BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Good day, Recently i have started to see that 3 credit card accounts opened under my name in United States, however i left United States in XXXX of XXXX, below is recent information from XXXX form which you can also check ( XXXX XXXX XXXX XXXX XXXX ) Most Recent XXXX Results For : XXXX XXXX Most Recent XXXX Admission ( XXXX ) Record Number : XXXX Most Recent Date of Entry : XXXX XX/XX/XXXX Class of Admission : XXXX Admit Until Date : D/S Details provided on the XXXX Information form : Last/Surname : XXXX XXXX XXXX Given ) Name : XXXX Birth Date : XXXX XX/XX/XXXX Passport Number : XXXX Country of Issuance : 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 2020-06-26
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NM
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hello, This week, i have been challenged by USAA to provide my income level, and my total net worth, and asked if I am a member of a foreign army or government. 

They veil this as " US Patriot Act '' and its the law. The US PATRIOT act doesn't call out anything about personal income, nor Net worth. Especially due to the fact that I've been banking with them for four decades, how would I be under this " alleged '' scrutiny anyway being a natural born citizen.

They threaten that if in the 3 logins allowed, now they have provided this web pop up stating that I will lose all my online access to my accounts unless I comply. It's a 100 % online banking entity. This is essentially stealing my money by disallowing me access, to the money I rightfully earned and own. 

Please help. They have a recent and even extended history of bullying and forcing their patrons into positions of financial disadvantage, and even illegal activity. 

Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04
Company: DISCOVER BANK
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello, My name is XXXX XXXX. 
I had a discover card around XXXX and missed two payment because my bank account was in overdraft in XXXX and XXXX of XXXX. These late payment occurred to the financial hardship that I had as a college student. Therefore, I would like to know if they could be removed. 
Thank You, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-28
Company: WESTERN ALLIANCE BANCORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
Hello, I'm XXXX XXXX i have been filling for my Benefit, but I've never receieved my CARD to be able to access my Funds, i've placed several calls through for months now it's been same .I 'm way to old for this stress please help resolve by shipping my card through o address.

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 2018-06-12
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I made a manual payment early to FreedomMortgage.com which is the new company that acquired our original mortgage. Days later the mortgage company 's auto pay system tried to take the same standard payment after already receiving our first payment. Since the money was already taken through the manual payment, the mortgage company hit us with an Non sufficient funds fee not realizing they already had the money. I called the customer support line several times to get the fee waived and they told me this was not an error on their end and they refuse to waive the fee. They basically penalized us for paying our payment early and are now trying to charge us fees on top of our monthly payment. Their customer service was the most unprofessional rigmarole I've ever experienced. They refused to let me speak with anyone higher up than a supervisor and said the decision was made by a part of the company that does not interface with clients. Every time I called, they made my husband verify I was allowed to speak with them even though I'm co-signed on our mortgage, then when I would get forwarded to a supervisor I would get their voice mail. When I finally reached a supervisor they said I should know how their auto pay system works and that they clearly state this information in their terms. I reviewed the auto pay terms and no where does it say that the system will continue to take multiple payments after a manual payment is made. We've had credit cards and other accounts with auto pay for over 20 years and every system recognizes when a manual payment is made and does not try to take the money again. The scary part is that they basically can hit us with whatever fees they'd like at whatever time and we can't do anything about it. Why shouldn't we be able to choose our mortgage company the way we choose any other service. These companies are corrupt and are not held accountable because their customers can't go to the competition if their not happy.

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 2020-09-24
Company: Conduent Incorporated
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a card issued by XXXX for post adoption subsidy through the Eppicard service. I recently just couldnt use my card. I cant check the balance, nothing. I was referred to the fraud department and have not heard anything for a week. I have waited on hold for over an hour and still am unable to reach anyone to resolve this issue. There should be someone to help with issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018 I was charged XXXX dollars overdraft fee because my account was overdrawn by XXXXXXXX XXXX. I noticed the fee but I didn't call until XX/XX/2018 when my checking account was hacked and had an unknown charge so I also complainted about my overdraft charge.

I spoke with a manager named XXXX who told me that the charges couldn't be removed. I told him that I have 3 other accounts in Fl banks and I have never seen this happened. Particular one of the banks told me the couldn't charge a customer for less than a dollar. XXXX   told me that there was not law that prohibited him to charge the account if it was not covering the full balance and that my charge was staying on the account.

I have proved of the bank statement as well as a picture of the mobile site and the account was only XXXX XXXX under. I am not sure if this a case that can be investigated, but in my opinion this is an abuse to a customer. I attaching a picture for your review. 

Please help!

