BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-31
Company: WELLS FARGO & COMPANY
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Wells Fargo has allowed my account to be over drawn when I reported fraudulat charges. There were 2 checks that were mobile depositsted into my account whom ever commuted this fraud had a fake United States treasury check and deposited via mobile banking. My husband and myself have never used this type of banking we only have our employer direct deposit and also if it tax time the state and federal taxa are electronicly deposited. When I noticed this I reported it right away. Wells fargo told me that I have to eat the charges because only I could do mobile deposit from my phone and Noone else could. This is not true and here my husband and myself are are in hole in the amount of XXXX and we ca n't pay our bills cause we got paid the same day this happened and which was the XX/XX/17 and it is all gone. Wells fargo says all they can do is lost stole. Account info and we have to pay them back.

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 2017-10-31
Company: Dream Center Education Holdings
State: NV
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I graduated with my Bachelors from the XXXX XXXX this past XXXX and I currently owe the school directly {$7000.00}, for my last quarter. They will not release my official transcripts until this is paid in full and I am trying to further my education by applying to grad schools but ca n't do so unless I have my official transcripts. I have had a payment plan set up with the school since I have started and XXXX continue to make on time payments to pay this balance I have never been late. They are n't willing to work with me on releasing my official transcripts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-29
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted the company numerous of times to have the account information updated. That is still reporting incorrect and this is hurting my credit score. that dates should be updated from late to on time this is crazy that I have to keep going thru this with this company.They are not validating the account at all. They 're only verifying that the account is mine. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX please fix my account I dont know what else to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-12
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: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report.

to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2017-10-31
Company: AES/PHEAA
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I spoke with Pennslyvania Higher education this month and on that call I requested to arrange a lower payment or some sort of plan. I was told there were none available to me at this point. The man stated on the phone if I made my full payment in XX/XX/XXXX my taxes would not be taken from me, when i called today because they called me yesterday they stated they sent to the IRS yesterday to take my returns. I asked to speak to a Supervisor and she informed me there was nothing I could do I told her I spoke with them and siad nothing would be done with my taxes unless I missed anotherIr XXXX. which I have no idea how! I attended XXXX College in XXXX CA that is no longer there I was promissed every quarter to get on the job experience while I attended and it never happened they told me this was part of the program I graduated without every once stepping into any hands on training of any kind. I 'm currently unemployed and a single parent I 've never been able to get a job in the field most places claiming because I have no hands on experience. This student loan has ruined my life, I can never buy a home and constantly have poor credit no matter what I do. Please help me if you can. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: PNC Bank N.A.
State: SC
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 recently received a forwarded statement for my XXXX ( now PNC Bank ) credit card. The notice basically said it was going to collections and to call them. I called them on XX/XX/XXXX and discovered that I did, in fact, owe them for some charges earlier in XXXX which I was happy to pay. However, they also charged me for interest and two ~ {$50.00} late charges. My issue with the interest and late charges is that I never received notice to pay or I would have. Of course, if PNC had tried to reach me, I would have paid and not incurred one or both of the late fees and interest! When I questioned why they didn't contact me to collect prior to incurring late fees, they said that they called but I hung up and they called a second time but they didn't leave a message. It sure seems like they wanted to incur the late fees rather than let me know about it. Never once did they try to email me or try to reach me in earnest. The total bill was less than {$250.00} and I have no other debt. Anyway, on XX/XX/XXXX I spoke with someone from PNC to " settle up '' and the gentlemen agreed to waive one of the late fees so, in order to put this past both parties, I agreed to pay ~ {$170.00}. 

Fast forward to today : XX/XX/XXXX. I called PNC to get past statements for the account mailed to me for tax purposes and, to my surprise, I find out that the late fee the gentlemen agreed to waive was denied and still remains on my account. This is after him telling me I had a {$0.00} balance on XX/XX/XXXX. I asked again if they tried to call or reach me in order to collect the fee and was told, " no, we didn't '' and " you live in a state in which we can not leave a voicemail ''. The behavior is what I would expect from a XXXX XXXX  not a super regional bank. 

I appreciate the help and 'm happy to discuss more at your convenience. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-28
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Billing dispute for services

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX Reimbursement check # XXXX ( XXXX XXXX  XXXX/XXXX/XXXX XXXX Member # XXXX XXXX/XXXX/XXXX - Spoke with XXXX XXXX/XXXX/XXXX - Supervisor XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am a victim of the XXXX data breach. State issued ID have been compromised and my social security has been compromised. My postal mail was being forwarded out of state where theft of my personal information took place. 
I am not responsible for any charges made to these mentioned accounts.

