BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-13
Company: Portfolio America Asset Management, LLC
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2020 They just tried to call and they have responded to my complaint or no call order from sent in earlier and you've sent they a follow up letter

Company response to consumer: Untimely response
Consumer complaint received 2020-02-13
Company: AES/PHEAA
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:
My student loans were discharged under the PSLF, but FedLoan reports ( and I concur ) that I paid 123 out of 120 payments resulting in a 3 additional payments over the required 120 payments ( see attached ). On XX/XX/XXXX, FedLoan Servicing reported that it would take 30-60 days ( see attached ) for the Department of Treasury to refund these over-payments. As of XX/XX/XXXX, it has been over 90 days and I have not received a response to my request for this refund which is approximately {$1700.00}. I would like CFPB to look into this matter to identify the problem and what needs to be resolved to refund these surplus payments to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Charged excessive fees nsf fees and account is closed 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 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
I applied for a credit card and I got denied. I was not told the reason on why I got denied. I went home and decided to get a copy of my credit report on XXXX   XXXX and I saw various items that had been open from XX/XX/XXXX-XX/XX/XXXXand one item in XX/XX/XXXX. These items are not mine. Someone has used my information to open up all these fraudulent accounts. Please take them off my credit report. 

XXXX XXXX {$680.00} XXXX   XXXX  XXXX {$250.00} XXXX   XXXX XXXX {$420.00}

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 explanation
Consumer complaint received 2023-03-10
Company: Experian Information Solutions Inc.
State: IL
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:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX, Il XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX {$15000.00} XX/XX/XXXX XXXX XXXX {$25000.00} 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 explanation
Consumer complaint received 2020-02-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 pulled a hard pull on my credit. Which, I didn't mind at the time. They have asked for several documents to be submitted, I couldn't submit those documents at that time until the following day. I did not receive any phone calls from them nor any e-mails that they've denied my loan request. I have to call to find out that they dined my loan. I asked them why, and they wouldn't give me a solid answer. The hard pull on my credit is what hurts me the most because I did not even have the chance to talk to anyone about the case or even show any proof. I called Trans Union to see if they can help me dispute my credit score, they stated that they need a letter of the loan denial. I called XXXX again and they would not give me a letter and kept saying that it was my fault. Any company that I've gone through credit cards or loans, you always receive a letter saying they have approved or have denied your request. I don't understand what their issue was, but it's unethical. Glad to be denied because I wouldn't want to do business with them even further after this incident.

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 2023-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Re : XXXX I have obtained additional evidence supporting my complaint, and I'm told I can not re-open the original complaint but can file a new one. 
I have two Capital One credit cards, at issue is my CapOne Quicksilver card. I have used this card with XXXX to purchase goods and services, also make a charitable donation as follows : XX/XX/XXXX {$240.00} services XX/XX/XXXX {$160.00} services XX/XX/XXXX {$50.00} refund for a computer purchase sent to client XX/XX/XXXX {$100.00} charitable donation to XXXX XXXX of XXXX, an organization that supports families of fallen police officers. CapOne NEVER disclosed that XXXX transactions were considered cash advance, and in addition to the 29+ % interest they charge on my balance, CapOne XXXX charges more than 29 % interest on the cash advances. I contacted CapOne by phone on XX/XX/XXXX. This is when I first learned that XXXX was considered a cash advance ( even though it's not ) and was told that cash advances can not be paid off separately. Furthermore, I was told CapOne will continue to charge 29 % on the card balance plus anadditional +29 % on the cash advances until the ENTIRE CARD Balance is paid off. By virtue of their failure to disclose this predatory lending scam, their failure to disclose XXXX was considered a cash advance, their failure to disclose that the actual interest rate is MUCH HIGHER than the already crazy 29 % CapOne is knowingly taking advantage of their customers many of whom are not able to pay off these gigantic balances that mysteriously grow every month even though customers are religiously making payments to knock down the balance. 
CapOne 's response contained multiple false statements. I had been a customer for many years, and NEVER was it disclosed to me that XXXX transactions were considered cash advances prior to my phone call with Cap1 on XX/XX/XXXX. Additionally, the Cap1 XXXX app CLEARLY indicates XXXX was not a cash advance but a purchase. In no case did I ever receive cash from ANY of my XXXX transactions, therefore how could it be a cash advance? Not a cash advance. Had I known XXXX was deceptively labelled as something it wasn't, I would never have used it and avoided debtors prison. No matter how much I send to Cap1 in payments, my balance continues to grow well beyond usage. What other hidden fees are they assessing? I have attached statements that do not indicate XXXX is considered a cash advance, and one screenshot from the XXXX app showing XXXX is a purchase. The XXXX app doesn't allow access to statements or older transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America Mortgage Loan # XXXX The lack of processing of our loan has thrown us into default within the terms of the Purchase Agreement. Due to my husbands future ( retirement ~ date unknown at this time ) I was told he would need to be removed from the loan application because he would not have the wherewithal to meet his financial commitments if he retires. When we applied for the loan our birth dates were stated ~ retirement is a fact of life as is XXXX. I retired XX/XX/XXXX with a reasonable pension from XXXX. We paid for an appraisal ( {$560.00}? ) which was completed and requested the appraisal be sent to us so that we could use it elsewhere. That has not occurred. Most importantly, we requested a letter stating the approval or the denial of our loan, which as of today 's date XX/XX/XXXX has not been received. We have pending damages if we fail to close on XX/XX/XXXX. Only personal note is that my credit score is XXXX and we are creditworthy applicants.

