BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-08
Company: Valentine and Kebartas, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Valentine & Kebartas is the company trying to contact me. The first representative was extremely rude and would not disclose the company he was calling from. I had to do my own research to figure out who they were. I was not comfortable with the first agent so I requested for a supervisor to call me back. I spoke to the supervisor and was told I would receive a call the following XXXX. I did not hear back until that following XXXX  and each phone call that I received until today I have answered, no one speaks and then they hang up. I had to call back multiple times today just to get in contact with someone and was met with an extremely pushy and rude supervisor. I tried to explain my concerns to this individual who told me that there has been no one on his team that has been difficult with me, and that when I want to settle my debt to call him back. I also asked for documentation of this matter before I give them any info and it didn't really seem like they could give me anything. I am very frustrated as I want to clear this up, but I am not comfortable giving any of my information to this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Maximus Education, LLC dba Aidvantage
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Requested refund for loans paid off during Covid-19 on XX/XX/2022 via support representative at Aidvantage. Total refund came to a total close to but under {$10000.00}. Was told to expect update to accounts in 10 days and expect a refund in full in 4-6 weeks. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts. Support representative told me that balance on Aidvantage would update when I get my refund in 4-6 weeks from submitting request. This information is completely different from what I was told when I put in my request on XXXX, XXXX, XXXX. At that date, I was told my account would be updated in 10 days from request. 

Called Aidvantage to check status of refund on XX/XX/2022 as theres been no change to accounts or communication. First aidvantage representative said my request was still processing and to expect refund in 10-12 weeks from request. This information was completely different from past calls which all told me to expect my refund in 4-6 weeks. I told current representative about conflicting information and they transferred me to another representative because they said they cant access specifics on my account. Second representative told my request was processing and that I should receive my full refund in 2 weeks. I was instructed by this representative to keep checking aidvantage accounts for any updates. I was also told by this representative that my account would update before I receive my refund which is completely different from what representative told me on XX/XX/2022. 

Called to aidvantage to check status of refund on XX/XX/2022. Representative told me that refunds take 10-12 weeks to process despite being told I would receive refund within 4-6 weeks. Representative also said that Department of Education hasnt made any updates to accounts requesting refunds. 

Today is XX/XX/2022, exactly 6 weeks since I made my initial refund request. There has been no changes to my accounts during this time. I am unsatisfied with the incorrect/always changing information I receive from aidvantage. At this time, it is unclear if I will receive the refund I requested at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-02
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I used my Synchrony Accounts ( Value City and Synchrony Home/XXXX  ) for three " no interest '' promotional purchases which ended in XX/XX/XXXX ( For Value City account XXXX in XXXX ) and XXXX XXXX XXXX ( For Synchrony Home/XXXX  ). To avoid interest charges related to these promotional purchases, I sent payments via checks mailed by my online banking services to Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, in the amounts of {$390.00}, {$1000.00} and {$390.00}, respectively ; however, upon reviewing my records, these payments were not applied to my account- resulting in erroneous interest charges to my accounted. 

Pursuant to the permissible purpose provisions of the Fair Credit Reporting Act, I have respectfully request all interest charged to my account related to the two promotional purchases and update my account balance with all major credit reporting bureaus ; however, Synchrony Bank has been unresponsive and mentioned to me via phone call " the interest will not be refunded. ''

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 2022-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2022, I received a email and letter in the mail from Bank of America stating that the account that was opened in my name was fraudulent and I do not owe or have any responsibilities for this account and debt, and that it would be removed from XXXX immediately, I tried contacting early warning check company which is a bank consumer reporting company, and they stated that this account is still showing up on my report after I was told from Bank of America in the letter that it will be removed in 15 days, it has been almost 2 months and its still reporting and Im being violated and lied to about my rights.

