BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-29
Company: AES/PHEAA
State: MI
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 submitted my forgiveness application for PSLF to XXXX on XX/XX/XXXX. I received a denial on XX/XX/XXXX. 
XXXX had previously certified that I had 108 qualifying payments certified through XX/XX/XXXX. On my loan detail before I submitted my forgiveness application, my anticipated eligibility date was XX/XX/XXXX. 
Along with my forgiveness application, I submitted PSLF employer certification through XX/XX/XXXX, which would have brought my total number of qualifying payments to 121 total. 
I received a denial of PSLF forgiveness on XX/XX/XXXX. Although XXXX determined that my employment was qualifying and my payment plan was qualifying, they gave me credit for only 8 additional qualifying payments. My loan detail now shows 116 qualifying payments through the period of XX/XX/XXXX. 
XXXX offered no explanation of why my 4 or 5 other payments made between XX/XX/XXXX and XX/XX/XXXX failed to qualify. 
I was employed throughout the period by the same employer, working full time, and enrolled in autopay for my loan payments. 
I have now spoken to two XXXX supervisors who told me they can identify no basis for me being denied credit for all 13 payments I made between XX/XX/XXXX and XX/XX/XXXX. They have allegedly requested expedited processing from the PSLF reviewers but have told me there is nothing that can be done until the reviewers act. 
Last year XXXX failed to act on my employer certification to give me credit for the 108 qualifying payments until I filed a CFPB complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18
Company: NCB Management Services Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I am submitting this CFPB complaint to request that the Credit Bureaus to remove the erroneous accounts off of my Credit FIle in accordance with the Fair Credit Reporting Act. It has been a battle going through all this and I am submitting this CFPB Complaint to request that the Credit Bureaus cease the reporting of the erroneous accounts off of my Credit File. I am not satisfied that enough was done to truly contact the creditors/agencies that are reporting this information on my report and because of this I am now asking you for more information regarding these particular items in question : 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 Please reinvestigate and send me the credit history as evidenced by the attached letter from the merchant to 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 non-monetary relief
Consumer complaint received 2017-05-16
Company: Immediate Credit Recovery
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Student loan was turned over to a collection agency, Immediate credit recovery Inc. I called several times prior to them garning my wages to discuss a resolution. I have left several voice mails prior to the garn taking place and after. I have never recieved a return phone call and they have started garning me. I just returned to work from a 6 month short term disb and this is crippling me. I tried to set somehing up prior to garn while on disb and no one will return my calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: OH
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:
Despite multiple attempts, I have been unable to resolve the issue of fraudulent inquiries appearing on my consumer report. These inquiries are not associated with me in any way, and I bear no responsibility for them. Their presence has caused significant mental and financial distress. As a victim of identity theft, I have no alternative but to consider legal action if this matter is not appropriately addressed. These inaccurate and fraudulent items on my consumer report have hindered my ability to purchase my dream house and provide for my family 's needs. The impact on my financial well-being has been substantial. For your reference, I have attached a copy of the letter I previously sent to the Federal Trade Commission ( FTC ), which outlines this issue and seeks resolution.

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 2023-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2022-04-27
Company: EQUIFAX, INC.
State: MO
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Has all validated my rights 15 U.S.C 1681 Section 602 states I have the rights to privacy.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
I experienced a situation very similar to the one described in the post below, where my funds were stolen from my Kraken account : https : XXXX XXXX XXXX XXXX XXXX XXXX I received no notifications about the unauthorized access, and I found it concerning that two-factor authentication ( 2FA ) wasn't required for fund transfers. Some comments in the linked thread suggest the possibility of an inside job, and I share that suspicion. It's incredibly challenging for someone to simultaneously acquire both my password and access to my mobile phone for generating 2FA codes every 30 seconds. Also phone was rechecked for any malware and similar, by specialist and was found none.This phone I use only for 2FA.

After a week of my account being locked, Kraken only provided me with the IP address from which the account was accessed and the date of access. Kraken typically records all login activities within their web interface, but strangely, this particular login was not documented. Kraken seems quick to act when it comes to emptying an account through cryptocurrency transfers, but when it comes to trying to retrieve funds, it's a different story. 

Local law enforcement has been unhelpful in this matter. I managed to trace my funds to a XXXX account and provided XXXX with transaction logs, which confirmed the transfer to their exchange. However, XXXX has been uncooperative, and local law enforcement hasn't taken any action, even though the account responsible for this theft generates over {$100000.00} daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received two calls on the same day XX/XX/2023 from different numbers- one to my work phone at XXXX, and one to my personal phone at XXXX. Call to my personal number identified as Portfolio Recovery, and the one to my work number displayed Unknown ( my work phone is set up to display caller ID just like my personal phone. ) I was able to verify the source of the call to my work phone as Portfolio Recovery.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
CFPB, if you do not further review this matter, you will have failed this consumer.     I will have no further recourse but to attempt to escalate this issue to a media level.     By admission via correspondence,  Wells Fargo  has acknowledged that they began to withdrawn the increased payments on  XXXX   XXXX ,   XXXX   when their letter advised that the payment would not be increased until  XXXX   XXXX ,   XXXX  . Why would their letter to consumers state incorrect and misleading information?      Wells Fargo  advised the CFPB and myself that they do not apply funds to principal when a payment is outstanding and are unable to apply partial payments.  Wells Fargo fur ther stated in their correspondence that they began withdrawing FUTURE payments on the recurring withdrawals to avoid delinquency in the future.     By admis sion, Well Fargo has stated that they do not apply principal funds when a payment is outstanding, however they admitted that my payments are future payments. How can Wells Fargo state my payments can not be applied because they partial payment but admit that my payments are future or ahead of schedule? If Wells Fargo  is withdrawing additional principal payments on  XXXX   XXXX ,   XXXX   because I 'm paying  XXXX  's payment, then it is not a partial payment.      Wells Fargo  has been unapologetic with regard to their actions and continues to defend their inaccurate letters to consumers.

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 2022-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
In accordance with the Fair Credit Reporting act. XXXX, Transunion, XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

These addresses do not belong on my credit report : 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

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 2023-10-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I strongly desire not to have this appear on my credit report. I earnestly implore you ; this does not belong to me ; it is a clear case of fraud. Please take appropriate action regarding these inaccurate accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-04-27
Company: Early Warning Services, LLC
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I got scammed into transferring money to a scammer. My bank ( XXXX XXXX said they can't offer fraud protection because the transfer was made through zelle service. When I called Zelle, they said that because the transaction was made on the bank app, they can not help me even though it was serviced through Zelle

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I.Q . Data International , Inc. is at tempting to collect an invalid debt from me. On  XXXX   XXXX ,    2017, IQD sent me a collection letter. In the letter, IQD stated, " If you notify this office within 30 days from receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or a copy of a judgment and mail you a copy of such judgment or verification. '' Shortly after receiving the letter from IQD ( within 30 days ), I sent a letter to IQD informing them that the debt was invalid and to cease collection efforts. Subsequently, IQD did n ot mail me " a copy of such judgment or verification '' and sent a second collection letter on  XXXX   XXXX ,  2017 .

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 2017-05-16
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
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:
Account was not verified or  Consent  was not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
THESE ARE UNAUTHORIZED INQUIRIES IN MY REPORT XXXX OF XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XX/XX/XXXX THESE ARE INCORRECTLY REPORTED ACCOUNTS IN MY REPORT XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX SERVICE XXXX XX/XX/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 2023-08-18
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I bank with us bank. I get my social security and VA pension direct deposited at the beginning of every month. On the XXXX of XXXX I was informed that my accounts were frozen and that they were closing my accounts. I was also informed that they no longer wished to do business with me. The reason for closing my account is that I was applying for a loan over the phone and didnt realize it was a scam. I unfortunately gave out all my information and the scammers tried to cash multiple checks on my account. I have been told by us bank that they would be closing my account but that it takes 15 business days and they would issue me a cashiers check which could take an additional 10 days and then however long it takes to come in the mail. It is now the XXXX and Im still being told they havent closed the account yet and that it wouldnt be till next week which then it will take another 10 days. XXXX XXXX XXXX XXXX and this is my only income. All my bills including my life insurance policies are now in arrears and am facing starving and no medications. I cant even pick up my prescriptions which keep me alive.

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 2021-12-04
Company: TICE ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2021, I mailed via USPS a certified Cease and Desist letter which was received by their office on XX/XX/2021, to Tice Associates Inc. located on XXXX XXXX XXXX XXXX, NY XXXX. In the letter, I REQUESTED they ( Tice Associates Inc ) provide a DETAILED AND COMPLETE AUDIT TRAIL of their alleged debit, I REQUESTED they zero out the balance and remove ANY AND ALL INFORMATION pertaining to this ALLEGED DEBIT from all consumer reporting agencies. 

They DID NOT Reply to the Cease and Desist letter, which is a violation under 15 U.S. Code 1692g and USC 1692c ( c ) nor did they remove the information from CRAs. INSTEAD, THEY HAVE RE-AGED THIS ALLEGED DEBIT ON MY CREDIT REPORT on XX/XX/2021, almost 2 weeks after receiving my Cease and Desist letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-30
Company: FC HoldCo LLC
State: AL
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: Investigation took more than 30 days

Complaint:
I am writing to follow up on my previous communication regarding account number XXXX. As I have previously mentioned, I have been attempting to have late payments removed from my credit report associated with this account in order to obtain a home loan. 

I have called several times to get this issue resolved, but it has not been rectified. The latest paperwork that you sent me does not address the issues I have raised. 

As I previously mentioned, I believe that your company has violated my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 604 ( a ) ( 2 ) which states that consumers have the right to privacy and that consumer reporting agencies can not furnish information about a consumer 's credit report without their written instructions. 
Furthermore, I believe that your company has violated Section 1666b of the FCRA, which states that a creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I request that you take immediate action to investigate my dispute and remove the negative information from my credit report. I also request that you provide me with a written explanation of how your company plans to ensure that my rights under the FCRA are not violated in the future. 

I expect a prompt response to this request, as this matter needs to be resolved quickly. 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 explanation
Consumer complaint received 2017-05-16
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
HSBC Bank Nevada,  N.A.    Charter Number  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NV  XXXX  Account Name HSBC BANK NEVADA  N.A.  RC Account #  XXXX  This company needs to remove any items related to my PERSON from ALL credit agencies. If not I will record a perfected security interest in this entity  for 3x the bo gus balance amount plus damages plus fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: U.S. BANCORP
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to get a hold  of US Bank Home Mor tgage Customer service. They put me on hold and the line went dead. They are making it impossible to actually speak to a customer service representative regarding payment arrangements.

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