BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-23
Company: ORG GC GP Buyer, LLC
State: GA
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 original student loan debt is owed to the XXXX XXXX XXXX XXXX, and I contacted them years ago disputing the balance of my student loan, which at that time was {$7100.00}. Unfortunately, my student loan account was never reconciled by XXXX ; however, my account has been transferred to numerous ( XXXX or XXXX XXXX collection agencies over the years, and each agency has added on unethical collection fees and interest. The present owner of my student loan is XXXX XXXX XXXX XXXX, and total principal and interest was noted as {$16000.00} in XX/XX/XXXX. I have spoken with several representatives of XXXX in attempts to rectify my account, but I was informed that collections are handled by GC Services Limited Partnership, XXXX XXXX, XXXX, TX XXXX. In XXXX, I paid {$2500.00} in student loan interest ; in XXXX, I paid {$5700.00} in student loan interest to XXXX. 

I submitted a settlement offer XXXX XXXX XXXX to GC Services, but I have not heard from them, and I have not received any written communication from XXXX or GC Services since XXXX ( the midst of the coronavirus epidemic ). Is it possible that the recent natural disaster in Texas which left millions without power and clean water has affected standard ethical business procedures for many corporations doing business in Texas right now? 

Yesterday, XX/XX/XXXX, my employer informed me that garnishments are to resume in 3 days for approximately {$700.00} per month. As most people, I have experienced financial issues during this world-wide epidemic and it would cause me great hardship during this time to pay {$700.00} each month. I was under the understanding that student loan collections are still on hold due to the XXXX pandemic and I'm requesting a moratorium on my student loan, as directed by President XXXX in XXXX orders and/or other legislative agreements made during this pandemic.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This debt was charged off. The last activity on this account was in XXXX which is beyond the statute of limitations to collect on this debt. Once charged off this company increased the amount of debt they were collecting on and continued to report to credit bureaus in XXXX. This debt needs to be removed immediately as they are no longer able to collect on this debt due to the statute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: Paypal Holdings, Inc
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX I received an email from venmo about my account triggering some security alerts. They temporarily restricted the account for the day and no other email was sent about why it was being restricted. Then on the XXXX I get email stating I need to update this and that which I had just received a new card at the start of the month which makes no sense all my stuff was already updated but then they send me emails stating I'm signing in with a new device which I've had this device for over 6 months. Now they want to tell me with no explanation that my account is suspended and have to wait over a week to here from them via email by an account specialist. I have two direct deposits I can't touch and {$400.00} in the account and no one wants to help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-14
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 have ask Experian numerous times for Experian to show me a signature that I was the one to open XXXX XXXX loan I have told them over and over that this account was not opened by me by law they must send me proof meaning a signature. This is not mine called a lawyer he stated for a loan Experian must provide a signature or delete from credit report. They have this loan as XXXX balance charged off

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 2017-08-11
Company: AMERICAN EXPRESS COMPANY
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have the American Express Business Platinum card ; a card that carries an annual fee of over {$400.00}. The reason I pay that huge amount is to be able to use my Membership Rewards points to book travel on XXXX. However, I have not been able to book online on the website. I have tried going so twice ; once about 4  months ago, and again on XX/XX/2017. Every time I try to book a flight on XXXX, COMPLETELY covering the travel with my membership rewards points, the final screen says payment failure and I am unable to book. I have called in, and the travel team has indicated that this is a known problem and they are " working '' on it. They can book it over the phone, but it is an incredible hassle and waste of time waiting for them to answer the call. Moreover, the " amex member '' pricing, which gives a discount on the published fare for booking with points, is not accessible to the phone representative. THAT IS NOT AN ACCEPTABLE ANSWER FOR THIS PRODUCT ; this is clearly illegal and misleading advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
On XX/XX/XXXX, I wrote a check to XXXX XXXX in the amount of {$1000.00}. The check was deposited into his Bank of America account that day. 

On XX/XX/XXXX, this person found the check and scanned it thru the Bank of America app and they withdrew the money from my account again. 

Almost a year later, and the same exact check was paid. 

You can see it in the attachment. I need my {$1000.00} back today.

