BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-04
Company: Maximus Education, LLC dba Aidvantage
State: MO
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:
My husband is eligible for a refund for funds paid during the pandemic, and he is also eligible for a student loan forgiveness of {$20.00}. 

On XX/XX/XXXX, he called Aidvantage regarding his student loans and requested a refund, so that his loans could be reopened and he could apply for student loan forgiveness. The agent told us it would take 4-6 weeks, and that since we were calling XX/XX/XXXX, that he would receive the refund in time to meet the XX/XX/XXXX deadline to receive forgiveness without having to repay any student loan interest once payments resume in XX/XX/2023. 

It has been 7 weeks and we have not seen the refund. We called today, and we were told that it was originally 4-6 weeks AFTER their refund agents have approved the refund ( which we were not told ) but is now 8-12 weeks after the US Department of Education was sent the approved request We were also informed today that Aidvantage has not even reviewed the request. We suspect that they will not be reviewing it any time soon. 

Aidvantage has deliberately not processed this request. It has not even been assigned for anyone to review it at this time. We are concerned that this is being done in order to prevent my husband to apply for student loan forgiveness. We are also concerned that this delay will result in significant interest charges being assessed by Aidvantage, because the refund could come in well after XX/XX/XXXX, and they will be able to charge interest on the amount retroactive to the date that student loan repayments resume. 

The information that my husband received was incorrect. He was specifically told that it was 4-6 weeks after the request was submitted ( XX/XX/XXXX ). 

We ask that the CFPB intervene in this matter so that this student loan servicer can not continue to abuse it's position and cause further harm to my family 's finances.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: Experian Information Solutions 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:
On XX/XX/2022 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 30days 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, Experian and XXXX 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 explanation
Consumer complaint received 2018-06-13
Company: EQUIFAX, INC.
State: TX
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:
This item is my mortgage account with XXXX XXXX XXXX or XXXX XXXX XXXX. My credit report is showing an open date of XX/XX/XXXX when it should show XX/XX/XXXX Highest Balance is showing XXXX when it should show XXXX. I am requesting the updated information be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be corrected or deleted. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 2022-05-05
Company: EQUIFAX, 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:
XXXX XXXX XXXX is consistently and intentionally furnishing inaccurate and incorrect information to the consumer reporting agencies against me. I began to notice the inaccurate reporting in XX/XX/2022. I submitted disputes to all three credit reporting agencies. It is now XX/XX/2022 and I am tired of the aggravated identity theft, invasion of privacy and the hostile nature of which I am being treated. 


15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

The inaccurate information reporting on my consumer reports include XXXX XXXX XXXX reporting the following inaccuracies : Incorrect account numbers, inaccurate account types, differences in account detail/type, date last active was different, differences in date last reported, comments differed, differences in balance, ect. 

This is out of compliance pursuant to 15 U.S.Code 1681e I have proof of intentional and inaccurate reporting MULTIPLE times a month. This is harassment, and abuse. XXXX XXXX XXXX is causing me tremendous financial harm, I have documented proof of inaccurate reporting across Equifax, XXXX and XXXX. I have submitted the following complaints against Prestige : CFPB complaints ( XXXX ), XXXX  Complaints, I have submitted Attorney General complaints for both Texas and Utah. XXXX XXXX XXXX continues to violate my consumer rights with willful noncompliance which is a violation pursuant to 15 U.S.Code 1681n ( a ) ( 1 ) ( a ). 
These are violations of my consumer rights.The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. The inaccurate reporting has damaged my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/XXXX, you provided a response to my complaint XXXX ( attached ) wherein you stated that {$27000.00} was returned to XXXX on XX/XX/XXXX. 

That is a lie. After more than three weeks, the funds have not appeared in my XXXX account. I called Capital One customer service, and fraud protection several times and even obtained trace number : XXXX for the transaction. 

Today, Capital One fraud protection informed me that the {$27000.00} transfer never actually happened. She said I should call back in 3-5 business days and perhaps more info would be available then!!!!!! 

You've been lying to me for almost 3 months, and now you lied to the Government. 

Whoever accessed my XXXX account and transferred the {$27000.00} into the Capital One account ( the thief ), had control of that money for about XXXX minutes on XX/XX/XXXX, and then walked away empty handed. 

On XX/XX/XXXX, Capital One knew exactly who the stolen {$27000.00} belonged to, and where it was stolen from, yet here we are almost three months later. You still haven't returned the stolen money, lying to everyone, including the Government, even providing phony trace numbers to substantiate your lies. 

Who's the real thief?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-02
Company: Brennan & Clark, Ltd., LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
on XX/XX/XXXX so called debtcollector XXXX XXXX the agent is XXXX XXXX called me threatened me said i owe {$11000.00} to XXXX XXXX. 
i know nothing of this threatened to freeze my accounts and take assets by today. put phone down on me, very rude, trying scare tactics. said i know of this. i havnt had any emails nothing no post totally innocent of what hes trying to say. 
yes i did have insurance last year. from XX/XX/XXXXto XX/XX/XXXX, XXXX XXXX   were my agent XXXX  XXXX was theres. 
they uped my policy without asking me or my knowledge they canceled my policy XX/XX/XXXX. i told them its not worth me keeping policy not profitable if you asked me that you were going to put policy up i would of told to cancel. 
someone in the company didnt do there job and tell me by the end off XX/XX/XXXX i was owed back money i paid out. based on bank statements. but no they increased my insurance plus more so i owed more? 
without my consent havnt heard nothing until now. 
with threats to freeze and take assets. 
by today. 
please advise, is this a scam. 
they left voicemail from anumber XXXX XXXX XXXX. 

