BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-14
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
BACKGROUND FACTS : Six months ago, [ XXXX XXXX  ] I responded to an AARP Barclays Bank MasterCard promotion. I applied and was granted the Barclays Mastercard credit card. 

Then, to my surprise, I learned that somehow Barclays Bank, went into my XXXX XXXX  XXXX account, and took out a {$200.00} transfer transaction, completely without my authorization. Barclays also charged the {$10.00} transfer fee. 

Note : I have a degree in Finance, with a year of XXXX XXXX, so with Barclays ' APR at 28 % there is no way XXXX XXXX XXXX XXXX I would proceed with a bank transfer at 28 %. 

Facts Continued : When I discovered this theft & fraud, I immediately closed the account, and called the Barclay 's Fraud department. At first, I talked to a very rude agent named XXXX who refused to help, giving excuse, after excuse and then refusing to transfer me to the fraud department, I eventually XXXX the information. 

Now, as of today, the {$210.00} has increased to {$400.00}, reported to the payments, while Barclays say they investigated and they saw nothing wrong. And I have no due process appeal rights. 

I will not be making any payments to the closed account. And I am filling a formal complaint with the Delaware AG 's office. 

VERY unhappy past Barclays customer. 

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 explanation
Consumer complaint received 2023-12-12
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
The credit reporting bureau 's are telling me that my social security number is incorrect. They don't have anything for me. But I know I have bad credit. I know I have student loans. I know I have things on there so my credit should be active

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-06
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The alleged debt has inaccurate information represented in it. In XXXX of XXXX, I submitted a dispute about the inaccurate information to XXXX. They responded that the information was valid, I requested proof of the validity but never received it. 

The alleged debt is reporting as a delinquent account that was opened on XX/XX/XXXX. That is inaccurate. The account was opened with this company on XX/XX/XXXX of XXXX. It says that this is a 1 month account but my policy was for 1 year. It says that the original amount of the account was for {$800.00} but my monthly payment amount was {$320.00} so that number is inaccurate. Almost every piece of information related to this account that the credit bureaus are reporting is inaccurate even though I have submitted contrary information, it has not been updated to reflect any piece of accurate information. 

Equifax is reporting my date of delinquency as XXXX of XXXX XXXX reports my date of delinquency as XXXX of XXXX and XXXX does not report a date at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WELLS FARGO & COMPANY
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I have transferred money from my local bank in my country to my trading account at XXXX XXXX, for stock trading, the funds were held at the intermediary bank which is Wells Fargo, despite my bank providing them with all the required information, like my full name, date of birth, address, Wells Fargo has not released the funds to XXXX XXXX or returned back my funds. 

Either the staff at Wells Fargo are lazy or doing it intentionally. Wells Fargo reference number XXXX Please have a look at the attachments the details of the concerned employee at wells fargo and issue is mentioned. This one is for one transaction, the issue is for two transactions one for XXXX XXXX and another one for XXXX XXXX I am the sender and receiver ( beneficiary )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-24
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
While in hospital and rehab for months last yr, was unaware of a different bank ( Comenity ) taking over my XXXX credit card and also that my automatic balance payment setting didnt transfer. After numerous calls and website messages trying to get late fees removed, I eventually just gave up and paid by check the balance they told me I owed, and closed my account because of how unhelpful they were. Check mailed XX/XX/23, not posted to my account for 3 full weeks. Now they are refusing to forgive the fees accumulated over that time. Two different reps told me they were unable to forgive the interest or fees, which come to around {$150.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-11
Company: Ocwen Financial Corporation
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
XX/XX/XXXX The servicer Ocwen changed names/sold servicing rights to PHH/XXXX XXXX They locked us out of the online account, and are still to this day locked out of our account. 
They held our payment in suspense. They sent the note to a foreclosure status. They charged foreclosure fees. 
Then the COVID pandemic hit. 
They held payments in suspense and then resorted to the refusal and return of the payments. 

They have also refused the Pandemic Relief Monies to assist HOMEOWNERS basing it on their statement that we, the homeowners were behind in our mortgage payments..when in fact... had they not held the money in suspense we, the homeowners would have been " current '', and therefore would qualify for the COVID assistance. 

To this current date, PHHXXXX XXXX sent a trial period modification with everything due by XX/XX/XXXX, along with a letter claiming they can not provide COVID assistance. 

The prior servicer had religiously taken our money, held the funds in suspense, and " forced '' loan modifications ( most current was XXXX ) that were extremely inaccurate and financially detrimental. 

