BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-30
Company: BARCLAYS BANK DELAWARE
State: NY
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:
I applied for a Barclays Jet Blue Plus Credit Card based on an inflight offer on XX/XX/2022. The offer was that the 1st year annual fee was waived by using a promo code given on the flight. I was subsequently approved for the card and started using it. The first statement I received had the annual fee of $ XXXX on it. I called on XX/XX/XXXX to dispute the fee. I then called on XX/XX/XXXX and a manager said they would credit the fee. That never happened so I called again on XX/XX/XXXX and was told to email a copy of the offer I was given showing the annual fee waiver. I did that per the attached email. I then followed up on XX/XX/XXXX to check on the status per the attached email thread. I asked that the disputed charge be put on hold pending the outcome of the dispute, but they said I'm responsible to pay it until that time. I should not have to pay a fee that's under dispute pending the resolution of the case. 
This is unfair to consumers as they are not providing what they are advertising.

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 2021-06-18
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Sequium Asset Solutions placed an account for collections on my credit report for {$780.00}. I have never heard of this company. I was never notified of any accounts in collections. So, upon seeing the information, I contacted to company. The automated system stated I had an account balance of {$100.00} so I requested to speak with a representative. They were unable to locate an account using my name, telephone number or ever social security number. I spoke with 3 different representatives. Nothing! The last representative stated she was speaking with a supervisor and placed me on hold. I was on hold so long that my call went back into que and when it did, I was routed to XXXX XXXX Help Line. This company is a SCAM! I need there information removed from my report ASAP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I requested the Bill Pay service through Bank of America, to pay my landlord ( XXXX XXXX XXXX XXXX  ) in XXXX XXXX, FL for my business rent in the amount {$9900.00} on XX/XX/XXXX. 
They sent check number # XXXX to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX. 
This person is NOT in my contacts nor do I KNOW HIM, he cashed the check through XXXX XXXX. 
Bank of America closed my case number as they stated that the paperwork was filed incorrectly. It is unclear if the one that I have is still currently active, BOA case # XXXX I have called numerous times to Bank of America, Bill Pay and also filed an affidavit on XX/XX/XXXX to retrieve my ill directed funds. None of these institutions seem to accept responsibility for this matter, all seem to point the fingers at each other and Im left with zero communication. I have been without these funds now for over a year. This is totally unacceptable. My understanding is that since the check crossed state lines it is considered a federal crime, hence the hesitation. I would like this matter to be resolved immediately since this has really been dragged on for way too long!

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 2021-03-09
Company: Holloway Credit Solutions
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
1 year and 3 months ago I was charged with a {$300.00} medical bill that was supposed to be covered by XXXX XXXX ( XXXX XXXX ). 

I had been receiving harassing calls from Holloway Credit Solutions for about a year ; I had no idea it was for me because I had XXXX credit/debt. 

I tried contacting Holloway Credit Solutions 3 months ago to report that the debt was not mine. I was told that I'm stuck with the bill because XXXX XXXX did not pay my bill on time. The same bill that was forced upon me by XXXX XXXX. 

Also, Holloway Credit Solutions have the incorrect address for me on file for this collection. 

I spoke a week ago with someone at Holloway Credit Solutions ; asking for a written document stating that if I pay {$300.00} they'd delete from my report within 45 days. This was denied to me and now I cant even get the collection that isn't even mine off of my report without risk. they have destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-13
Company: NEW YORK COMMUNITY BANCORP INC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have a mortgage serviced by Flagstar bank. I paid all my mortgage due on time before pandemic. This property is my rental property which is located near XXXX campus. My tenants usually are XXXX fellows. Since the pandemic, I lost the rental income due to the school closure. My tenants went home and studied remotely. I also lost my job due to pandemic. So I applied for forbearance at the beginning with the hope the covid situation would be squared soon. But as we know it took longer than expected and also students got used to virtual study and even after school reopened in 2022, there were much fewer come back to campus. But on the other side my forbearance period ended and a large lump sum of outstanding balance due. I talked to housing consultant and was suggested to contact my lender for deferment or loss mitigation. I contacted Flagstar then the nightmare started. They first asked me to submit loss mitigation application, which I did. Then they told me they needed additional documents, I submitted, but they never really reviewed my documents and repeated asked the same thing once for a long time. I repeatedly resubmitted the documents, but they still continued to ignore it then told me the application expired my house would be foreclosed. I kept calling them for resolution, everytime a random person picked up my call after a very long holding time, and told me a different story. I had been asked to resumbit the application forms at least 4 times. I always called them to follow up and they kept telling me it was under review and I had nothing else I could do than waiting for decision. Then at some point, instead of a decision, I received foreclosure letter. Then I called them, they would say the loss mitigation application expired, again and again, due to their ignorance and delay than anything else. Now I tried to file another one but their system is not working at all. It seemed they purposely created the difficulty so they could foreclose people 's house. They are predator than anything else. They crafted a case to foreclose people 's house. I am single mom with XXXX XXXX XXXX XXXX. I am very struggling with my life already. They made my life very stressful. What should I do?

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 2019-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Re a charge for service by the XXXX XXXX XXXX ( XXXX, a travel soccer club, charge on XX/XX/2018, {$1800.00} XXXX, it appears my credit card company ( Capital One ) can not elevate the dispute to VISA because they either need documentation : 1. From XXXX that a credit refund is acceptable to them or that the XXXX contract for services identifies the type of refund that is applicable ; or 2. Another similar service provider ( another soccer club ) issues a letter of support that a refund is in order given the circumstances. 

The fact of the matter is that neither is remotely likely. We have so far and directly stated this to Capital One in a length recorded conversation this morning ( XX/XX/XXXX ). 