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 2023-08-14
Company: The Law Firm of Derek Williams, LLC d/b/a Infinite Law Group
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Buyer beware. I should have read all the horrible reviews about this law firm. BEWARE. I had been paying for a few months now, I believe approximately 6 payments of {$500.00}. So a total of approximately {$3000.00}. Unfortunately I was unable to continue making the payments of the payment plan. Therefore I decided to file for bankruptcy instead. Well I called to cancel the program and expect at least some money back, since nothing was done on the account, other than collect the money from the payment plan. They advised I would only be getting a whopping XXXX XXXX in return. How is this possible that every payment I made went to fee 's and fee 's for doing nothing other than collecting the payment. This law firm makes you believe that this law firm and its program is helpful, when they aren't doing anything but collecting every payment. I understand there are fee 's, but it is outrageous that fee 's were charged for doing nothing. I expected at least half back. Either way, BEWARE of this program, I guarantee it is not right for you, look elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: EQUIFAX, INC.
State: CA
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 reviewed my Consumer Reports and noticed that I had late payments on several accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXX Balance : {$230000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$230000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
We had a second mortgage with XXXX XXXX XXXX XXXX XXXX. This account went into foreclosure. XXXX XXXX XXXX XXXX XXXX was the property. The foreclosure was X/2012. 

We started the process of purchasing a home and noticed that they were reporting a balance on the account. We called them and they were very nice and said that they would change the reporting. They did not, when we went to close on our house they would not change it on the credit report but did allow for the change directly to the mortgage company we were purchasing from. We would like the account shown as closed and XXXX balance on our report, just as they reported to our mortgage company. 

XXXX and XXXX XXXX XXXX XXXX current address XXXX XXXX XXXX XXXX XXXX XXXX phone 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 2020-02-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I called what i thought was XXXX  support ( XXXX ) to help me with a computer issue, and the person on the phone had me download an app so he could see what i was doing on my screen and had me send him money via XXXX XXXX. He had me delete my card and add his, then remove his and put mine back, in hindsight he was obviously lying but i was frazzled and worried about my computer. I told him i didn't want to pay anything and he told me that I wasn't paying anything. I sent him {$870.00}, and then realized what had happened and hung up on him. I called the bank and we cancelled my debit card and i made a fraud claim. I also called XXXX XXXX support but was told they couldn't help me because the transaction went through my bank card.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-02-13
Company: Commonwealth Financial Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was notified on XX/XX/XXXX at XXXX that I owed {$5700.00} from dates of services XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX XXXX  XXXX XXXX. The company that called me did NOT leave a voicemail in which I called back. The company is called Common Wealth Financial Systems, Inc. I have never been back to back to this facility ever before. Its scary because these dates do NOT sound familiar at all and I didn't receive anything in the mail I also have NEVER been called from this facility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TD BANK US HOLDING COMPANY
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:
TD Bank is purposefully reporting inaccurate information on our credit reports since are officially disputing both the amount that they state that we owe on New York Civil Court Index No XXXX, in complete, willful, and total violation of the federal Fair Credit Reporting Act ( " FCRA '' ). 

