BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-10-05
Company: EdFinancial Services
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
My loan ( which was forgiven under XXXXXXXX XXXX XXXXXXXX ) was transferred to Ed Financials. Starting this summer, I started to call to see where my case was in terms of forgiveness. I had been given the run around until I spoke with one agent who told me that the loan would be fully discharged in early XX/XX/XXXX. As of today, I had not heard anything from Ed Financials. I have been calling for over two weeks and leaving a call back number. I finally had someone return my call only to tell me that she could not find my loan in the system, although it's still on my credit report. The call kept getting dropped, she returned call two times. I was told a supervisor would call me back - as of today, I have not heard from a supervisor. I ended up calling XXXX XXXX XXXX. I was able to get an agent who told me that he could see what was going on with my case. He told me that my loan was finally discharged on XX/XX/XXXX. It could take up to a month to reflect on my credit ; however, I am still waiting on my refund from payment I've made. I attempted to call Ed Financials again. The wait times are from XXXX to over XXXX minutes. As of today, I still have not received a call back. I would like to know the status of my refund and get a call back!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I filled in and submitted an application to open a 7 month featured CD with Bank of America on the XXXX of XXXX, 2023 for {$30000.00}. I had also filled in details of my XXXX Savings account from which the money had to be taken. The money got taken out by Bank of America on the XXXX of XXXX itself, however my CD has not been opened yet. I do not see any new CD on my Bank of America dashboard, neither did I receive an email. I keep calling them up on their dedicated line : XXXX and they keep mentioning that my application is in progress and is undergoing research due to a technical failure. I am deeply concerned as my money has been taken away and there is no news on the account opening for 19 business days now.

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 2021-07-20
Company: AMERICAN EXPRESS COMPANY
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have the XXXX XXXX credit card and have attempted to use my XXXX XXXX on several occasions. Every attempt I make get denied or marked as fraud. They give me these fake credit card point that they say are work money which you can never actually claim the points. There support gives me the run around every time with the same " We'll get back to you '' response I wait days and weeks and dont hear anything. 

I originally place an order to redeem my XXXX points on XXXX first into the form of a XXXX gift cards. I waited 7 days and did not receive my order from XXXX so I called there gift card support department. I wanted to confirm my order had gone through to which they told me to continue waiting. I waited another week and called on XX/XX/XXXX to which XXXX informed me that the purchase I made myself AND called to confirm was marked as fraud. The agent informed me that she marked it not fraud and that she replaced the order. I called a week after that and the order still hasnt been placed. I attempt to online and am no longer able to because I get an error code on the website not permitting me to place the order. I call again and the agent gives me rudimentary IT support and says that he put a ticket in for them to reach out. 4 days later I still had no contact from delta. I call again today XX/XX/XXXX and the agent informs me not only had the order not been replaced but my account was still marked as fraud. I speak to a manager who tells me that my account should be good to go and to try placing the order online again. I attempt to login to XXXX and It informs me that my account has been suspended. How during this whole process of my calling to confirm it was me placing the order my account was suspended is a mystery. I have to submit a photo ID for a credit card account which seems extremely suspicious in the first place and I receive an email saying XXXX will reach out to me in 10 business days. 