We have hired a couple attorneys, a forensic accountant, and enlisted the help of a local housing authority agency, 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 explanation
Consumer complaint received 2021-03-08
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: Account status incorrect

Complaint:
Took out a loan from XXXX in XXXX, I was late, discover bought the loan, XXXX no longer has a student loan division. I paid off the loan in XXXX with XXXX. XXXX is still reporting it as derogatory and no one at XXXX can help. Ive called emailed and written they told me to get in touch with firstmarkservices which deals with all of XXXX student loans now. But they have no record on me. 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 2023-12-02
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting 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:
Improper use of my credit report removed the XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2023-03-01
Company: MOHELA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I consolidated my loans to work towards PSLF and they were transferred to MOHELA on XX/XX/XXXX. I received two separate notices from MOHELA on XX/XX/XXXX both claiming that my employers had not provided signatures or that the signatures were not in the proper form. In their communication, MOHELA did not identify which employers were the cause of the issue or what the proper signature format entailed but nonetheless directed me to go to my employers, obtain the proper signatures in the proper format, and resubmit. 

However, I had already checked on the possibility of PSLF with my old serviced ( FedLoan ) and the missing/improper signature was already a known issue for at least one employer. Thus, when I consolidated and resubmitted the PSLF paperwork I ticked the box indicating that I would have difficulty getting signatures/my employer would refuse to certify. This put the responsibility of obtaining the signature in the proper format on MOHELA. To my knowledge, MOHELA has not called any of my employers or requested any corroborating information ( paystubs, W2s, etc. ).

I would also like to add that it has taken MOHELA nearly nine months to even get this far ( a total of 272 days ). The process of checking for a wet-ink signature or appropriately formatted e-signature should only take a matter of seconds, even if done by hand and not using an automated system. Tracking down employers and getting them to submit proper signatures could take more time, but nothing anywhere near nine months. It is unclear if MOHELA did contact the employers but, assuming they did and the employers still did not submit a proper signature, that further implicates MOHELA in failing to follow Department of Education procedures for servicers of student loans. Borrowers should not be responsible for MOHELA 's failure to clearly communicate, nor should borrowers be expected to have any leverage over employers than MOHELA does. Indeed, because adverse interactions with HR can jeopardize further employment, borrowers have arguably much less leverage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I believe USAA is carrying out illegal practices against its customers, like what is being committed against me. I had a balance of {$510.00} on XX/XX/2022, and I and made 2 payments for {$20.00} each and an ACH payment of {$150.00} made a few other payments while my account reflected a balance of {$270.00}, my account was charged 2 NSF fee of {$29.00} per item for a total of {$58.00} when my account had money in it. I ask the USAA customer rep to please explain that to me, and he said that the biller billed me for the day prior which was XXXX, XXXX. I told him that I do not have automatic payment and that I initiated that payment. I have never heard of such. By XX/XX/2022, my account was charged 2 more NFS fees of {$29.00} for each item for a total of {$58.00}. 

I want a full refund for the 4 NSF fee charged to my account {$110.00}! I would like for you all to investigate their illegal practices! 

USAA has responded and credited me back one NFS fee of {$29.00} and refuses to reimburse me for the rest that they owe me {$87.00}

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-06
Company: Nelnet, Inc.
State: OK
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 am a XXXX Veteran who was awarded A permanent and Total XXXX. Nelnet needs to update my student loans account accurately

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
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 DEPT OF ED/XXXX  Acct # XXXX Loan amount {$1700.00}, and Acct # XXXX Loan amount XXXX. Late payment dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 166b A creditor May not treat a payment on a credit account under an open end consumer credit plan as late for any reason.

