BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I previously have written to complain that  Wells Fargo  opened accounts without my consent. the company wrote me a letter with a contact person and phone. I called the person  XXXX  times and left messages but they never returned the call. I never received any sort of legal notice of the class action of which I should have been a party.

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 2017-05-02
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
On   XXXX   XXXX    2017, I clos ed a CD with US Bank.   The balance was {$120000.00} plus interest accrued since the last interest remittance. It had been renewed in  XXXX , paying   XXXX  %   (    XXXX   XXXX   XXXX   percent ) or {$46.00} per month. All interest payments were calculated on a daily basis, with a monthly distribution.     As part of the redemption, I was charged {$1200 .00},   XXXX   % (   XXXX  percent ) of the face value, along with a processing fee of {$25.00}. I was told that was US Bank 's policy, with no documentation provided to prove they had specified this when the CD was opened.
    I believe this charge is excessive and should have been for no more than a  XXXX  month period  at   XXXX   % or a pproximately {$140.00}.
Lastly, this account was created on my behalf by my uncles who were in their   XXXX  . If these were the terms, it is obvious that US Bank took advantage of their advanced years and failed to disclose.

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 2015-10-22
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After messing up my escrow XXXX sold my mortgage to Carrington Mortgage Services as of XXXX/XXXX/2015. I made my XXXX payment to XXXX and the check was cashed as of XX/XX/XXXX. Carrington has been harassing me over the payment since XX/XX/XXXX, and has been notified several times that the payment was made to XXXX in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Due to a paperwork mixup,  Roundpoint  Mortgage thought they owned the servicing rights to my mortgage, but they did not,  XXXX  did. I am attaching the welcome letter from  XXXX , clearly demonstrating that  XXXX  acquired servicing rights effective   XXXX   XXXX  2017   . For  XXXX  months,  Roundpoint  harassed me asking for payments. Finally, after I filed CFPB Complaint #  XXXX , Roundpoint sent me a letter acknowledging that  XXXX  owned servicing rights and that I would be goodbye 'd by Roundpoint, which I have attached.     However, today,   XXXX   XXXX  2017   , I received a phone call from  Roundpoint  asking for my " past due '' payment for  XXXX . This is a payment that I never owed to  Roundpoint  because they no longer had my servicing rights at that time.     I need the phone calls from  Roundpoint  to actually stop.

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 2017-05-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
DEBIT CARD WAS OVERCHARGED WITH UNAUTHORIZED CHARGES NOT MADE BY ME.BANK OF AMERICA WAS NOTIFIED   XXXX   AND TODAY  XXXX / XXXX /  XXXX   CREDIT WAS REVERSED AND ACCOUNT ENDING IN  XXXX  WAS CHARGED  XXXX , WHICH I DISPUTED!

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 2021-01-12
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: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please Delete the items as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Citi Management Group, LLC
State: LA
Product: Payday loan
Issue: Payment to acct not credited

Complaint:
I received harassing phone calls at work and on my personal cell phone from a third party debt collector calling themselves " City Management Group. '' These people stated that I owed money for a payday loan from XXXX. This loan had already been paid off, but this third party debt collector was trying to get me to pay them for the debt again. My attorney sent the company a letter showing the debt had been paid. Their phone number is XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: National Arbitration Forum
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was settled with  XXXX   XXXX   XXXX  back in  XXXX    XXXX  . My uncle got a phone call from a   XXXX   XXXX   calling from  XXXX  stating she was calling from us national collecting a debt on the account that was settled. She had my dob, and social and states that she will try to not press charges. I told her case was settled and she asked me to submit email to  National Arbitration  reconciliation .org i tried that and the email did not go through. I followed  the trail  from where i got the loan and who it was sold to and confirmed with documentation that it was paid and closed out.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-21
Company: LEXISNEXIS
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I sent a letter to Lexis Nexis regarding unverified information and demanded that it be removed in 4 days based on 15 U.S.C. Sec. 1681i ( a ). They have not removed the fraudulent information which is causing me major headaches. I can't get a mortgage to provide a solid home for my family due to the bad information Lexis Nexis is providing to multiple vendors. Several addresses are tied to multiple issues that were not mine yet Lexis Nexis refuses to abide by the law. Plus did not have permissible purpose to furnish this information on my consumer report. 