I am reported XXXX for False advertising and purjury having lied to me numerous times about activity done to my account, false orders that wernt placed. locking my account after I confirmed it was me numerous times. Invasion of my privacy asking for photo Identification to simply unlock my account. And for not allowing me to use my XXXX XXXX that I earned through there credit card reward system they claim can be used anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  XXXX XXXX XXXX Date : XXXX. XXXX, XXXX  The evidence of this hard inquiry was requested and in fact that is not my signature or handwriting and I reiterate that this was identity theft and was used without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: W&A Intermediate Co., LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a missed call. I googled the number and it came up as a debt collection agency. I called them so they could remove my number as I do not owe any debts. I refused to give them my name and they refused to remove my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: EdFinancial Services
State: NY
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:
In XXXX of XXXX I submitted a request for a refund of payments made during the XXXX forbearance period. EdFinancial agreed to refund my money. However, they have now added the money back to my loan balance without delivering the money back into my bank account. When asked for an estimate on how long it would take, they told me to " be patient '', and that they could offer no estimate. The extra balance in my account is now accumulating interest, while I am left empty handed of the refund. With no estimate on when the balance will finally reach me, this feels like theft.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-05
Company: EdFinancial Services
State: MA
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 have been trying to make payments for the upcoming loan that is due on XX/XX/XXXX as the loan forgiveness has been lifted. I went to make my first payment of {$210.00} on XX/XX/XXXX and EdFinancial stated that my payment was pending. A few days later I went to check the status ( around the XXXX of XXXX ) and was told it was reversed on the XXXX but I did not get an email stating it was. I tried again XX/XX/XXXX as it was less then a month until the payment was due and again it said I had a payment reversal. All my banking information is correct as it is the same information I used back before the loan forgiveness took effect in XXXX. Address has been updated as well. I have since tried again to make a new payment today ( XX/XX/XXXX ) after reinputting all my information. EdFinacial has since charged me interest as my information " was incorrect ''. I tried to live chat with then but their service is turned off and a phone call required a XXXX hour hold which I opted for a call back. As of now my charge is pending.

Company response to consumer: Untimely response
Consumer complaint received 2023-08-02
Company: BARCLAYS BANK DELAWARE
State: MA
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, Barclays Bank Old Navy XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604A Section 2 : It also states consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat any payment on a credit card account under an open-end consumer credit plan as late for any purpose.

You can not report transactions on a 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 explanation
Consumer complaint received 2023-10-05
Company: W&A Intermediate Co., LLC
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi, Received notice from Wakefield and Associates LLC that they are looking to collect debt from me from XXXX XXXX XXXX in the amount of {$52.00}. I do not know what this debt is for and need information provided about what it is for. I always use XXXX to pay off XXXX debt. All of my payments for XXXX are through there. I have contacted XXXX and they do not know of this charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-02
Company: HOVG, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received a collections bill in the mail from a procedure that toon place in XXXX of XXXX. I never once received a regular bill or statement requesting payment from the urgent care that performed the services.

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 2021-02-12
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
My name is XXXX XXXX last four digits my social security number is XXXX The law office of XXXX XXXX  XXXX XXXX  XXXX located at XXXX XXXX XXXX XXXX  XXXX XXXX New York XXXX. My complaint is that the law off unlawful filed a judgment against me in Supreme XXXX XXXX of XXXX .the index number is XXXX Their trying to sue me for a credit card account thats not mine the company is American express it has a balance of XXXX dollars the debt is 15 years old. America express search under my social security number XXXX and no information was found and they told me disregard the debt and they will let the attorney know they have wrong person. I made a complaint before against attorney XXXX XXXX and crane for harassing me and my family back in 2018 with consumer protection bureau. Things were quite when you contacted him .then 2 years later as of today XX/XX/XXXX he has a third party serve me a summons to appear in Supreme Court like if I'm a criminal defendant and credit card debt is handled in civil court not Supreme Court XXXX He's been using abuse tactics also doing soft pulls by checking my credit history and trying to dig up dirt on me and claiming that I owe America express money I stated before I have a common name. But he's still harassing me. My kids and wife were terrified when I got this summons to appear in court. He trying to get me arrested for a credit card bill that owe to America express that if I don't pay this bill. Which he's doing is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
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:
I disputed hard inquiries reported by your company in the file you maintain under my social security number. I was informed on 60 days ago that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report. In accordance with the requirements of the FRCA section 611 ( a ) ( 5 ) ( B ) ( ii ), you are required to notify me of the reinsertion in writing 5 business days. I hereby demand that you immediately delete the unauthorized hard inquiries from my credit report in order to avoid legal action. I am submitting this complaint separately to the Attorney General 's Office and the XXXX. Please govern yourself accordingly.