thank you XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18
Company: Block, Inc.
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, XXXX, XXXX we stayed at the XXXX suites in XXXX Florida. The stats were reward night stays. My card was authorized each day for {$230.00}, {$230.00}, and {$250.00}. ALL Funds were to be released back to me. Ive received {$18.00}, {$38.00}, and {$25.00} back. And on my account transaction history the remainder is not listed ANYWHERE! Theyre claiming the transactions were posted but they arent allowing me to dispute because the transactions are no longer showing anywhere on my transaction history! I have called every day, over 20 hours on the phone with no help as to where my funds are! The charges are completely gone from my account and they do now show anywhere! So theyve taken the money and have not listed on my account that its either pending or posted. So to me it looks as though theyve stolen my funds and theyre gone! Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: EQUIFAX, INC.
State: NC
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, 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 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid my Cabelas 's Club card balance in Full on XX/XX/2023. On XX/XX/2023 Capital One charged me {$170.00} in interest. I talked to Capital One on Saturday XXXX XXXX without success. This charge is outside of my agreed upon terms and conditions.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-25
Company: CCS Financial Services, 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:
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-22
Company: CITIBANK, N.A.
State: IN
Product: Credit 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:
Today I received a letter from Citi about the disputed charges they have removed from my account. But they have since nearly DOUBLED the amount of original charges. So instead of disputed XXXX charges ( XXXX of which have been refunded ) there are now XXXX charges. 

As artifacts, I am attaching : - the original statements of the disputed transactions. 
- the analysis of the new transactions ( XXXX total ) placed on my account compared with the original transactions ( XXXX total ). 
- the letter from Citi saying that the issue is closed and RESOLVED. 

This issue is NOT resolved.

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 2022-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Their investigation did not fix an error on your report

Complaint:
Credit card was paid in full, however it is reporting as a mortgage charge off. This is affecting my ability to get a mortgage and other loans. I have tried to resolve the issue with the credit card company ; however, the this issue still remains.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-19
Company: EQUIFAX, INC.
State: CA
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:
While checking my most recent credit report, I noticed credit inquiries that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-25
Company: National Credit Adjusters, LLC
State: AR
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:
XXXX is reporting the account with NATIONAL CREDIT ADJUST inaccurately on my report. Upon reviewing my credit report I did not recognize this account. I initially sent a request for XXXX  to validate the account, and send proof such as a copy of a signed agreement or any other documentation to validate the information being reported was indeed mine or correct. After 4 different attempts they have failed to provide me proof of this account. I have disputed this information four times on XX/XX/XXXX. XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, and have given them warning that if it could not be validated, to remove it from my report or i would be filing a formal complaint. In addition the information XXXX is reporting does not match the information reporting by the other credit agencies. I have gave them ample time and opportunity to resolve this issue before having to take the route of filing a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company CMRE FINANCIAL SERVICES , INC was contacted to resolve the matter but company refused to stop recording the conversation after being asked several times. They will not disclose information to a third party that is okay with being recorded to resolve matter. The medical bill was covered by XXXX XXXX hospital as a financial assistance program. This was sent to collections by XXXX XXXX XXXX XXXX XXXX accidentally this should have never been sent to collections according to XXXX. XXXX   informed me that once the hospital covers the bill they drop all charges, but XXXX never informed them of the assistance. I tried to inform the collection company of this several different times. Company is very unprofessional and is trying to violate my personal right to not be recorded.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-18
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting 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, account number 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

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 2023-02-09
Company: EQUIFAX, INC.
State: TX
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:
This is my XXXX  endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4900.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX, XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1300.00} XXXX XXXX Balance : {$0.00} ( Original Creditor : ) XXXX : {$81.00} ( Original Creditor : ) XXXX Balance : {$100.00} XXXX CARD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-21
Company: Experian Information Solutions Inc.
State: CT
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:
I personally do not know this information but it is in my report damaging my status, please remove this soon, this is a mistake XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2023-02-21
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
on XX/XX/2022 & XX/XX/2022, there was a atm withdrawal of {$1000.00} taken out of my account and also the next day another {$400.00} as well, I reported it but prior to that I received a text message chase fraud dept asking if that was me and I said no, I faxed my text message over that I received to the chase as I made the complaint on both days someone hacked my account, they only reimbursed me the {$400.00} and not my {$1000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-05
Company: CITIBANK, N.A.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Chain of events On XX/XX/XXXX someone accessed my account fraudulently and tried to do two wire transfers for {$2500.00} and {$7500.00} ), one successfully ( the {$7500.00} one ), using money from my XXXX XXXX  line of credit. 
My balance in my checking account at the time was approximately {$390.00} I reported the incident to Citibank immediately and to CFPB on XX/XX/XXXX after I heard nothing from Citibank On XX/XX/XXXX Citibank returned the {$7500.00} to my account, confirming it was due to a fraud Since XX/XX/XXXX I had no access to my accounts On XX/XX/XXXX I went to the XXXX XXXX, NJ branch and closed all my accounts. 
To my surprise, my available balance was not the original {$390.00} before the fraud, but a negative balance in my XXXX XXXX of around {$250.00} People at the branch told me I was supposed to receive a check for my original balance of {$390.00}. To date I heard nothing from Citibank It appears the disconnect is that the line of credit was charging me interests, which Citibank never refunded to me. 
* On XX/XX/XXXX, I wrote to Citibank, requesting the balance due. To date, I heard nothing from Citibank

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