Each of these addresses are not my addresses and should be removed immediately : XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX, SC XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX I've attached the letter that list specific records that should be removed in 4 days according to the law which Lexis Nexis has clearly violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX and XXXX, account # XXXX, amount {$2600.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2016-10-19
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
I 'm not sure that this is the correct option for this particular complaint. Here is the issue : I was told by a local government job placement training to check my credit report to enhance my chances of getting a job. I was told to go to XXXX, and that it was a free service. Indeed, when you first log onto XXXX, it says that it is completely free ( see screen capture attached ). All throughout the application process, it says that the service is free. 

I do n't remember ever going to the official Experian website. But I do remember agreeing to paying {$1.00} to find out what my credit rating was. Being that I am unemployed and have no substantial source of income, that is all I could afford to pay. 

Today, Experian withdrew {$21.00} from my checking account. When I called them, they said it was because I had logged on to XXXX, which is owned by Experian, and that I had agreed to pay the {$1.00} charge, but that since I did not cancel my membership after 7 days, I was charged {$21.00}. 

So, I went directly to the Experian website and at the top of that site, it says that you can get your Credit Report for {$1.00}. No mention is made regarding a " membership '' or a {$21.00} charge. In that same section is the call to action button, which says " Get Your Credit Report and XXXX Score. '' If you click on that button, which you normally would after reading what it says above it, you will have missed what it says only if you scroll down that page, in fine print -- that the {$1.00} charge is in fact a membership fee that turns into an additional {$21.00} after 7 days. 

This is HIGHLY MISLEADING AND FALSE ADVERTISING, especially if it is linked to the XXXX site. 

Also in the process of filling out the information for XXXX, I remember reading that, if you make false statement to Experian, you will be prosecuted by the Justice Department. I do n't remember where exactly I read this, but I was shocked because it gave the impression that credit report agencies are part of the federal government, which is misleading. 

Thank you for your attention to this matter.

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 2017-05-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a dispute on my card for {$16000.00}. The merchant credited {$14000.00}. On  XXXX   XXXX ,   XXXX  , I received a letter fro Chase which said : " We 've issued a temporary credit to your account for the {$2200.00} in dispute. If interest was charged on this transaction, your account has been credited for it as well. '' See attached. I have just received my statement - the first since this letter. There is NO credit for the {$2200.00} or the interest. I have now spent  XXXX  minutes in  XXXX  separate calls to get this fixed but can not. In the first  XXXX  calls the agents spent  XXXX  minutes reading the " notes '' and then my call dropped. I can not resolve this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: PlusFour, Inc
State: NV
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: Problem with personal statement of dispute