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 2023-10-05
Company: EdFinancial Services
State: OH
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 auto payments keep changing from some amount to XXXX and I have no idea what I'm supposed to be paying or when my payments will start

Company response to consumer: Untimely response
Consumer complaint received 2019-01-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
XX/XX/XXXX-my husband and I took out a home equity loan with the then XXXX XXXX XXXX. XX/XX/XXXX-XXXX XXXX XXXX sold the loan to Beneficial, New Jersey ( XXXX XXXX XXXX ) and removed their lien from our deed. XX/XX/XXXX-we took out a new home equity loan with XXXX XXXX. XXXX paid the remaining balance to Beneficial. XX/XX/XXXX-we completed the payment of our loan with XXXX XXXX - XXXX  removed their lien on our deed XX/XX/XXXX-I found out that Beneficial is still listed on our deed with a lien. At that point I wrote to the now organization of HSBC-Beneficial XX/XX/XXXX-we received a letter from HSBC informing us that the problem is with XXXX. You will note that the letter I received was not signed by anyone. I went to our local bank to discuss the situation with them and was told that it is not XXXX, it is Beneficial ( HSBC ) that must remove the lien. So I started making phone calls, lots of them. I have faxed paperwork, I have mailed it and made several dozen phone calls to a variety of phone numbers. At one of the numbers I called, unless you know someone who works there a customer can not get beyond the answering system. Others just weren't answered or the system would answer and say " there has been an error '' and hang up. XX/XX/XXXX-I wrote yet another letter to the same address in XXXX XXXX, IL as before, in XX/XX/XXXX. I have not received a response as of today, XX/XX/XXXX. I am enclosing a copy of all the documentation I have for this as well as my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SD
Product: Prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
In XXXX  I was a victim of XXXX fraud, some of my funds I did receive then my funds stopped. That was due to fraud, I verified my information with XXXX and XXXX confirmed that I was a victim of fraud. XXXX released my fund but Bank of America is telling me I or someone in my household used my funds. My card is still in my possession my Husband & daughter was the only people I allowed to use my card. But due to the fraud on my account my fund never got to my card. The fraud happened before the money was put on the card & Bank of America keeps denying my claim.

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 2023-06-29
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:
Despite multiple written requests, the unverified account listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/2023 but I never received a response from them. This account must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate this account, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX Balance : {$24000.00}

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 2023-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 have a fraudulent account on my credit report, which I reported it to XXXX XXXX, yet XXXX XXXX is not removing this fraudulent account. XXXX XXXX has no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than XXXX business days after date of receipt, yet XXXX XXXX  has refused to do this. The following is the fraudulent account : 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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 recently found a billing issue when I reviewed my credit report. Under U.S. 15. Code 1666 ( b ), billing errors include the creditor 's inability to accurately reflect a statement, a payment made by the debtor, or a credit line given to the debtor, as well as any computation errors or other accounting errors on a statement. As far as I'm aware, the creditor did not send me a statement 21 days prior, thus there shouldn't be any late payment on this account. This is definitely billing issues and I demand to see precise proof from the creditor 's bank account that I failed to pay and was deemed past due. The contested accounts is listed below. 
XXXX XXXX XXXX Balance Owed : {$4800.00}

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 2019-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
s Requested Correction : please update any and all info to my credit reports and take notice I have sent all evidence to support my claim. 
In accordance with 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that you investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, and correc any and all the item. Furthermore, pursuant to 15 U.S.C. 1681i ( b ), I request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes. Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the past six months.Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the item ( s ) in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comply with the above requests within the time periods specified. As you are well aware, failure to do so will result in a complaint being filed with the Federal Trade Commission.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-08
Company: EQUIFAX, INC.
State: GA
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:
I LOOKED UPON MY CREDIT REPORT AND DISCOVERED THESE ACCOUNTS THAT NEED TO BE DELETED.

Company response to consumer: Closed with explanation