BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-04-09
Company: AES/PHEAA
State: NC
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 initially had my student loans with XXXX XXXX  and I have been working in public service for almost 10 years. Since I have almost met the 10 year mark ( 1.5 years away ), I decided to apply for the loan forgiveness program with XXXX XXXX. The loans were transferred over successfully ( 2 months later ) and then I started receiving letters that I will need to change to a qualifying payment plan. I called them twice to figure out what was going on and today I find out that my loans do not qualify for the forgiveness program because I'm not in the right payment plan. If I had known this, I would have never ever transferred my loans over to them. With the forgiveness program, I would end up paying way more than I borrowed originally or would have paid off with my original payment plan. I told the supervisor that what they are doing is considered fraud and they should be more clear in terms of who actually qualifies for forgiveness eligibility. The supervisor at the loan office acted like this was all transparent. Their definition of eligible repayment plan was never clarified for me. When I asked if I was the first person to call in about this, the supervisor said no. She just kept mentioning it was on the sheet I signed which it wasn't. Needless to say, I will be transferring my loans yet again to another service. In short, be very careful before you apply to the loan forgiveness program with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: FC HoldCo LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am writing this letter to request you to remove the late payments from my credit reports as indicated in the reports. According to the Fair Credit Reporting Act, any inaccurate or incomplete information in credit reports must be corrected or removed. 

I have reviewed my credit reports from your bureau and noticed that there are several late payments on my credit accounts that are inaccurate. I have attached copies of my credit reports highlighting the inaccuracies as well as the proof of the errors. 

I have been making consistent payments on all my accounts, and there have been no late payments beyond the initial late payment reported. Therefore, I request that you remove the negative reports from my credit report to enable me to improve my credit score.

I respectfully request that you investigate and correct the errors promptly to avoid further damage to my credit score. You may contact me if there are any queries or if you require additional information.

Using FCRA Section 611 ( 5 ) ( A ) and FCRA 15 U.S.C 1681

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 2022-02-01
Company: BMW Financial Services NA, LLC
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Today at XXXX a tow truck guy pulled up on my property hooked the back of my vehicle up and attempted to tow my vehicle. I told him that it was illegal and that I will not allow his company to seize my property. This is a violation under 15 USC 1692e it states a debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Last year on XX/XX/2021 I mailed BMW FINANCIAL SERVICES a Cease & Desist letter, Invoice, Affidavit, and Letter Of Validation. Pursuant to 15 USC 1692g BMW FINANCIAL SERVICES did not follow the XXXX directions with in this federal law. Which is a failure and holds them civically liable under 15 USC 1692k to pay me in {$1000.00} in damages. Also another {$1000.00} for breaking the 15 USC 1692e law in attempt to collect an alleged debt by ceasing my property. BMW FINANCIAL SERVICES has been in violation of multiple FDCPA laws and I reached out to them to solve the damages by seeking remedy. BMW FINANCIAL SERVICES individual actions shows there persistence of noncompliance as a debt collector, and the nature of such noncompliance, and the extent to which such noncompliance is showing that there individual actions are intentional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-02
Company: Experian Information Solutions Inc.
State: NV
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: Was not notified of investigation status or results

Complaint:
I submitted a dispute to all 3 credit bureaus ( Experian, XXXX and XXXX  ) on XXXX. As of today I have not received any response from Experian or XXXX. 
Under Federal Law ( Fair Credit Report Act ) the credit bureaus are required to complete a re-investigation within 30-45 days. Experian and XXXX have failed to respond in a timely manner to my requests and while I did receive a response from TransUnion, they did not resolve all of my issues.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
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.

1. XXXX XXXX XXXX, XXXX Acct # XXXX, has violated my rights. 

XXXX. XXXX ACCT 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 information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX 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 2018-03-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
In 2017 Wells Fargo Bank gave me overdraft fees back into my account at approximately XXXX after speaking to a account manager. The manager gave me the fees back and for some reason the funds didn't post immediately which they always did or either showed pending and no other fees would accrue. Well the fees cause a small transaction to cause another overdraft and I was charged fees until the account closed. The fees totaled XXXX XXXX and XXXX XXXX dollars. I attempted to resolve this with the bank numerous times which they refused to do. I am wanting the account resolved to a XXXX balance because It wasn't my fault that the item overdrafted.