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 2018-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Re Account ending : XXXX My XXXX account was charged numerous overdraft/extended overdraft fees, returned check fees, overdraft transfer fees as a result of a stop payment on a check issued by Capital One in the amount of XXXX. I have attached statement copies to this complaint showing a total of fourteen ( 14 ) overdraft fees, a returned check fee in the amount of XXXX, an overdraft transfer fee also in the amount of XXXX. The total is XXXX in fees, these need to be refunded back to my account, a check sent for difference. A XXXX XXXX with Capital One insists a second check issued in the amount of XXXX on XX/XX/XXXX, cashed by a XXXX XXXX, lives at my address when she in fact does not. The statement will show I was in XXXX XXXX during the time the check was sent on XX/XX/XXXX, it was not signed for by myself which is fraud. I did not receive the funds, Capital One still owes me the amount of XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-11
Company: ProCollect, 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: Their investigation did not fix an error on your report

Complaint:
I began disputing a collection account in writing as of XX/XX/2018. The collection company ( ProCollect ) called me on a saturday afternoon ( I had not received anything in writing that there was anything to dispute ). The agent was told not to contact me further, and she states, " I will keep calling until you pay your debt -- all calls should be recorded ).

The first collection letter from ProCollect was billed for {$1700.00} ( an amount submitted by XXXX  XXXX/XXXX  ).

After I began my dispute with the 3 credit bureau giants, XXXX made an adjustment to reflect {$910.00} on my credit report as of XX/XX/18. 
I submitted emails the XXXX  and evidence that the property management company ( XXXX XXXX/XXXX  ) admitted the were wrong to bill me for rent when they already had lease on the unit as of XXXX  XXXX. The landlord-tenant laws states a company can not try and collect rent plus reletting fees if another tenant is living in the unit of the prior person. I have made several attempts to have the collection account removed based on these facts, but XXXX, ProCollect and XXXX XXXX have refused to respond or make proper adjustments.

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 2018-12-11
Company: Paypal Holdings, Inc
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We are a small non-profit corporation with a PayPal account. We have been unable to download any reports from our account for more than two months. 
XX/XX/18 sent an email via " contact us '' link on the company 's website ; no reply was received. XX/XX/18 had an online " chat '' with the company 's representative who said he couldn't help. 
XX/XX/18 tried contacting the company again through its " contact us '' link ; no reply. XX/XX/18 had another online " chat '' with " XXXX '' for over 30 minutes. XXXX couldn't help and toward the end of the chat, gave a website for the company 's support office. That website was not correct ; the company changed it two days prior to XX/XX/18. 
XX/XX/18 contacted via the website and received an email from XXXX at PayPal. XXXX requested a screenshot of our account report page in order to determine the problem ; it was sent to him. On XX/XX/18 received an email that the case was closed! However, we still can not download reports and can not reach a responsible person at PayPal to fix the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I've reported that this company is using a false " opened date ''. They are not allowed to use the date that they purchased the delinquent account, as per federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-31
Company: Navient Solutions, LLC.
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Tried go into an income based or pay as u go repayment plan and they kept advising to go into forbarence and now loan is twice as much.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: WELLS FARGO & COMPANY
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to 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 non-monetary relief
Consumer complaint received 2020-08-01
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a letter on XX/XX/2020 from IC systems stating I have a balance of {$450.00} from XXXX. On XX/XX/2020 I sent a certified letter requesting verification of this debt. I asked for various information such as name and address and All the information they have on the debt. I have not received any reply on my request, I have been told if they dont reply within five days the debt is no longer valid.

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 2021-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
So recently I checked my profile ad I found out items that do not belong to my activity. I mean I do not know these items and I have never been connected with these accounts. So I am asking you to delete them from my credit report because they are killing my score and as a result I have financial issues now.

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 2021-08-13
Company: EQUIFAX, INC.
State: GA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: Experian Information Solutions Inc.
State: IL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than XXXX times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2021-08-13
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am seeking to validate and verify this alleged debt. This alleged debt is reporting on my consumer report and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, 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: Was not notified of investigation status or results

Complaint:
Last XX/XX/XXXX of this year, I sent a letter regarding inaccurate and unrecognizable accounts being reported on my credit report. It has been more than 60 days, and I haven't received any response from them and the accounts are still on my credit report. I am more than frustrated at this point. The law clearly states that an investigation must be had for these accounts that are being disputed and failure to do so within 30 days or more will result in the removal of those accounts. This is plainly in violation of the law at the expense of me and my peace. I demand that the accounts be deleted immediately or I will file for a lawsuit and seek compensation for damages. In addition, my information was also affected by the Equifax and XXXX data breach and may have gotten to the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: EQUIFAX, INC.
State: PA
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 asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-24
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:
My student loans are currently being services by Pennsylvania Higher Education Assistance Agency. I have had several periods of " qualifying employment '' through the Public Service Loan Forgiveness program. I believe that PHEAA has overcharged me, which results in payments that carry over into the next billing period and result in fewer qualifying payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-17
Company: Experian Information Solutions 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: Old information reappears or never goes away

Complaint:
I settled three accounts that were charged off and reporting negatively. I was told by each creditor or account holder the accounts would be removed within thirty days.

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 2017-08-07
Company: The CBE Group, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX is attempting to collect a balance that is incorrect. Consumer will state further details after receiving a response from the company.

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