BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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 XXXX XXXX  # XXXX is reporting an account that is not mine. I was removed as an authorized user and this account should no longer be on my credit. I would like for this account to be removed as it is negatively effecting my credit.

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 2019-07-25
Company: Convergent Resources, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/2019 at XXXX we received a call from CONVERGENT ( XXXX ) asking for XXXX XXXX. After connecting with an operator I stated that we were a company and the operator disconnected the call 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 explanation
Consumer complaint received 2019-04-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Need to File a complaint on Transunion for failure to investigate a dispute i sent into 2 times and they claim that the account was Verifed But FCRA A CHARGED OFF ACCOUNT SHOULD HAVE A XXXX BALANCE NO MONTHLY PAYMENT HISTORY BUT TRANSUNION CLAIM THAT THE ACCOUNT WAS REPORTING CORRECTLY XXXX XXXX  ACCOUNT XXXX IS SHOWING A BALANCE OF XXXX IT SHOULD NOT REPORT A BALANCE DELETE THIS ACCOUNT TODAY ALSO NOT SHOWING THE NAME TO WHOM THE ACCOUNT WAS SOLD TO OR ANYTHING REMOVE IT 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 2019-04-13
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
On XX/XX/2019 I changed my ticket with XXXX XXXX. This change resulted in a charge of XXXX, of which {$200.00} was a change fee. According to American Express one of the perks to the Platinum card is {$200.00} statement credit for Airlines fees. This includes the change fee. However, when I called American   Express they refused to give me credit for the fee because it was not charged separately. Of course not, no airline does that. It is all one charge when you are making a change. They charge the credit card once. I said I can show a receipt showing the charge but the agent refused. The receipt is attached and shows fees paid of {$200.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-11
Company: WELLS FARGO & COMPANY
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: Account status incorrect

Complaint:
I 've applied and was approved for a business loan in XXXX 2016 through Wells Fargo with a promise by the business banker that after 3 months I could get a refinance through Wells Fargo. Several months into the loan, I found out that Wells Fargo wrongly reported to the credit bureaus that my business loan account was delinquent by two months or missing two payment, but the truth was that I had been paying the account on time and in good standing. I later reached out to them to rectify the problem, but it took them nearly six months before they could fix the issue. Throughout that entire six months period, I was unable to secure additional financing for my business, which led to a snowball effect of debt accumulation and missed opportunities for the business. Although the wrong report on the credit profile has been fixed, our company suffered much damage, which led to our inability to pay for our other business credit cards and personal credit cards and a direct impact on both my business and personal credit reports. I have asked for a compensation and submitted evidence of denial of credit, but Wells Fargo Business Direct resolution team refused to budge and even sent us a lawyer letter.

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 2019-07-25
Company: Opportunity Financial, LLC
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Upon Discovery through my credit reports, discrepancies have been found due to inaccurate credit reporting done by Opp Loans, to XXXX, XXXX and XXXX. I discovered over 34 Errors. Which indicates that OPP Loans broke the law by violation of FCRA LAWS. In Pursuant to FCRA 611 ( 15 U.S.C. 1681I ) I have found Error and Are pursuant to recover damages in small Claims Court. I have suffered defamation of character personal/emotional injury having my finical freedom impacted by their willful noncompliance. My discovery of their errors on my credit reports were discovered by myself on XX/XX/2019. On XX/XX/2019. I sent to letter on Opp Loans via Certified US Mail, inquiring about the account reported to the Credit Bureaus. They responded XX/XX/2019 sending me a summary of the account and none of the information I requested for Validation. They have added a new line of credit while in dispute which is detrimental to character. They contacted me Via Phone XX/XX/2019 apologizing and admitting their mistakes, unfortunately my credit has already been challenged and they have not issued this apology in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-09
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is a follow up to my previous complaint regarding ARS Account Resolution 's ( ARS ) reporting of a medical bill on my credit reports. I have sent several disputes and requests for validation to ARS and the credit bureaus. However, ARS has failed to validate the debt, and stated in their response to my prior complaint that they are not obligated to send a signature or detailed statement. However, section 809 ( a ) ( 4 ) of the Federal Debt Collection Practices Act states that if the consumer notifies the debt collector that the debt is disputed, 'the debt collector will obtain verification of the debt or a copy of the judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector '. The same is re-stated in section ( b ) of the statute under the heading " disputed debts. '' Therefore, it is not enough for the debt collector to verify the debt themselves, they must also provide a copy of that verification to the consumer. Since ARS has not provided a copy of said verification, they can not continue to report this debt.