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 2023-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a letter to the Credit Bureaus to correct these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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 2023-07-05
Company: Lockhart, Morris & Montgomery Inc.
State: FL
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:
I have already disputed this account and won same debt with a different debt collector the account was turned to closed account then removed now it's back as a derogatory collection the have the wrong information the account was open like 5 years ago I'm aggravated cause it just damaged my perfect credit score that I been working hard onIn accordance with fair credit reporting act XXXX  account Lockhart, Morris and Mont Has violated my right. 15 u.s.c 1681 section 602 A. States I have right to privacy. 15 u.s.c 1681 section 604 A section 2 : it's also state a consumer reporting agency can not furnish account with out my written instructions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CL Holdings LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Jeffferson Capital has put a discharge on my credit report for a XXXX XXXX that I never had for {$800.00}. I asked them to send me proof of charges and what they sent me are bank charges of {$150.00} per year for a card I never had. This dates back over 7 years ago. There is a court order stating that they can no longer try to collect for XXXX XXXX which I am attaching. Can you please help me get this off my credit report. I have been trying for almost a year and they refuse to work with me. Is it possible for me to get a letter stating this is being removed so that I have written proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-08
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Dear Consumer Financial Protection Bureau, I am writing to bring to your attention concerning issues I have encountered as a long-time customer of Wells Fargo for over 30 years. It appears that there are instances of predatory banking practices that warrant further investigation. 

On numerous occasions, I've experienced overdrafts, often coinciding with delayed deposits or what seems to be a deliberate holding of drafts to trigger overdrafts in my account. Additionally, Wells Fargo has acknowledged errors on their part, refunding charges only after my intervention. Without my proactive steps, these charges would have remained unjustly imposed. 

I am deeply concerned about the potential harm caused by such practices and believe that federal oversight is necessary to prevent similar instances from affecting other customers. I kindly request a thorough investigation into Wells Fargo 's banking practices to ensure accountability and safeguard the financial well-being of its customers. 

Thank you for your attention to this matter.

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 2019-03-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I called Barclays to cancel XXXX XXXX XXXX XXXX card I had with them. They offered me a no annual fee XXXX XXXX card if I would stay with them. I accepted the switch and did not know this canceled the auto pay I had on the original card. After 3 months I received a letter telling me the account was closed due to non payment. I immediately called and paid the entire balance most of which was late fees. 
My almost perfect credit score has dropped 80 points. I was receiving emails about my payment being due but they were the same emails I was getting prior to switching cards and I thought they were still being auto paid. None of the emails had a subject line that would let me know the bill was going unpaid. When I called to pay off the card I asked for help fixing my credit score I was told they would look into fixing my credit status. The next day I received a voice mail telling me to call the same XXXX number and ask for a supervisor. When I called back I was not put through to anyone and was told to write a letter to FCRA. I When offering to switch the cards the salesperson should have asked me if I wanted to continue to auto pay. Why did they wait till they had run up high delinquency fees and then closed the account before attempting to contact me. They had both a phone number and mailing address. 

They offered the switch without being clear about the change in auto pay. The charged me high delinquency fees and then closed the account. I received a letter telling me the account was closed.

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 2016-03-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Due to a subprime loan by Countrywide/Bank of America, I lost my home on XXXX XXXX in XXXX XXXX in XX/XX/XXXX in a foreclousure sale. Bank of America Foreclosed on my home in XX/XX/XXXX, and no other activity occured on said account since. Bank of America reported to their collection company a wrongful activity date of XX/XX/XXXX. This is on my credit report with XXXX and XXXX and must be removed immediately. The last activity on this account was the foreclosure in " XX/XX/XXXX ''. I have submitted several letters of Dispute and calls to both XXXX XXXX XXXX, and to Bank of America to no avail. I need help having them remove this from my credit reports since " XX/XX/XXXX ''. 
I have attached some letters of dispute I have sent to them.

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 2019-03-19
Company: Delta Outsource Group, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling relatives NEVER even reported in my initial credit application and harassing everyone with some connection to me. They are harassing my senior grandfather and confusing him, this needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Citibank never credit the bonus I should get as they advertised and lying through their teeth by Citigold account rep and the branch manager. 

XX/XX/XXXX, Citibank had an online advertisement saying " For a limited time, new or existing Citi Priority or Citigold customers can earn up to a $ XXXX- {$700.00} cash bonus. To enroll, simply speak to a representative at your local Citibank branch or call XXXX ''. 

XX/XX/XXXX, I enrolled in this promotion with a representative named XXXX. 

XX/XX/XXXX, {$25000.00} was transferred from XXXX XXXX XXXX to my Citibank 's Saving Plus account and the fund is shown at Citibank on XX/XX/XXXX. 

XX/XX/XXXX, after 4 and half month of deposit, Citibank didn't credit the bonus. I called and spoke to XXXX ( who did not want to give me his last name ), questioned the cash bonus. He wasn't able and not willing to provide any help. 

At beginning of XX/XX/XXXX, I spoke to Citigold Relationship Manager XXXX XXXX, he insisted I have to sign the " Citigold Team Engagement Terms '' form, even though he acknowledged that this form has nothing to do with the cash bonus, but I signed the form anyway. 

With numerous attempt try to get this resolved with XXXX XXXX, but all he did was telling me that he would look into it. He didn't do anything and never returned any of my calls. 