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 2022-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific information in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made nor authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX A XXXX XXXX XXXX XXXX XXXX, GA 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 2022-03-12
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:
Please remove this account XXXX has placed in my credit report it is fraud and it was open with out my permission, the account is for XXXX and it was open in XX/XX/2022, I have attached a ftc identity theft report to this complaint and a copy of the account this on my credit report, this account was open fraudulently and it does not belong to me, I hired an attorney to sue XXXX, all my personal information has been leaked and exposed by XXXX, my social security number and my drivers license number and other information, the collection account is XXXX XXXX XXXX, this is a fraud account please remove,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent a letter regarding inaccurate and unknown things on my credit report. 
to this day over 30 days later I have not received a response yet I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
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 have a relative who is an XXXX at the XXXX XXXX XXXX in XXXX XXXX PA and I have been making periodic deposits into an XXXX account system called Jail ATM. I make those payments on line using my Bank of America XXXX XXXX. On or about XX/XX/XXXX, I received my Bank of America statement. I made a total of four deposits to Jail ATM ranging from {$15.00} to {$25.00}. Added to each payment is a processing fee of {$3.00}. 
I have made similar payments in the past through a different system called XXXX XXXX with the same card and had no issues. However, the recent bill classified each deposit as a " Bank Cash Advance '' and charged a transaction fee of {$10.00} for each plus a minimum interest charge of  {$1.00}. In the end, my total fee for providing the inmate with a {$25.00} deposit was {$14.00}. This is outrageous and predatory. It preys on families who are more likely to be struggling financially, yet need to provide for their loved ones with a small amount of assistance so they can make phone calls, buy food or simply purchase paper and stamps to write home. It is unbelievable to me that this is allowed to happen. 
On XX/XX/XXXX, I called Bank of America and spoke with both a representative and a supervisor. I pointed out my past experience when this was not considered a cash advance and questioned how this was any different than the contribution I made for hurricane relief on the same credit card statement. The response seemed to be that they treat this the same as my withdrawal of cash using my credit card at an ATM. The supervisor said he could waive some of the fees but not all. On XX/XX/XXXX,  I called the XXXX XXXX XXXX to determine my options for depositing funds. They are limited to credit or debit cards or depositing cash directly into a kiosk at the prison - two counties and two mountain ranges away. On XX/XX/XXXX, I also called Jail ATM ( XXXX ) and they stated their terms and conditions do state that fees may be charged but those fees are completely separate from their {$3.00} processing fee. They responded that the difference from my past experience is that Jail ATM makes the money available to the inmate within 24 hours. They do not wait for it to clear which can take days.

Attached are two Bank of America statements - one with transaction fees and one without. Please excuse my scribbled notes on the attachments.

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 2017-10-31
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
bought a bed from conn 's XXXX and have made all payments and in XXXX. of XXXX called them to make a payment and i knew i did not have a large balance so while making the payment i ask what the pay off was. they said XXXX owed so i called at the end of that week to pay off balance. about six months later starting getting calls saying i owed XXXX dollars and now it has gone through the roof. i told them to play and give me a copy of the phone recording but would not then i ask them for a copy of all payments would not give me that info. they keep calling i told them ( no lie 100 times to stop calling i had to change my numbers and they keep finding me harrising me for payment. tried to find the owner of the company but no one will give me the info. do i need to get an attorney and sue them for this. because this collecting has gone to far they even put it on my credit and damaged it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
My personal information was involved in the XX/XX/XXXXdata breach and ever since I have had multiple accounts and other personal info on my credit reports that don't belong to me and I did not in no way authorize. I have filed a police report and identity theft report. I have disputed it with all three credit bureaus and still the stuff remains like Im liable for it when I did not authorize any of it.

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 2020-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XX/XX/2020 claim was reported some items recovered at pawn shopXX/XX/XXXX XXXX dollars was paid out on this claim but on my report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
On XXXX XXXX and XXXX XXXX 2018 someone put in for credit cards/ airline to Syncb in XXXX . I have been breached and I.D theft in the past. I called them but no record of me whatsoever. So I tried to dispute with XXXX/ XXXX XXXX. But have been going back and forth to no avail. It has been 2 hard inquiries on my credit report that are not mine and hurt my score. I had around 15 items taken off so far due to Fraud.  This is also fraudulent as I have never had a credit card nor plan to.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I need to report identity theft. I already contacted the credit bureaus and the companies associated with the closed accounts that were in my name. I did not authorize Capital One in the amount of {$2000.00}, date XXXX closed XX/XX/XXXX nor XXXXXXXX XXXX in the amount of {$2600.00}, date opened XX/XX/XXXX closed XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-31
Company: SYNCHRONY FINANCIAL
State: LA
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 recently was put on as an authorized user for Synchrony Bank/Care Credit. I am not the owner of the account my significant other is. I did not give them my social security number. When I went online with XXXX XXXX I noticed that they informed me that my debt to income ratio was high. After looking into this I found out that Synchrony Bank is reporting this on MY credit bureaus. It has a note with it that I am the authorized user. But it is still affecting me. When I called them they said this is how they do it and refused to take it off. I filed a dispute with XXXX XXXX and they removed it. However I do not know how to file a complaint with XXXX or XXXX. I do not feel like I should have to do anything since XXXX is the problem. Remember I am not the owner of the account. And how did they get my Social Security number? I thought this was illegal if there is no application for credit. Please help 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 explanation
Consumer complaint received 2022-03-12
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: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

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 2022-03-12
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I was taken advantage of due to malpractice while several laws are being broken under the FCRA by your company. This has caused me financial injury, this has caused me defamation of character, i can't apply for credit, i can't rent a home or purchase one.

Company response to consumer: Closed with explanation