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 2018-08-17
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We are writing to dispute charge on XX/XX/XXXX ; ( {$3800.00} ). on our XXXX, XXXX XXXX   Visa Address : XXXX XXXX XXXX XXXX, DE XXXX After a ( 4 ) hour, high-pressure sales presentation, we reluctantly entered into a timeshare agreement with XXXX XXXX XXXX, ( XXXX ) before discovering the extent to which the company has engaged in unfair, deceptive and fraudulent sales practices. ( Phones not working, etc ). They made us open a XXXX Visa credit card and put the down payment ( {$3800.00} ) on it. The terms that we agreed to are not what the company ( XXXX XXXX ) has delivered. I received an email from XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. XXXX fully cancelled our contract with them. XXXX totally did not want to argue or litigate a suit we would have against them. ( I will also attach their emails on the cancellation. ) They realized their deceptive practice and terminated our contract with no problems. They told us to contact Barclay on the down payment. We disputed the amount of {$3800.00} which was used as a down payment to purchase this worthless timeshare for over 7 months. There were two charges by XXXX XXXX XXXX on XX/XX/XXXX. {$30.00} which went to closing costs and {$3800.00} went to the down payment. XXXX, ( XXXX XXXX Visa ) refunded {$30.00} on XX/XX/XXXX. Barclay realized their deceptive practice. Barclay needed to refund {$3800.00} to us as well. We were charged {$3800.00} for nothing in return. We disputed this, but to no avail. They will not refund our money, stating XXXX will not refund them the money. This complaint is against Barclay Visa for not refunding our down payment that we gave XXXX and put on the card. ( Actually XXXX should give the money back to Barclay first. )

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 2023-09-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
By the provisions of the Fair Credit Reporting Act, I am writing this letter to request that the following items which I believe appear to be inaccurate and incomplete be immediately investigated and corrected on my credit file 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 XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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 did a check online on XXXX XXXX on XX/XX/XXXX and saw where Bank of America had recently reported my Home Equity Line of Credit as charged off. This is an account that I have been paying on monthly, never missed a payment and only to run a report on my credit and found that XXXX dropped my score by over 100 points and XXXX cancelled one of my credit cards because of this false report. I made an inquiry with Bank of America and they sent me a reply today, XX/XX/21 that the report that have posted is correct. However, I have been paying my bill monthly and have never been late. Please investigate this matter for me so that I can have this derogatory remark removed and my credit score corrected. Bank of America reference number is 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 2023-09-21
Company: EQUIFAX, INC.
State: FL
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:
This is my 3rd 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 an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$470.00} XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent my complaint to Experian dispute. Im trying to buy a house this year and I'm being held up waiting for these items to be removed. Can you please help me remove these items that dont belong to me! 


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 explanation
Consumer complaint received 2022-11-13
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
I went into XXXX XXXX on XX/XX/2022 to open an account and potentially begin financing a phone through their company, but in order to do that a soft inquiry credit check was required so I gave my consent to do so. Upon them completing the credit check they informed me that they were unable to open an account for me because on my credit report it was being reported that I was deceased but they couldn't give me anymore information on the report like who the report was from or even a simple print out stating the information they had received and then gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XXXX, XX/XX/2022, my husband and I received a call from XXXX XXXX, or so we thought. The person/company used a XXXX XXXX XXXX ID number which made us believe we were really speaking with a XXXX representative XXXX The party advised us that they had sent us a certified letter regarding our account dues and that we were needing to pay for the replacement of our meter. If we did not make payment immediately, the technician was on their way to our home and we would be without services until Monday. We ended up paying them {$3700.00} ( {$440.00} ; {$1400.00} ; {$990.00} ; {$390.00} ; and {$390.00} ) before realizing it was a scam. The initial {$390.00} and {$990.00} were supposed to be deposits that would be returned to us by XXXX. While my husband was making the last XXXX transfer I was calling XXXX to confirm to which the true XXXX representative advised it was a scam and that several other customers were scammed into making payments. 
We immediately called JP Morgan Chase bank to stop the funds and were directed to their fraud department. We did not receive a letter from Chase bank denying us any adjustment to our funds until XX/XX/2022 by letter dated XX/XX/XXXX. We made numerous inquiries over the course of that time period with Chase bank via telephone and in-person and were pushed back with a " letter is coming '' response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was going through severe financial difficulty due to a divorce and job loss. I went to my local Wells Fargo Branch to get a debt consolidation loan. The clerk that helped me told me to get a credit card instead. I told them I would not qualify for a credit card due to my income and debt situation. I really wanted a debt consolidation loan. Instead, the person helping me filled out the credit card application with a fraudulent income. An amount far higher than my actual income. They told me to pay my bills with the credit card and then we could get a debt consolidation in the future. I used the card and went back a few months later and they declined me for a debt consolidation loan. Later, I couldn't pay for my credit card ( that I shouldn't have been given ) and defaulted. Wells Fargo got a judgment for the balance. Later, when Wells Fargo was national news for opening fake accounts, Wells Fargo contacting me AND PAID ME {$4000.00}!!!! I thanked them and did not join the class action lawsuit! They said the were just trying to make things right. Now, 4 years later, they are trying to Garnish {$54000.00} from my account. XXXX XXXX, the wells Fargo attorneys say I owe {$27000.00}. 