XX/XX/XXXX, I called XXXX again and was luck enough he answered phone. He told me that he was going to speak to his manager and would get right back to me, bu again he never did. 

XX/XX/XXXX, I escalated this to the branch manager XXXX XXXX, She promised she'll look into this and give me an update in two days. 

But she didn't and never provided me any update. I made repeated inquires on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all she did was telling me that she would look into it. But she never did anything, never provided any update or any resolution. 

More than 13 month after the deposit was made and the repeated requests to have this rectified, Citigold account rep and branch manager refused to take corrective action. This was not just only a deliberate false advertisement and deceptive business practice, it also demonstrated Citibank 's customer service 's culture which is full of lying and deceiving. 

As a Citibank customer for more than 3 decades, I should deserve an explanation from Citibank management team, why Citibank breach their promise and refuse to credit the bonus they advertised? Why the Citigold account rep and the branch manager keep lying to their customer.

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 2019-07-17
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/2019 I was attempting to purchase a new car from the XXXX XXXX XXXX and they informed that my Experian and XXXX credit reports each contained a security freeze. While I was immediately able to unfreeze my TransUnion credit report via their website, the Experian report showed it being unlocked on their membership website that they gave to me. On XX/XX/2019 I spoke with XXXX and they still said that it was frozen. When I actually called Experian they said that it was frozen and that I needed a PIN that had been sent to me in the mail at the time of the freeze. I informed them that I never received it and why on earth would they send a PIN that could unlock my credit report through an unsafe delivery system where anyone could take it? Then they wanted all of my private info such as bank statements, utility bills and copies of my government identification to be sent to them via the US Mail and then they would mail me my pin -- again, another chance for some credit thief to get my personal information. When I asked XXXX the supervisor if I could speak to his manager he laughed and refused to help even when I pleaded with him that I had to buy a car to continue to keep my job. Furthermore, he wouldn't say if he was in the US or not and refused to give me the name of the operator who I had spoken with previously even when I said that I was going to file a complaint with the FTC he didn't even care about my situation and was uncooperative. I became very upset and hung up the phone and now here I am. I need my credit report unfrozen and I think that the FTC should fine Experian so that in the future they try to help their customers instead of making it so difficult to deal with them -- especially since they have such a monopoly on the credit reporting industry.

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 2017-05-28
Company: TD BANK US HOLDING COMPANY
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
X/X/17 U.S. CITIZEN LIVING IN THE U.S. - I PHONED IN A CROSS COUNTRY WIRE TRANSFER OF XXXX XXXX FROM MY TD AMERICA BANK ACCOUNT TO MY TD XXXX BANK ACCOUNT. THE AGENT DID NOT ASK MY XXXX ACCOUNT NUMBER, ONLY ASKED ME TO CONFIRM THE LAST 4 DIGITS. X/X/17 THE MONEY LEFT MY TD AMERICA ACCOUNT. X/XX/17 MONEY STILL HAD NOT ARRIVED. I CALLED CROSS COUNTRY WIRE AND WAS TOLD A TRACER WAS PLACED ON THE MONEY AND I WOULD RECEIVE A CALL FROM INVESTIGATOR IN 3-5 DAYS. GAVE ME A PHONE NUMBER TO CALL FOR " INVESTIGATION ''. X/XX/17 RECEIVED WRITTEN CONFIRMATION OF THE WIRE AND SAW THAT A NUMBER IN THE RECEIVING ACCOUNT HAD BEEN TRANSPOSED FROM 6 TO 8.
X/XX/17 CALLED THE " INVESTIGATION '' PHONE NUMBER - IT WAS FOR THE LOAN  DEPARTMENT. CALLED CROSS COUNTRY WIRE TRANSFER AND WAS TOLD IT WAS A XXXX TRACER NUMBER. CALLED MY XXXX BRANCH WHO SAID THEY WOULD LOOK INTO IT. X/XX/17 MY XXXX BRANCH CALLED BACK NEXT MORNING - SAID MONEY HIT THE NONEXISTANT XXXX ACCOUNT AND WAS BOUNCED BACK TO AMERICA.
CALLED AMERICAN SIDE AGAIN AND WAS TOLD TO CALL BACK LATER FOR SUPERVISOR " XXXX XXXX ''. CALLED BACK LATER - WAS TOLD HE WAS IN A MEETING. X/XX/17 - HAVE NEVER RECEIVED A CALL FROM TD AMERICA BANK. HAVE NOT RECEIVED THE MONEY INTO EITHER XXXX OR U.S. ACCOUNT. THIS WIRE TRANSFER REMAINED SOLELY WITHIN THE TD BANK FINANCIAL GROUP. THEY HAVE OUR FULL ACCOUNT INFORMATION ON BOTH SIDES OF THE BORDER.

Company response to consumer: Closed with monetary relief