TD Bank 's willful FCRA violation has been committed knowingly and recklessly. 

In this case we may receive actual or statutory damages ranging from {$100.00} to {$1000.00} per violation, in addition to punitive damages determined by the courts. 

Please urgently investigate and advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is a SCAM! I submitted a complaint outlining false reporting around the date a XXXX XXXX credit card account was opened. They responded admitting the account was opened in XXXX and went delinquent in XXXX but because they purchased the debt in XXXX that is why they listed the account being opened. THIS IS FRAUD. When they bought the debt has nothing to do with how old the debt is. They are doing this so they can restart the clock on my credit report and have longer to collect. It is predatory! The age of the debt being accurate on a credit report is important! Newer debts have more impact on overall credit score. It needs to be reported accurately. This is so criminal. They are also claiming they cant control what the credit report agency shows which is also untrue hence it being illegal to report false information. Are they accusing XXXX XXXX of lying? Well if so THEY should file a suit against the credit reporting services for misrepresenting their data but that is not what is happening. Please this is predatory and I expect the government to do the right thing and hold Portfolio recovery responsible. Claiming the debt was opened in XXXX because they sent a letter to me informing me of the debt that had already existed for years is insane. Im not going to let this go!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 
According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b in general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer.

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/XXXX inquiry from XXXX XX/XX/XXXX inquiry from XXXX XXXX XXXX XXXX XX/XX/XXXX inquiry Bank Of America I Called XXXX and XXXX  twice they did not remove these inquires. 

I understand that per the Fair Credit Reporting Act, you are required to notify me of your investigation results within 30 days. My contact information is provided below, and I have included proof of my social security and current address to avoid any delays in your response time. 
I look forward to receiving an updated copy of my credit report reflecting the above correction. Thanking you in advance. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX DOB : 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 explanation
Consumer complaint received 2023-03-25
Company: EQUIFAX, INC.
State: NY
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 dispute the inaccuracies on my credit report that have been reported by the following creditors : XXXX CHILD SUPPORT XXXX, XXXX XXXX XXXX XXXX, and XXXXXXXX XXXX XXXXXXXX. 

XXXX CHILD SUPPORT XXXX has reported inaccurate information to the credit reporting agencies, which may potentially violate the Fair Credit Reporting Act ( FCRA ) section 623 ( a ) ( 1 ) ( A ). Additionally, this creditor has failed to report the correct account status, which may potentially violate FCRA section 623 ( a ) ( 2 ). Furthermore, XXXX CHILD SUPPORT XXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). 

XXXX XXXX XXXX XXXX has also reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Moreover, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

XXXXXXXX XXXX XXXXXXXX has reported different account type information on different credit reports, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( B ). Additionally, this creditor has failed to report a monthly payment amount, which may potentially violate FCRA section XXXX ( a ) ( XXXX ). Furthermore, XXXXXXXX XXXX XXXXXXXX has reported different credit limit information on different credit reports, which XXXX potentially violate FCRA section 623 ( a ) ( 1 ) ( D ). Finally, this creditor has reported inaccurate last reported dates, which may potentially violate FCRA section 623 ( a ) ( 1 ) ( A ). 

These inaccuracies have affected me greatly, both financially and emotionally. As a result of these inaccuracies, my credit score has been negatively impacted, making it difficult for me to secure loans or credit cards with favorable terms. This has made it challenging for me to provide for myself and my family, and has caused me a great deal of stress and anxiety. 

Therefore, I am requesting that these unverified collection accounts be removed from my credit report as soon as possible. I am hoping for a prompt resolution to this matter, and I would appreciate any assistance you can provide. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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:
THERE ARE THREE INQUIRIES THAT SHOULD NOT BE ON MY REPORT XXXX XXXX Inquiry : XX/XX/2019  Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/2019 Miscellaneous ( 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 2023-08-25
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am a victim of identity theft. I am filing this complaint for myself to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report.

Company response to consumer: Closed with non-monetary relief