Complaint:
When   XXXX   XXXX   contact me about my debt from my hospital visit I set up a payment plan with them. I paid in full and a few month later I noticed a collection from Plus  Four  Collections for  XXXX . I called  XXXX   XXXX  and was told I had a  XXXX  balance after the repayment. On  XXXX / XXXX / XXXX  and  XXXX  passed it on to investigation. I called back on  XXXX / XXXX / XXXX  and  XXXX  and I was told the investigation would be completed  XXXX / XXXX / XXXX . I did not hear back from anyone until I pulled my credit to buy a home and I still see the Plus  Four  Collection.     I called both companies and spoke with  XXXX   XXXX  on  XXXX / XXXX / XXXX  and  XXXX / XXXX / XXXX  and on both times I was told that there was a  XXXX  balance and the reporting could be corrected with an investigation. I finally got to a supervisor where I was told there was a different account under the same account number that posted later that was not collected, that amount was  XXXX . Yes a later account for  XXXX  that was part of the same account number. I have since canceled the purchase of my dream home as the estimated interest rate difference was  XXXX  to  XXXX  because of the low credit  score  from the  XXXX  collection that was re-reported on  XXXX . The supervisor told me I was called in  XXXX   XXXX  to be notified of the " new '' collection. I was and that is why I called in and spoke to  2  different people in  XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-22
Company: Nelnet, 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 called U.S Dept Of Education on XX/XX/XXXX due to seeing a conflicting report on my Credit from XXXX. I was advised that The 12 Loans were added together to make the total of {$27000.00}. dating back from XXXX to XXXX. These are not individual accounts. This loan is currently under the COVID Forbearance made by the U.S. Government and by The U.S. President. Per Great Lakes who is managing my Student loans. My account is in good standings. There was never any late payments on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Real Time Group, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In  XXXX  I bought my home and I obtained a  1st and 2nd  mortgage. In   XXXX   I filed chapter  XXXX  and all my debts wer e discharged except for the 1st mortgage. The 2nd  mortgage that  Real Time Resolutions   XXXX   XXXX  tried to collect in my bankruptcy was  discharged.  The only loan that shows on the property as of today is my  1st mortg agee   XXXX   XXXX   XXXX  . There is no record of any other parties on this property  at County  records in   XXXX   XXXX  , Ca.   My son and I are in escrow to REFI th e 1st lo an and I was notified that there is a LIEN on my property by REAL TIME RESOLUTIONS INC.I called Real Time resolutions and they said I owe them {$180000.00} which was the amount due back in  XXXX . They told me also they are charging 10 % interest so as of today I owe them {$380000.00} and growing each day. They told me  Yes t he {$180000.00} was  discharged in my ch apter  XXXX  but they have the write to keep a lien on my property until paid. The company that filed the lien electronically is Mortgage  Electronic Registration Systems. I have attached information showing the Scam.  M.E.R.S. was formed by the banks to file electronic liens on thousands of bad loans and the homeowner has no idea until they sell or refi then the nightmare begins ... Please help me so we can expose this scam and put these guys out of business. Alot of people are settling with these guys please help us all ... ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On  XXXX   XXXX ,   XXXX  , around  XXXX , I called to close my  Wells Fargo  checking account. I was surprised that all I needed was the account number and the last  XXXX  of my social. Those  XXXX  numbers do n't provide very much security to my account. An identity thief could easily get access to them. I would have expected verification of address/phone number, full social, mother 's maiden name, and maybe online account password. I did n't even need a pin.     I did want to close my account, just want people to be aware of the lack of security with  Wells Fargo.

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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 accounts listed below have violated my rights.

As per below Section 602a : states I have the right to privacy Section 604a section 2 : states a consumer reporting agency can not furnish an account without my written instructions. 

# XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2015-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My vehicle was claimed as exempt in my ch XXXX bankruptcy. 
{$0.00} I have a no asset case. 
Portfolio recovery agency who is NOT the leinholder repossed my vehicle and requires {$26000.00} to buy my vehicle back. ( sidenote : this is more the purchase cost of the vehicle I bought in XXXX ) ( I filed ch XXXX in XXXX and converted to ch XXXX XXXX XXXX ) I am disputing this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
At least once a day, sometimes more, I get an automated call saying I am a " Person of Interest '' or that " Legal Action is Imminent '' or I need to make a " statement of intent. '' I have no idea what this is about, and internet searches indicate this number to be owned by scam artists.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-02
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I believe that I am the victim of a scam or at the very least my rights pertaining to a past due debt. I reached out to Credit Bureau  Systems  on  XXXX / XXXX /  XXXX  . I was trying to make payment on a  XXXX -old   XXXX   XXXX   with  XXXX   XXXX   XXXX  that totaled {$1000.00}. I wrongly assumed had been covered by the hospitals   XXXX   XXXX   department as I was unemployed, a full-time  XXXX , and   XXXX   XXXX   at the time of the service. I spoke to someone who was extraordinarily forceful and threatened me with legal action time and again. We could not come to a payment arrangement as she wanted me to make the payment in full. I was and still am not able to make a one-time payoff. I repeatedly asked to be able to pay a portion of it and at first she talked in circles then she agreed to let me make a payment, then she told me that she would mail me the information that I needed to make the payment ( password, pin, etc ). The first week of  XXXX  I received a letter from a law office regarding said debt. Now I not only owe the amount due but also the legal fees which total {$120.00}. I feel that CBS violated the law by not providing me with information that I asked for and that they agreed to send me, on   XXXX   XXXX  . For what I understand I should have received something from them within one week of our conversation, I did not receive anything. They claim to record every single phone call so record of these events should be attainable. I feel like I am being taken advantage of. Please advise me on how to handle this without obtaining further charges and overwhelming frustration. I am still a low income,   XXXX   XXXX  . I have full-time job but my net income is only {$25000.00}, this amount is barely enough for me to make my ends meet as it is. I am doing my best to correct my past and protect my future. Looking forward to hearing back from you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation