BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-01
Company: ACS Education Services
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: Account information incorrect

Complaint:
XX/XX/2016 called ACS for a student forbearance information relayed to me was my loan was being sold to navient that my request can not be granted until the transition period is over and the new loan company has my files. It's in my report that the my loan has delinquencies of late payment. Accountability has not been acknowledge by irther party both loan offices are stating that during transitions the request of a forbearance was not granted and will be applied retro active. My student loan is still showing up as delinquencies of payment. ACS student loan has not fix the account. It is effecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I requested for my Kohls account to be closed in XXXX and paid off the account. Since the account has been paid and closed, Kohls continue to add additional fees to the account through XXXX. The account went from being paid off to {$110.00} in fees added to the account. Nothing has been charged to the account. I do not owe these fees. Kohls should not be able to take advantage of consumers like that. Kohl has sent this account to credit bureau and caused my credit score to drop 35 points.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-15
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
credit collection service XXXX XXXX XXXX XXXX ma XXXX ( XXXX ) XXXX original creditor XXXX XXXX amount u {$120.00} placed collection XX/XX/2017 my name is XXXX XXXX XXXX never owned anthing for this company!! 

att XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-14
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My XXXX XXXX accounts for the school that I attended back in XX/XX/XXXX in the amount of {$2500.00} & {$3500.00} for XXXX XXXX XXXX XXXX, XXXX XXXX, CA ended up being sent to U.S. Department of Education collections department due to supposed DEFAULT. I have all my statements supporting that I have been in good standings with my federal loans. I have talked to XXXX   XXXX associates XX/XX/XXXX & XX/XX/XXXX and yet they have not attempted to reach out to U.S Department of Education to inform them that my Lone needs to ben Referred back to XXXX XXXX. I actually have a letter from XXXX XXXX stating that my two loans XX/XX/XXXX have been discharged on the basis of false certification from the school that I attended. I am no longer obligated to make payments on lones. But yet my account was sent to U.S Department of Education even tho my account was in good standings. As far as I know somehow XXXX XXXX staff made a major mistake and they should fix it, my credit has been impacted due to them over looking Important details on my accounts. Staff maid a huge mistake on my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
Although I am checking for and addressing missing and or deficient aspects of REPORTING COMPLIANCES and not contesting any debt of compliant nature, I should make you aware that since unlawful reporting transitions collection into an equally not complaint circumstance. Being still yet not validated by document fact in compliance to requisite standards, it is to be announced yet again that legally I have no knowledge of the validity of the alleged claims of delinquency and or derogatory nature, nor of the certifiably compliant matter to either any of its collection attempts and or its reporting despite previous consumer filed composed complaints checking for each. Might it be known, especially shall I elect to take this matter up to a civil court, any debt and or derogatory claim must be pursued ( particularly for collection ) in a very defined and precisely compliant and physically verifiable or certifiable manner as detailed in the requisite obeyed federal and state collection and reporting regulations associated with any of the above noted said claim ( s ) to include but not limited to the FCBA, FCRA, HIPAA PRIVACY RULE, FACTA, FDCPA and TCPA, etc. ADDITIONALLY, if an entity acts as a collector and also elects to act as a reporting party of consumer credit they must as well adhere to every single one even each any and all of the regulatory reporting requisites and standards of reporting with legal standing in full accordance of laws and accepted reporting standards. To date, the plaintiff has failed to demonstrate any capacity or willingness to validate the alleged debt much less certify the fair, accurate, complete and compliant reporting of the claims, particularly being significantly deficient is any display of certified metro 2 compliance. As such, given the fact of recent breaches of information collection

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 2018-11-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles, I have been sending letters to the credit bureaus but they did not reverse the late payments up to now..Please CFPB amp up and fix the account 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 2020-07-03
Company: Experian Information Solutions Inc.
State: VA
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:
While checking my most recent credit report, I noticed credit inquiries that i did not authorize. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

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 2018-08-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
Earlier this month my identity was compromised. This thief has just about all my information and has opened credit cards and accounts credit unions in my name. I need to put a freeze on my credit report and need a copy of my credit report immediately. I have had extreme difficulties doing this with Experian and still have not been successful. 