In summary, Wells Fargo opened a fraudulent account, paid me {$4000.00} to apologize so I wouldn't join the class action lawsuit. Now, years after the dust has settled, they have frozen my bank account stealing {$20000.00} already and trying to get {$54000.00} when their own attorneys say I owe {$27000.00}.

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 2022-11-08
Company: Resurgent Capital Services L.P.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have a soft inquiry from a company I did not give consent to pull my consumer report. I did not give them my non-public information ( ssn ) I do not know how they obtained my non-public information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04
Company: Convergent Resources, Inc.
State: TX
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:
XXXX - Return Order ( Order XXXX ) Label provided bXXXX XXXX - Tracking # XXXX ) XXXX XXXXXXXX - Equipment returned to XXXX via XXXX XXXX XXXX  using return label provided by XXXX XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX requesting payment - {$290.00} XXXX - Letter to XXXX disputing charge - {$290.00} XXXX - Letter from XXXX  " Final Notice. '' - {$290.00} XXXX - Letter to Convergent Outsourcing disputing charge - {$360.00} - {$360.00} XXXX - Accessed XXXX Report # XXXX XXXX XXXX Received letter from Convergent - claims to have " verified the information with the original creditor. '' - {$360.00} - {$360.00} XXXX - Email to Convergent disputing charge - {$360.00} - {$360.00} XXXX - Received phone call from Convergent - Asked them to call back in a couple of hours -- they agreed but never called. 
XXXX - Email to XXXX regarding their " response '' to XXXX. 
XXXX - Opened dispute on XXXX Tried tracking shipment -- XXXX could only track back 18 months. All they could tell me was that it had been delivered. Credit Score dropped almost XXXX points with this " collection. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
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:
I value you setting aside some margin to FIX a portion of the data in my credit document ; not withstanding, there are still a few accounts to be updated. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts ( 1 ). ( A ). 

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 2022-11-08
Company: TRUIST FINANCIAL CORPORATION
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I purchased a house in XX/XX/XXXX ( closing was on XX/XX/XXXX ) and paid $ XXXX by loan from a mortgage company. Late XXXX, I sold our house ( closing was on XX/XX/XXXX ), and I was about pay off my mortgage loan ( $ XXXX ). I knew my mortgage loan was sold to another bank before XX/XX/XXXX by mail from new mortgage bank. I received letters from mortgage companies in regard with my mortgage was transferred between XXXX companies. XXXX was delivered to our house late XXXX ( XXXX XXXX XXXX ), and the other was delivered XX/XX/XXXX from the original mortgage company. According to the letters, my mortgage was sold on XX/XX/XXXX. 
My original mortgage loan was supposed to be no penalty for early paying-off, but new bank is charging me {$1500.00} for " XXXX XXXX '', according to their pay-off statement which provided me per my request ( I called to new bank to pay-off my mortgage loan on XX/XX/XXXX when our original house was closed ). I received payoff statement on XX/XX/XXXX, I found this " fee '', so I called to the bank and asked what this charge, and a representative of new bank told me that overdraft was charge that I pay off my loan. It sounds like penalty which I would not be charged on the original mortgage. 
In addition, I have to pay one-month of interest even I pay off 1st day of the month. It supposed to be calculated daily basis as late payment penalty. 
I decided to go to the bank, and I will discuss with loan officer face to face tomorrow ( XX/XX/XXXX ). Thanks a lot.

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 2022-11-08
Company: Experian Information Solutions Inc.
State: NJ
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:
I've called several times to update my birthday with no ability to reach a representative who can help me. I've used the automated system several times and it never prevents me with the options I need. When I ask to speak with someone, the system tells me NO and hangs up.

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 2023-02-10
Company: EQUIFAX, 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 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 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 failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 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 Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation