BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: U.S. BANCORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
To whom this may concern ; We were on the plan with US Bank, that allowed us to go 12 months without payment due to COVID relief ; which helped tremendously due to having young school age children being taught at home and reduced hours. Once the plan was ending in XX/XX/XXXX, we called US bank to discuss arrangements to move forward. We spoke to several representatives that advised us that the plan was still active, and that we have to wait until the plan was removed from the account. After calling multiple times, and being told to call back. The plan was finally cleared early XXXX, I called and spoke with a representative who automatically placed me on a partial claim, After receiving and looking over the documentation I realized that I did not agree to that. So, I called back and spoke with another representative who advised me that I would have to wait, for XXXX bus days for it to be removed and can call back to be reviewed for another plan. So, I called back again and was advised that I would have to call back in 10-15 bus days, as it was not cleared as of yet. So, after calling back a few times, the program was finally cleared- and we could be review again. The representative advised that I qualified for a Modification, and advised that it would go into effect on XX/XX/XXXX. Once I received the Modification agreement which is scheduled to go into effect on XX/XX/XXXX. After looking at the documentation, I noticed that there is a partial claim that was not discussed during our conversation with the representative when we agreed to accept the modification around the end of XXXX. We were advised that the default amount of {$26000.00} was going to be capitalized at the end of the loan. 

So, we called today XX/XX/XXXX to discuss this issue, and was advised by the representative if we do not like the modification to request that it be cancelled, since it can not be amended in order to be reviewed for all of the modifications available to me that we would have to send an email to cancel the modification with the partial claim program. Trying to get back on track with US Bank has become an extremely frustrating ordeal. None of the representatives are consistent with the information that has been provided. 

The initial agreement we were placed on was also a partial claim, and we specifically advised that we did not want a partial claim ; due to if the property is sold in the future that amount would become due an owing. 

We need to speak with someone with the knowledge and expertise to ACTUALLY ASSIST US with this matter, and we are not getting any results.

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 2018-02-09
Company: Bread Financial Holdings, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
COMPLAINT REGARDING : XXXX XXXX XXXX XXXX XXXX, oh XXXX I applied for XXXX XXXX credit card through XXXX XXXX which insures my XXXX vehicles and personal residence. 

XXXX XXXX  XXXX XXXX, Ohio has illegal reasons for denial of credit for credit worthy customers. They cits a secret risk score known as behavior risk score which I have never seen before. They are listed all over on the internet Ripoff reports and businesses where consumers had the worst experience. 

XXXX XXXX  denies me credit card despite my household income north of {$400000.00}. My FICO score is exceptional and has no delayed payments. I am a responsible consumer. 

I believe that bank uses discriminatory lending practices based on age and foreign last names despite the fact that I was born in United States and enjoy a financially stable life. 

XXXX XXXX has a very poor record of charging its customer predatory fees which you can see by going to XXXX. 

It is my belief that I was denied credit based on false assumptions of underwriting department regarding my last name and my actual age which is greater than XXXX despite the fact that bank if required under Ohio state laws to make credit equally available regardless of race, religion, sex or age as long as consumer has the ability to pay its obligations. 

When I called the bank today at XXXX, the representative tried to confuse me and wont give me a phone number to allow communication to occur. Their letter of denial lacks this number as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-10
Company: Maximus Education, LLC dba Aidvantage
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
XX/XX/23 - Call Aidvantage customer service to get a refund on my negative account balance. Agent tells me that the loan is paid off and does not exist anymore. Tells me to call university. 
XX/XX/23 - Call Aidvantage again to request refund on the negative account balance. Representative tells me that I shouldnt worry because my loan is paid off and to tell the school I dont owe them the money. 
XX/XX/23- University tells me that since the loan was cancelled and they paid the loan company, I needed to request the funds from Aidvantage to pay them. 
XX/XX/23 - Another call to Aidvantage. Representative again tells me not to worry about it when I repeatedly say that I need the money to pay back my school for the cancelled loan. I clearly have a document on my account that shows a negative account balance. I am getting extremely frustrated at this point. 
XX/XX/23 - Call Aidvantage again in the hopes of getting someone who knows whats going on. Representative says they are requesting a refund. 
XX/XX/23 - Have heard nothing. No confirmation of anything. I guess I am just supposed to wait without knowing if anything actually happened. I need that money to be able to enroll next semester otherwise they will block enrollment for owing thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I made a purchase from XXXX XXXX XXXX XXXX  using a XXXX XXXX XXXX XXXX XXXX Card. When I received the XXXX XXXXXXXX XXXX billing statement I paid the bill in full from my business account but for some unknown reason the amount was refunded back to my business bank account a week or so later. The next statement included the original amount plus a late fee and interest fee. I contacted XXXX XXXX XXXX XXXXXXXX XXXX  Card and they refunded the late fee but not the interest fee. They instructed me that I should go online and attach proof that I paid or attempted to pay the original billing statement amount, but for the last month their web site has informed me that due to a system problem they can not receive attachments. I have now paid the original amount from another account but I am disputing late fees and the interest fees. I opened a case with them but now they have sent a new bill with another late fee and interest fee. It was my understanding that if I opened a dispute they would not charge me late fees and interest until the dispute was settled. They have informed me they would be in touch with me but they have not answered any of my messages online, nor have they emailed me. When I call them I am usually on the phone for at least an hour and I have to talk to a manager but they have informed me there is nothing they can do to cancel the fees. My case number is XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-20
Company: Experian Information Solutions 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 have been taken advantage of due to malpractice while several laws were being broken under the FCRA by your company. This has caused me financial injury, this is called defamation of character. I can't get a job. I can't apply for credit. I can't even get a sba loan or anything like that due to the pandemic under this crisis you have hurt my ability to obtain 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 non-monetary relief
Consumer complaint received 2021-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
Hello, I inquired my credit card issuer, capital one, to explore upgrades to my XXXX XXXX I upgraded my card based on the following information ; I had the option to downgrade to my original card, the physical card was to be metal, I would revive XXXX miles per dollar which I told equated to 2 % cash back. Once I found out some of the information I was provided with was invalid I requested my product change stop and I asked to keep the original card. My request was denied and I was told I could only get the XXXX XXXX XXXX which offered even less cash back then my original XXXX. The capital one representative lied to me and was not representing the facts when inquiring about the product change.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
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: Personal information incorrect