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 2021-04-27
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Called company XXXX XXXX XXXX XXXX on XX/XX/2021 @ XXXX Eastern Daylight Time to make payment or further arrangement and still received no response via letter as requested after discussion promise of response being sent written in the mail. Company needs to follow up on this as I called today ( XX/XX/2021 @ XXXX EDT and the representative continued to press me to disclose the phone number after Midland Credit Management already agreed to send requests and correspondences via mail. Representative continually put me on hold and then eventually hung up after XXXX XXXX of being on hold. Company supervision needs to reach out to me as they have promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Square Inc
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was buying a laptop online and she said i need to pay her before she sends it and then I sent {$70.00} to her after that she said she already sent it but didnt give me any tracking number and now shes not responding

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Bread Financial Holdings, Inc.
State: OR
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 have not been XXXX XXXX since XXXX. This arrived at my parents address recently! XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Almost my entire credit report is missing. Dozens of accounts, inquiries, etc. that were once on my Experian report are now completely missing when I pull a report from the Experian website. This may be the result of my file becoming too large and it splitting into two, which would need to be rectified immediately to make it whole into one again. Otherwise, I would need an explanation as to why Experian arbitrarily deleted all this information.

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 2020-09-05
Company: NEW YORK COMMUNITY BANCORP INC
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XX/XX/2020 @ XXXX I called XXXX @ XXXX to get the automated customer service center to check my savings account transactions. I've been expecting a large sum of money and wanted to find out if it was deposited or not. When I went threw all the prompts including my access code/pin # it kept coming up incorrect. I called again and waited for a Rep. I was told that a new system was imposed a few months ago and that I had to set my pin again. She said in order to do so I had to use the first two numbers of my birth month and the first two numbers of my birth year to get into the system and then I can use my old number if it was within the guidelines which it was. I called again and did as instructed and it didn't work again. I called back again and had to wait approx. 15 minutes to talk to a Rep. He said that because it didn't work I needed to speak to a Tech who would correct the problem and that  someone would call me back. I asked how long and was told by XXXX closing time. No one ever called back and I need to know if the money was or wasn't deposited so I can go back to that company with a possible complaint. I was on the phone over a half hour and accomplished nothing. I told them I was seriously considering transferring my account elsewhere. This is not the first problem I've had with them. call ended XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Southwest Credit Systems, L.P.
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:
I received a notice on XX/XX/2020 from XXXX, a credit monitoring service, that a derogatory report appeared on my credit report and that my credit score had decreased. The company making the report appears as Southwest Credit Systems on my Experian credit report. The derogatory report appears as XXXX  XXXX XXXX on my XXXX XXXX report. I have not received written notice of any debt owed either to Southwest Credit Systems or XXXX XXXX XXXX. As such, I have never been given an opportunity to dispute said debt ; however, a derogatory remark appears on both my XXXX XXXX and my XXXX  credit reports. On XX/XX/2020, I disputed the derogatory report with XXXX. On XX/XX/2020, I attempted to dispute the derogatory report with XXXX XXXX, but XXXX XXXX website did not afford me the opportunity. Under the Fair Debts Collections Protection Act, I have the right to be informed in writing of any alleged debt owed and I have thirty days to dispute that debt. I have been denied both of these rights. Furthermore, I am not in arrears for any debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX IS REPORTING A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX ) ON MY CREDIT FILE XXXX HAS BEEN TOLD THAT THIS ACCOUNT IS FRAUD. EXPERIAN ALSO HAS A FRAUDULENT ACCOUNT ( XXXX XXXX XXXX XXXX ACCOUNT NUMBER 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 2019-06-04
Company: Fidelity National Information Services, Inc. (FNIS)
State: MI
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: Personal information incorrect

Complaint:
XXXX wrote me that my Social Security number is inactive due to death! I am alive!

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 2020-05-22
Company: Experian Information Solutions 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 have several items on my credit report that are not mine. I noticed it because I recently applied for a credit card and I wasnt approved so it prompt me to check my credit report. These items listed are not mine and need to be removed.XXXX XXXX {$130.00}

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 2021-01-28
Company: Experian Information Solutions Inc.
State: OH
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:
PLEASE SEE ATTACHED RECEIPT FROM XXXX. XXXX - ACCOUNT PAID IN FULL