My identity was compromised on XX/XX/2018. Since then, multiple credit cards have been attempted to be opened in my name. I believe one was attempt was successful but I am unable to find out what company the credit card was opened with because I cant access my credit report. 

I have tried to do this over the phone and online with Experian and have been unsuccessful. Also, when I attempt to access my credit report online with annualcreditreport.com I am unsuccessful because my information for the Experian section can not be verified. It is extremely imperative that I receive my credit report so I can contact every creditor on the list and notify them that my identity was compromised and that these accounts need to be canceled immediately. 
I am also unable to freeze my credit report through Experian. When I call or attempt to do so online I receive a notification that it can not be completed. My phone calls are consistently a dead-end. I need to speak with a representative at Experian as soon as possible. 

This thief also opened an online account with XXXX with my personal information, but with their email address. This has been confirmed with XXXX. The thief used my name, SSN and other personal information to create an account but used their own email address and other login information. I cant retrieve this account login information because I obviously do not know their email address or answers to security questions. I believe this is the case for Experian as well, but again, I can not get through to Experian in any way. 


Thank you in advance for your 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 2020-07-01
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.DEPTEDXXXX XXXX {$5400.00} DEPTEDXXXX XXXX {$3700.00} XXXX XXXX  XXXX {$1700.00} XXXX XXXX   XXXX {$1700.00} XXXX XXXX {$130.00} XXXX XXXX {$11000.00} XXXX XXXX  XXXX {$250.00} XXXX XXXX XXXX {$830.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I tried to get my free annual credit reports on XXXX XXXX, 2017,  which took over 6 hours. Transunion allowed me finally to get it online, however, the left hand side of the report is not legible, cutting off numbers and data. It is not a formatting problem with my computer. I print and save my reports every year and have never had this problem.

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 2019-05-28
Company: Flagstar Bank, N.A.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Within my monthly mortgage payment to Flagstar Bank, I include my insurance and taxes as a part of my escrow payment. For the past two years, my mortgage company has mailed and called me to tell me that I needed to purchase an insurance plan for my home, even though it is included inside of my escrow payment. I have told the mortgage company each time that it's their responsibility to pay the insurance bill because I am paying them via the escrow account. Here is a detailed date of events this year : XX/XX/XXXX : Mailed me notice to say that they don't have proof of XXXX insurance for my house and that I would need to purchase it and show them proof. I called them immediately afterwards to tell them that it is included in my escrow payment and would not be purchasing a second insurance plan. The mortgage company then was able to show that they did indeed purchase insurance, but they did so three days after my previous policy expired and that I would need to purchase a policy for the three day gap ( XX/XX/XXXX - XX/XX/XXXX ). 

XX/XX/XXXX : ( letter dated for XX/XX/XXXX, but I received it later than that ) Received a second notice saying that I needed to purchase insurance for the three day gap or else they would purchase it themselves and it would cost me XXXX. The annual policy is less than 2000 dollars. 

XX/XX/XXXX : Called insurance company to buy policy for three days, back dated, as my mortgage company requested. Insurance company said they do not do that and provided me with documentation showing that mortgage company paid the bill for my insurance late, most likely to gain more interest from my escrow payment. Mortgage company claimed that while the insurance company did mail and fax the invoice one month ahead of time, they sent it to the wrong address because the bank has changed their PO box . The insurance company showed documentation that the PO box and fax number change notification was mailed out in XX/XX/XXXX, more than three months after the original invoice was sent out. Moreover, the bank mailed payment late, it was post marked on a date that would identify it as being late, and was the correct amount ( price had increased from year prior ). 

Essentially, the bank held onto my escrow payment last minute, paid the bill late, and I had a gap in coverage. Then - they tried to coerce me into paying XXXX dollars for three days of insurance coverage, which is 67 times more than what it actually costs, due to their obvious mishandling of my escrow money. There is documentation that can be provided if requested.