Complaint:
The credit bureaus are reporting inaccurate/outdated/incomplete personal 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 2019-09-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2019 I received a letter of a debt I have never heard of from Synchrony Bank collection for XXXX. I never have in my life had a XXXX account. NEVER NEVER. 

The letter is misleading. This is the first time I have heard of this. I have contacted FTC, there identity thief division, I filed a police report, I have contacted the attorney general regarding this. I have sent a letter to them which they should be getting any day now and I also sent a letter to Synchrony Bank.

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 2022-11-02
Company: EQUIFAX, INC.
State: PA
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 name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2021-11-16
Company: EQUIFAX, 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: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports and need to delete immediately : XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX/XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
I filed for bankruptcy in 2020 because of my vehicle only which my attorney and the court was aware. Pennymac stopped reporting my loan details to the credit reporting agencies and claims my mortgage was part of the bankruptcy which it was not. I tried to resolve the issue with the lender and credit agencies. The lender replied to all agencies and keeps telling them the information theyve been reporting is accurate even though its not since the loan is active and current.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: Experian Information Solutions Inc.
State: DE
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:
XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX  XXXX of inquiry XX/XX/XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of inquiry XX/XX/XXXXXXXX XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiryXXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX Experian XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is XXXX Please adjust immediately. XXXXXXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX  Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it 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 2017-03-05
Company: Amsher Collection Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt was disputed and removed by credit bureaus in XX/XX/XXXX and then sold to Amsher and it was back on my credit report XX/XX/XXXX. I have disputed with them, the amount is incorrect. They report that the debt is verified, I spoke with t-mobile agent and she did NOT verify the XXXX amount that Amsher has as collection amount. There should be no debt in the first place, due to the fact it was a month to month plan and the last month was paid, but sent to collection 3 months later. It does not show on my credit report that this debt is disputed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: Westlake Services, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account started showing up on my credit report a few months ago. I have never had an account with this company, I have requested written proof multiple times

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 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WV
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:
On XX/XX/2022 I received a call about a suspicious attempt to open a Capitol One credit card account in my name. I declined that it wasn't me and they were going to deny it and report it as fraudulent for investigation. I then reported it to the credit bureau, freezing and putting an alert on my credit. 
Upon reviewing my credit report, I found an address that didn't identify with anyplace I live or had lived ( in AR ). Called credit bureau to make them aware of this. I will follow this up with a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: WELLS FARGO & COMPANY
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am in the final stages of a mortgage refinance application with XXXX XXXX. There remains one outstanding document that details terms and conditions with my Personal Line of Credit with Wells Fargo. Multiple attempts to obtain this document have not been successful. The first attempt was made on XX/XX/2019. I was told that it would take up to 10 business days before I would receive the document. It never arrived. i re-submitted the request on XX/XX/2019 and again was told it would take 10 business days before I could expect delivery. Again, it failed to arrive. I reached out to the local branch in XXXX XXXX for assistance. A banker there tried to intercede on my behalf and called the credit line group at Wells Fargo. She inquired if they could send the document to her directly. This request was denied. I offered to pay for overnight delivery. This was also denied. I asked if the document could be downloaded to the secure message center on my Wells Fargo dashboard. Again denied. I then called the Mortgage / Equity Loan department who said that because this was a personal line of credit rather than a home equity loan, they could not help me. Next I called Wells Fargo Checking and Banking center who opened up a case with their case management team ( Case XXXX ) but was told it would be at least 3 weeks before they could address my issue. Wells Fargo 's reliance on " snail mail '' for transmission of documents is both poor customer service as well as a security risk. Sending financially sensitive documents via regular post office delivery is not secure and exposes customers to privacy and data breach risks

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 2021-12-09
Company: EQUIFAX, INC.
State: DE
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:
XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly. 
XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : XXXX XXXXPlease take a look at the original amount and the current amount. It doesn't seem right. Remove this collection from my credit report for its errors. 
XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX ; XXXX ; XXXX I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX  Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX XXXX of inquiry XX/XX/XXXX, XXXX XXXX  Date of inquiry XX/XX/XXXX, XXXX  DATA Date of XXXX, XXXX XXXX Date of XXXX XX/XX/XXXX, XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly XXXX XXXX XXXX Balance : {$0.00} XXXX120days ; XXXX90days ; XXXX60days ; XXXX30days ; XXXX60days ; XXXX30days I am not late on this account. My record shows that this account was paid as Agreed and Past Due is 0. Please adjust immediately. XXXX XXXX Date of inquiry XX/XX/XXXX, XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately. 

Equifax XXXX XXXX XXXX Balance : {$140.00} XXXX60days ; XXXX30days Please check the Payment History and Status information on this account and adjust accordingly ( Original Creditor : ) XXXX Balance : {$92.00} Please confirm the information shown in this account or delete this account information from my credit report, because I believe it may be erroneous. XXXX Date of inquiry XXXX XXXX  Date of inquiry XX/XX/XXXX These inquiries does not make sense for me, I can not remember it, so please remove it immediately.

Company response to consumer: Closed with explanation