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 2018-01-11
Company: Ad Astra Recovery Services 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: Investigation took more than 30 days

Complaint:
Completed online dispute with the credit reporting agencies on XX/XX/XXXX. Currently still showing the disputes are in progress to-date. Below are the accounts that are in dispute : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX {$480.00} AD ASTRA RECOVERY SERVIC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX {$1200.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX, OH XXXX {$290.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX {$340.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX {$100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
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:
EXPERIAN, XXXX AND XXXX HAS AN ACCOUNT ON MY CREDIT REPORT THATS NOT MINE.. 

ACCOUNT : XXXX XXXX XXXX NOT MINE

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 2017-10-09
Company: AFNI INC.
State: OR
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: Problem with personal statement of dispute

Complaint:
I cancelled XXXX XXXX summer of XXXX due to their system being unreliable. I paid the final bill which i have a copy of and also returned their equipment. 

They said if had to pay {$290.00} additional for cancelling the contract before end of term. I told them since they could not supply reliable stable service they had breached their contract. I told them i would pay the final bill of {$110.00} and return their equipment. Which it did. 

they turned me over to a collection agency which has been harassing me for several months now. They reported me to XXXX and they placed a derogatory item on my credit report. 

I asked XXXX to remove the item as I do not owe XXXX XXXX anything. XXXX owes me {$1000.00} rent for leaving their antenna on my roof which they have not removed after several written requests. 

I asked XXXX be required to remove the item and their collection agency be ordered to stop calling me. The agency is : AFNI, INC. 

Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ( XXXX ) XXXX Account Number : XXXX I also want XXXX to pay me {$1000.00} rent for their equipment on my roof they have failed to remove. 

Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-09
Company: FIRST NATIONAL BANK OF OMAHA
State: TN
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:
Never received my sign up bonus for my First National Bank of Omaha Travel Elite card. 
Contacted company but never received the account bonus.

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 2019-07-25
Company: CrossCountry Mortgage LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
On XX/XX/XXXX I provided XXXX XXXX of Cross Country Mortgage of XXXX, FL all of the required information needed to receive a loan estimate. When I got a loan worksheet I was disappointed and asked specifically for a LE to ensure the prices would be locked in per the CFPB requirements on prices changes. I was told that their company doesnt provide LE until the entire approval process is completed ( he specifically said close the loan ). This is against CFPB policy, a waste of my time, and predatory since they can still change the pricing all the way up to the loan closing. This is exactly the reason the rule is in place. CC Mortgage is trying to take advantage of unknowing buyers. What can be done to stop this behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-25
Company: CrossCountry Mortgage LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I'm a borrower of Cross Country Mortgage at the XXXX XXXX located on XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I'm a young XXXX  also in XXXX trying to buy my first house. 

Unfortunately, my mortgage application has been poorly managed by the branch above and I am about to loose a good deal on a condo in XXXX because of this. 

My case has been delayed and closing date rescheduled due to the inefficiency of the assigned underwriter. 

My case was finally assigned to a more senior underwriter today and it seems that the documents part are now cleared out. 

As of now, I still do not know if I'll have a closing by Monday or not. This delay already caused me financial loses, and the seller will not extend the closing again if I do not have a closing by Monday at the latest. 

I tried reaching out to the branch manager XXXX XXXX however the phone listed on his website does not work. 

Also, the email compliant address given by the company does not work. 

Please, if you can kindly assist with this matter it would be truly appreciated. 

Best Regards, XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
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: Card was charged for something you did not purchase with the card

Complaint:
I received a credit card statement in the mail from Bank of America. It has my name and address on it, however I did not open the card. I am guessing a fraudster got my information from the XXXX Breach.  The card has been used and there is a balance of {$1000.00} on it. I called B of A on XX/XX/XXXX to report the fraud. I have received nothing in the mail acknowledging the receipt of my claim and no resolution. I have called the company 4 times and have received various answers as to why I have gotten nothing in the mail and have been told that they have 60 days to resolve it. In the mean time this is getting reported to the credit bureau late as I am not making payments to an account that is not mine. I thought per Reg. E they had 10 business days to respond to me and at least acknowledge my claim. Also their verification procedures are terrible. The account should be flagged for fraud and they verified me with my name/address and DOB, which is what the fraud person used to open the account in the first place.

The sense of urgency on this is completely lacking. I would appreciate any help in getting this resolved. 

Thank you- 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 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
XX/XX/XXXX DIDNT GET NOTICE UNTIL XX/XX/XXXX - XXXX In accordance with the Fair Credit Reporting act XXXX Account # XXXX ( OPENED XX/XX/XXXX ), has violated my rights. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX ( OPENED XX/XX/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

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 2019-04-13
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:
I have an Credit Card from Capital One. credit limit was {$3000.00}. XXXX I used the card up to {$3000.00} and was paying minimum payment due. the card was stopped by company and account closed. I was still paying minimum due. Suddenly I received the statement for {$6000.00} I called Capital One representative to enquire about the charges and requested that how some one can use closed account card and over the credit card limit and use it for {$3000.00}. I requested for an inquiry. Which they promised that they will start an inquiry. 
In between I called Capital One many times every time I got the answer that they are inquiring the case. Now I got a letter from collection agency that they represent Capital One and I should pay the amount otherwise they will take me to court. I called collection agency 's agent XXXX  XXXX on XX/XX/XXXX and explained to him everything but he threatens to take me to court. 

I need your help in solving this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
FedLoan Servicing ( PHEAA ) has begun ignoring my payment instructions yet again. This is the fourth CFPB complaint I have had to file because this company refuses to follow my payment instructions. My standing payment instructions were attached to my last CFPB complaint, and FedLoan Servicing has acknowledged receiving these instructions and agreed to follow them as part of my last complaint. The most recent example of incorrectly applied payments is my XX/XX/XXXX payment for {$360.00} that was applied to my loans on XX/XX/XXXX. I called them about making a payment, and they said I could still mail in a check with a note while my loans were in deferment. So I mailed a check on XX/XX/XXXX with a note to apply the payment according to my standing instructions. Instead of applying {$5.00} to the entirety of the outstanding interest on all the loans and then applying the rest of the payment to the principal of the loan with the highest interest rate and lowest balance ( Loan Sequence 3 at 4.66 % ), they applied the entire payment to only 2 loans : Loan Sequence 4 at 4.29 % and Loan Sequence 1 at 3.86 % It looks like FedLoan Servicing ( PHEAA ) may have incorrectly been using  the temporary interest rate of 0.00 % instead of using the actual interest rates on my loans when they applied this payment to the loan principal, and they didn't apply they payment against the entirety of the outstanding interest before applying money to the principal, as they state they do. 

I have attached 3 documents : the instructions I sent with my payment on XX/XX/XXXX, my account history from XX/XX/XXXX showing outstanding interest of {$5.00}, and the XX/XX/XXXX payment history details for my XX/XX/XXXX payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have had ongoing issues with the XXXX credit card issued by Synchrony XXXX. 
On Wednesday, XX/XX/XXXX I received an email alert that my automated recurring payment was not received. 
Today, XX/XX/XXXX I called the customer service number on the back of my credit card. 
It was a prerecorded line that had only sales pitches for an endless number of products and companies. 
I called the number again to make sure I did n't misdial. 
I had the same result. 
I went to the website and there was a different customer service number. 
I called that number and was connected to " XXXX ''. 
I explained the issue that I was signed up for automatic, recurring payments and that I did it the same day of my last phone call to customer service. 
" XXXX '' at first said he did n't see that I had signed up for automatic recurring payments and asked me unrelated questions. I explained the steps I took again and said that I can see my bank account number listed for my account on the website. 
He put me on hold for several minutes then came back and said that I did sign up for recurring automatic payments from my bank account but that it would take 1 to 2 billing cycles for it to take effect. I told him I thought that was ludicrous and poor customer service, then I asked him to remove the late fees and finance charges so I could pay the purchase balance in full. He then hung up on me.

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 2017-10-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Card was charged for something you did not purchase with the card

Complaint:
I am rewriting my complaint as the system threw me out and when I signed back in, there was nothing saved here as there is no draft system. Kindly create a draft system here so I wont have to waste another hour. 

I will have to keep it much shorter than before this time. Capital One did not look into a fraudulent card activity I have been asking them for the past 6 months. When provided with all the evidence initially, they stated only recently that they did not receive all of my XXXX documents 6 months ago and neither is there a way for a customer to verify how many documents were successfully sent since they have to be sent on their software upload system and not by email directly. 

Just recently XXXX 12 days ago ) they informed me that they did not receive all documents 6 months ago, hence why they keep favoring the merchant that is causing the fraud. Then they asked me to resend the documents individually per every email upload system. After successfully doing that, they then called me 3 days ago and said they are closing my entire complaint because I ran out of time and awarded the merchant to continue with their fraudulent activities. XXXX was the company involved that took out money from my account without my permission and never responded to my complaint even when asked 4 times. Then at XXXX point they even promised to reimburse me the money but then when they found out that Capital One is not investigating them long enough ( based on incomplete documents perhaps XXXX, then they also stopped responding to me.

Company response to consumer: Closed with explanation