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 2019-05-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/19 I purchased a gift card in the amount of XXXX from XXXXXXXX to XXXX XXXX. That is the only transaction I authorized. 

On XX/XX/19 I checked my online banking and to my dismay I fount 3 additional transactions to the same company in the amounts of {$600.00}, {$140.00}, and {$150.00} I contacted Bank of America to advise them of the unauthorized amounts. They advised me to start a dispute online. 

I made an error in selection for the reason for the dispute when doing this online. I called bank of America again to notify them of the error and to ask them to take the dispute over the phone. I also needed to add to the dispute that the initial {$250.00} because I had not received the emailed gift card that I had ordered. The website XXXX states that the gift card would be emailed electronically instantly. 

I made multiple attempts to contact XXXX at the telephone number they provide on their website, as well as wrote to them in a comment box that is on their website. I haven't heard back from them to this day. 

Bank of America approved 2 of the disputed transactions. One for XXXX and one for XXXX. 

The remaining 2 transactions have not been approved, and in the mean time, I have had payments come out of my account that are overdrawing my account because of these unauthorized transactions, and I am being charged NSF Item fees for these transactions.

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 2018-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 was advised to contact you all regarding items on my credit that are not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. 
XXXX XXXX XXXX XXXX ( XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX  Transunion : XXXX ) XXXX XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ) XXXX XXXX ( XXXX : XXXX XXXX   : XXXX Transunion : XXXX ) XXXX  XXXX XXXX  ( XXXX : XXXX ) XXXX XXXX   ( XXXX : XXXX ) XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX XXXX ( XXXX : XXXX XXXX : XXXX Transunion : XXXX ). 

Thank you for all your help with this.

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 2018-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I have overdraft protection set up via a link from my checking account to my credit card. Bank of America charged me {$35.00} on XX/XX/2018 and {$35.00} on XX/XX/XXXX. I was told that my card wouldn't work if there wasn't money on my credit card to cover any transactions when I agreed to set the link up. I am disputing the {$70.00} worth of overdraft charges.

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 2018-08-24
Company: DISCOVER BANK
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
After 13 years of card membership and no significant issues, and without warning, Discover Card chose to close my account on XX/XX/2018, exactly 1 month after increasing my credit line by 40 % ( from {$1500.00} to {$2100.00} ) on XX/XX/2018 -- following a review where they stated : 1. " Congratulations! Due to your overall excellent credit management, we've increased your credit line to {$2100.00}, of which {$1200.00} is available as cash. Your new credit line is now active to give you more purchasing power and flexibility when you need it. '' 2. Why did I receive a credit line increase? " To recognize the responsible credit management you have demonstrated over the years, we have increased your credit line. '' 3. Did Discover pull my credit report to make this decision? " Discover receives a copy of your credit report each month for maintenance using soft inquiries, meaning there is no impact to your credit. This information was used in making the decision to increase your credit line. '' Nothing changed on my credit profile or report, the account was in good standing, paid on time with had no recent late payments, and had a balance of {$0.00}. My credit score remains " good. '' Either their processes and procedures are inconsistent, undefined, or they are completely incompetent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-24
Company: AR Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
AR Resources is trying to collect on four {$25.00} accounts that have been previously paid. I provided them proof of payment within the 30 day requirement and advised I was disputing the validity of each debt. They never responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: Advanced Resolution Services 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: Account information incorrect

Complaint:
this is my 3rd attempt to correct this issue please see attached response from ARS attorney stating he will not delete bankruptcies vs the response he stated on complaint with CFPB # XXXX, where he stated if CFPB request that they delete inaccurate information of bankruptcies he will do so

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Conduent Incorporated
State: OK
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
This is not a duplicate. The phone number that is being used as my contact information is incorrect and I have no idea where they received that information. My number is XXXX which is on my account with them, on file with the OESC, and is on file with the CFPB. I still have not received an email either. This is my last attempt at an informal resolution.

Previous complaints. 
XXXX XXXX

Company response to consumer: Closed with explanation