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 2019-11-03
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I noticed an account placed on my credit by this company and took the initiative to call and asked for validation of the debt in order to resolve and reconcile the account in question. I recall speaking to a female representative who informed me I would receive an Itemized bill to breakdown the charges as well as services render. I provided both my email and mailing address and have yet to receive document to date. Around that same timeframe the company did remove the account from my credit in which I thought was to have me validate and confirm charges with the requested documentation, NOPE! ( Because I never got it ).  Ironically they placed it right back which affected my score immensely. How do you want me to pay a debt but refuse to send me documents? its been more than 6 months since I requested this! Not ethical or logical! Furthermore, if they are refusing to validate the debt it is not fair practice to keep placing this on my credit and then later decide to remove it just to place it back.! Collecting on a debt but refusing to send proper validation! Unbelievable!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Recently while conducting a monitor of my credit report I discovered that Meade & Associates has furnished some items that has been unverified. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Meade & Associates but I am unaware of the amount due and the bill does not include a breakdown of any fees. Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF XX/XX/XXXX], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX XXXX XXXX to release my medical information to a third party. I am aware that HIPAA does allow for limited information about me but anything more than XXXX XXXX XXXX XXXX is to only be revealed with the patients authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My name is XXXX XXXX, I have an open case already against PRMG mortgage payment processing center in reference to my HAF payments not being applied to my mortgage payments on time. After contacting you they applied both payments to my account however they put one payment towards my principal account instead of crediting my account as stated by several representatives. Now my account is showing late again for the month of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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:
On XX/XX/XXXX I mistakenly sent a credit card ( # XXXX ) ACH overpayment of {$130000.00} from my checking account from financial institution XXXX to Bank of America ( XXXX ). Our intent was to pay off the balance. 

The bank continues to mispresent what the process is for returning this overpayment and by when. We have had several representatives tell us misinformation about escalation and indicate that someone would call us and never have. 

Bank of America is treating this electronic ACH transaction as a paper check transaction and is unlawfully holding my funding stating that they are waiting to see if the item gets returned. 

We have spoken to the FI on XX/XX/XXXX where the payment was pulled and they said the money has been transferred to Bank of America and there are no issues holding up funds. 

These funds are critical for the small business account that this payment originated. Holding on to this is impacting the long-term viability of this business. 

We have sent faxes and spoke with many reps and some with the ids of : XXXXXXXX XXXX 

This is an urgent matter to resolve. 

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 monetary relief
Consumer complaint received 2021-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had over XXXX miles on my balance when I purchased airline tickets totaling over {$930.00}. I was planning to close the account after the purchase. After I bought the tickets and before I closed the account, I called the rewards dept specifically to check that I'd followed the proper procedure not having claimed rewards before. They confirmed the purchase and that it all looked fine. I then made another call and closed the account later that day. 

Upon receiving my final statement a couple weeks later, I was surprised to not see any awards applied. After a couple more phone calls, the situation was escalated.I was awarded half of the XXXX miles as a courtesy and their justification was that the charges were still pending when I closed the account. I further fought the issue informing them that I had made the extra calls to their rewards dept over this very issue before I closed the account. I received a follow up email stating they could not issue the balance because my purchase was only {$120.00}, a number not reflected in any charges and clearly a mistake on their part. 

After bringing this to their attention again, company now says they are unable to do what the email clearly shows they could have done if the amount of purchase had been higher. 

I have records of the phone calls and copy of the statement. They are denying me the remaining balance of rewards on a technicality of having closed it while the charges were pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-17
Company: World Omni Financial Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On the date of XX/XX/2022 I paid the remaining balance of my debt to World Omni Finance XXXX Southeast Toyota finance and as of today which has been more than 45 days from the day that I have paid the debt that was supposed to be removed off my consumer report. however, it is still showing on my XXXX, XXXX, and XXXX report. Ive reached out to world XXXX XXXX to see if they could expedite the process, but they expressed that they couldnt do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I'm " XXXX XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few items that require deletion. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) requires the 3 credit bureaus to confirm these items ( 1 ). ( A ). I'm confident the contested records are settled : XXXX XXXX XXXX XXXX, MD XXXX ; XXXX XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX, I contacted Portfolio Recovery Associates about a debt I owed to them after they brought a XXXX account that was charged off. 

In XXXX, I called PRA and spoke to a rep about setting up payments every two weeks to handle the account. I asked, if I paid the account would they be willing to do a pay to delete the rep put me on hold and came back and said yes they could do that. I started making payments on XX/XX/XXXX and my final payment was on XX/XX/XXXX. 

I received a letter stating the account was settled and the credit agencies would be updated. Its been a month and the entry is still on reports. I feel like Portfolio Recovery Associates lied to me just to get me to pay. At the end of the day the debt was mine, but the way they went about it was totally wrong. Why say you can do a pay to delete and turn around a renege.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-01
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is to let you know that these accounts below have long been removed and deleted from the XXXX Credit Bureau. This has been reported and verified as an inaccurate and incorrect item, so please remove these immediately. 

XXXXXXXX XXXX XXXXAccount # : XXXX XXXXXXXX XXXX XXXXAccount # : 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 explanation