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 2017-08-10
Company: JPMORGAN CHASE & CO.
State: HI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XX/XX/XXXX- Paid our account in full in Good Faith using my Trust Account at the Federal Reserve Bank which has my name on it and my Social Security Number. Payment processed and posted on the same day. No notification sent to us of any problem. When I checked the account a few days later, saw that the payment was " Returned ''. I immediately made another payment using my personal bank account. Payment was actually made earlier than the due date. That payment processed, no problem. XX/XX/XXXX- Received letter from Chase in mail stating our account was closed due to a " recently returned payment.. '' and that XXXX provided them with the information that influenced the decision???? The letter was from Chase 's Risk Department. My wife phoned the Risk Department today while I was working and was told that even though we were in good standing, the account was closed and is irreversible due to the returned payment from XX/XX/XXXX. In the middle of her conversation, something happened with her cell phone where the agent at Chase could no longer hear her speaking..?? The authorization I gave Chase for her to speak on my behalf is only good for 24 hours, so that was the end of that conversation. Per the Board of Governors of the Federal Reserve Bank 's RULES & REGULATIONS regarding ACH payments, all ACH payments are immediate, final and irrevocable. The Federal Reserve Bank should not have " reversed '' my payment, nor do they have the authority to use or stop any payments on my Trust Account. As a result of this, Chase bank closed my account and will not consider re-opening it. They deemed it a " Risk Concern '' and closed without checking it out. Per HR192 enacted on XX/XX/XXXX, it is our birth right to discharge debts using this Trust Account and I have acted upon this information given to me IN GOOD FAITH. On a side note, Chase closed my account TWO WEEKS AFTER the returned payment and then, on XX/XX/XXXX, entered a " Purchase Interest Charge fee '' of {$220.00} -- AFTER they closed my account. The whole thing is very suspicious and the fraud risk evaluation needs to be done on their bank, not on me the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: RD Fuller Company, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I enrolled a debt from XXXX XXXX into a debt consolidation company ( XXXX XXXX XXXX, XXXX ). The debt is almost paid off and my XXXX payment is {$19.00}. I received a call from XXXX XXXX XXXX today, XX/XX/XXXX stating that they reached out to the debtor who was originally XXXX ( previously at XXXX XXXX XXXX ) to get the final payoff amount for my last payment and they were told they do n't have my case anymore and it was sent to XXXX XXXX and that I, the customer had to call as they would not release information to my debt consolidation company. This debt has been getting paid through XXXX XXXX XXXX since XX/XX/XXXX. I called XXXX XXXX XXXX at XXXX XXXX. at XX/XX/XXXX spoke to XXXX. XXXX stated that the account went back to XXXX XXXX on XX/XX/XXXX. I was told to call XXXX XXXX, XXXX ; reference # XXXX When I called XXXX XXXX, the recording says XXXX XXXX ; spoke to XXXX at XXXX XXXX and told me that the account was sold back to RD Fuller RD Fuller XXXX I called RD Fuller and spoke to XXXX at XXXX XXXX. at XX/XX/XXXX I told him what property I lived at and the state as requested for the property I was in debt to. I told him that my account was in debt consolidation and I 'm trying to find out my balance. The first thing XXXX asked me was if I had a problem paying and if I had a job. After I said, " excuse me, '' XXXX then put me on hold. Then I was told that the account is closed due to timing and age of account. I was then instructed to call back in a week if I do not hear anything back from them and to speak to XXXX XXXX. XXXX told me that my account balance was {$1900.00}. I received an email from XXXX XXXX at XXXX corporate office that stated in XX/XX/XXXX that my balance upon move out was {$1500.00}. As of XX/XX/XXXX, my balance owed was {$410.00}. XXXX XXXX sends {$50.00} a month to this debtor after the XXXX of each month. {$50.00} a month through XX/XX/XXXX pays down the balance to {$19.00}. I want my account paid off in full and trying to get my letter of satisfactory so I can rent an apartment elsewhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/2020 a filed an dispute with Equifax, on these two accounts XXXX XXXX XXXX, and ohio department of human services. Which they said it was verified, but I didn't receive any validation letters, so I sent another dispute on XX/XX/2020 asking to reinvestigate and show me how they validated both accounts. There are no contracts, no original signed document. I haven't received any information to show these accounts can be reported on my credit. According to the FCRA. I have uploaded pictures showing they can't locate consumer account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
The need to REMOVE themselves from my credit report IMMEDIATELY!!!!

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 2020-07-04
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company was paid in full and they are still reporting account as delinquent which is against the Fair Reporting Act. Their negligence towards consumer creditability is disgusting as if they are deliberately putting false information on people credit reports and they should be investigated for these practices.

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 2020-09-05
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: Investigation took more than 30 days

Complaint:
I sent Equifax the attached letters over 30 days ago now and they have not responded. I have a BK that is over 10 years old that I want removed bureaus because it has past the statutes of limitations and is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The XXXX XXXX XXXX hired the XXXX XXXX XXXX to handle all its defaulted loans. The XXXX XXXX XXXX is reporting inaccurate information because they received files from XXXX XXXX which is the original loan holder. My loans are fromXX/XX/XXXX and XX/XX/XXXX and they are older than seven years but still want to report them on my credit file

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