XXXX would not provide an affirmative statement to the applicability of a refund and has so stated twice. XXXX 's refund policy is limited to two very limited circumstances that do not apply here. 

Moreover, another soccer travel club would not take the time to be briefed on our circumstances nor write a letter in support. That would incur a cost to that club without any benefit. We also have no relations to any other soccer club. 

This places our dispute in an impossible situation. We have detailed to both XXXX and Capital One a request for a refund given that XXXX   has lacked providing services it has committed. Our two letters ( One to XXXX that actually address a request for a refund and rebuttal to XXXX 's denials ) and one to Capital One ( that can not move forward due to purported beaurocratic hurdles cited above with VISA ) has not and seems not to be able to moved forward. 

We are asking the CFPB to do its best to resolve this issue. We believe that the facts lean in our favor and that XXXX 's rebuttals are weak ( only providing generalities and incorrect ones ). We also believe Capital One could do more. An aspect of the complaint also notes that Capital One did not notice us re decisions until late in the process, i.e., everyone else including XXXX knew of decision well before we did.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX  XXXX # XXXX, XXXX XXXX XXXX  : # XXXX, XXXX XXXX XXXX  # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of infor mation Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Received unwanted marketing or advertising

Complaint:
XXXX - Company has misused reports to make XXXX look XXXX! 
All in the name of the " glorious XXXX '' Contacted me Virtually & not in WRITING after contact hours XXXX violated truth in lending & fair credit reporting act

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2022-11-11
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:
Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to delete the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : 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 explanation
Consumer complaint received 2021-03-08
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
On XX/XX/XXXX a debt collector called an acquaintance of mine in regards to a debt belonging to my deceased father. The debt collector has already been informed by myself that my father passed away in XXXX and has no assets. He is still calling me once a month. Now he is calling acquaintances of my late father to get information about me and my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-08
Company: EQUIFAX, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-14
Company: Experian Information Solutions Inc.
State: NJ
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 XX/XX/2023 Credit report contains inaccurate information, income, and/or bank account balance from XXXX XXXX. 

Credit report was submitted without consent and/or authorization. 

XXXX XXXX has not honored the agreement and/or complied with applicable laws/statutes ( UCC 8-112, etc. , FDPC, FDRA ) nor provided remedy and recourse via lawful recission demanded by customer as a result in a reasonable time.

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 2021-03-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3000.00}, {$0.00}, {$2200.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3000.00} -This is not my account. 

2. XXXX XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2200.00} -This is not my account.

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 2019-05-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Hello, I hope this complaint finds you well. 

I was happy to resolve this pending issue with XXXX. 

However, on my XXXX credit report now it was recently added that Portfolio Recovery is seeking {$680.00} that has been already closed and paid. It is improperly showing a collections account from the original creditor XXXX XXXX. This account in particular has already been paid off and closed on my XXXX credit report, but still showing on my XXXX  report. Please find images backing this claim up attached to this message. 

I had initially sent this dispute to XXXX  along with a Debt Validation Letter to Portfolio Recovery on XX/XX/XXXX. The parcel was never responded to. 

Furthermore, I currently have a XXXX XXXX credit card as additional proof, and have been diligently paying this card for the past 8 months. Please help me resolve this issue with XXXX. 

Attached to this email you will find the Debt Validation letter I have sent Portfolio Recovery, along with my XXXX  report confirming that they have removed said Collections account from my report. 

Furthermore, you will find my XXXX Credit Report dated XX/XX/2019 which only shows 1 ( ONE ) collection account that was on my report. Please find all associated evidence that I have accumulated. 

To add further grievance, when I contacted Portfolio Recovery they refused to provided me any further information nor validation for said debt. 

The confirmation number for my XXXX  dispute is XXXX. 

I would sincerely appreciate any help that you could give me for this issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-07
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem with forgiveness, cancellation, or discharge

Complaint:
I received statements from Mohela outlining the number of oayments I have made and the number I have left for PSLF. It showed I have made upwards of XXXX payments on all my loans, and I only need XXXX to qualify for PSLF forgiveness. However, the statements said I do not qualify. This seems like a major error. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-15
Company: SUNCOAST CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
XXXX XXXX is an individual who is responsible for a XXXX ad for a 2 bed 2 bath condo in XXXX, Florida. I contacted the individual in regards to the condo and he proceeded to inform me of the features of the home and that he was living in Delaware taking care of his mother so he could not show me it in person. He sent me pictures of the place and had me fill out an application for the condo, he informed me I was accepted and I would be signing a lease and needed to place a security deposit of {$800.00} and a first month rent of {$800.00}. I proceeded to sign the lease on XX/XX/21 and send him the money. He informed me that he would be sending me the keys via US mail in order for me to move in to the condo on XX/XX/21. On XX/XX/21 he contacted me saying he could not send the keys because an individual wiling to pay all months up front was interested and the only way he would send me the keys was if I payed him all the money up front with a discount making it only {$600.00} a month. I proceeded to inform him that I really needed the condo because I was a medical student sent to clinical rotations in XXXX and he asked me to send money in order to make it happen. In desperation of needing a place to stay I sent him a bitcoin transaction of {$900.00} through cashapp and {$500.00} deposited in a bitcoin ATM. I attempted further to send him more money but I was limited to how much I could pull and send in 1 day. I told him i would continue the payments if the keys were delivered by the next day and he stated that they would but the following day he reached out and said one of my payments had fallen through and that I needed to send another {$800.00}. I realized he was a scammer and refused to send him any more money until I had the keys and he proceeded to tell me that I would never get the keys unless I payed the full amount. I was unable to move in on the date signed on the lease and am currently homeless as my funds for the semester have been stolen and I have nowhere to stay. The bank refuses to help me with my funds as they say the money was sent and they can not be returned.

Company response to consumer: Closed with explanation