BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-31
Company: PENTAGON FEDERAL CREDIT UNION
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I was approved for a personal loan with a cosigner. During the verification process I and my cosigner uploaded our social security cards, driver 's licenses, voters registrations, military identification, utilities bills with cosigner address that on credit report, incomes, and my phone bill with straight talk which is the only current utility bill I owe on. Pedfed still will not give us the loans and repeatedly requested that I uploaded my social card and identifications that I already uploaded several times. I feel I'm being stonewalled around by Pedfed because they're denying us the loans by repeatedly asking for information that we already uploaded or information Pedfed know we can't produce. For example, Pedfed asked my cosigner my fiancee to upload an utility bill from my prior address that belong to my parents and she not ever live there. My parents address is the address I lived before my fiancee and I moved in together. I called Pedfed and explained this to a bank manager and got no results. I feel I'm being discriminated against by Pedfed using the verification process to deny me a loan by requesting information I sent Pedfed multiple times or information Pedfed know I can not produce because it doesn't exists like asking fiancee for a utility bill from my parents address when she sent them a utility bill that matches up with the same address on her credit report.

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 2021-02-22
Company: AMA Advisors, LLC.
State: NM
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I had a home mortgage with Homebridge Financial Services last year ( Loan # XXXX ). This loan was paid in full as of XX/XX/2020. Homebridge has refused to send me my 1098 Mortgage Interest Statement for the year 2020.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: GOLDMAN SACHS BANK USA
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: Information belongs to someone else

Complaint:
I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and Apple Card/GS Bank and XXXX XXXX/XXXX. The Account Opened is Apple Card/GS Bank Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$690.00}. The Account Opened is XXXX  XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/2020 Balance : {$0.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-04
Company: Experian Information Solutions Inc.
State: TN
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:
ACCOUNT WAS OPEN IN MY NAME WITHOUT MY CONSENT

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 2020-07-24
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a call in reference to this debt and I informed the company that I am not aware of this and it doesn't belongs to me. I never heard of this company XXXX and never had an account with this company. They had stop sending the letters to me after the conservation, but now I am starting to receive letters and I just moved, so I don't know how they got my new 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 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/2018 BOA called my work # ( above ) asking for me again this is not the first time but I sure want it to be the last I dont need to loose my job This is not acceptable at the school that I work at

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 2020-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
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:
XXXX XXXX XXXX XXXX was paid in full. both the account states it was late. it was not. In addition XXXX XXXX XXXX was added to my credit report one was filled with my bankruptcy. The second one was disputed, as i did not receive any notification. Nor do i believe this debt belongs 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 explanation
Consumer complaint received 2018-03-27
Company: Ditech Financial LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I set up an Electronic Payment to occur on XX/XX/18 for my regular amount of {$1500.00} plus an additional {$8000.00} of principal. The whole {$9500.00} came out of my bank and was credited on XX/XX/18. However, they DID NOT apply the {$8000.00} to paydown of principal. They applied it to XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regular payments, costing me an extra {$1500.00} of interest. 

This is the 7th time that DiTech has erred/refused/failed to apply a prepayment of principal to my principal balance within the past year. They are downright fraudulent! I call and call and call before getting them to correct their error/fraud. 

That's stealing. If I did that, I would be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Public record information inaccurate

Complaint:
I looked at my credit report upon being released from prison after 9 years on XX/XX/2021. 
There was a debt listed that I had nothing to do with. 
I submitted a complaint with XXXX. 
They " investigated '' and said the info is " accurate ''. 
This is ridiculous. People in prison are highly monitored and can only purchase consumer items with cash. They have records of all Ive purchased and this debt isnt " accurate ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: Aargon Agency, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a unverified account from Aargon Agency. I had previously disputed this account. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g,  I request that Aargon Agency Cease and Desist all further communications. Aargon Agency needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also have the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST.

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 2021-09-05
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/XXXX, I saw a promotion offer when I searched for tickets on XXXX, saying that I can earn {$200.00} statement credit and XXXX bonus miles after satisfying the spending requirements. I was happy that AmEx gave this offer to me. I applied for it and got approved. There is no pop-up window during my application. 
However, when I almost finished the spending amount, I asked the representatives about the offer status via online chat. They told me that I was denied for that offer. They insisted there was a pop-up window. I can be definitely sure no pop-up windows. On the other hand, I called the customer service they told me it is tracked and asked me to continue spending. It is so confusing. And I finish the spending amount, but no bonus came to my account. I was fooled. 
I also tried to create a case via calling, but no response. So I am now complaining here. Currently, I have screenshots of the offer I saw, the phone recording when I called the customer service telling me that the offer is tracked. I also found some alliances on this website XXXX XXXX XXXX. They all encountered similar issues. If my issue can not be fixed, I may have to report to the Office of the Commissioner of Financial Regulation and unify other victims to fight against AmEx.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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 2020-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
Innacurate employer on credit report. I do not work for XXXX XXXX. I work for XXXX  which I have sent my stubs to transunion multiple times only to have it reappear.

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 2017-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Porfolio Recovery Associates is in accurately reporting two accounts on my credit profiles that the have not verified belongs to me. I have sent multiple correspondence directly to Portfolio Recovery Associates, Credit Bureaus, and by XXXX XXXX asking that Portfolio Recovery Ass. verify that the are legally able to collect said debt. In each request I ask for Portfolio to verify the account belongs to me by sending identifiable information that shows that the debt is legally mine. Portfolio Recovery caused financial distress in my life and continues to defame my name. There unwillingness to provide we original documentation showing where the debt is legally mine violates FCRA laws and is causing harm to my consumer rating. Reps of there 's were rude on the phone, have contacted members of my family, and ruing my financial reputation. Because of their unverifiable, in accurate, and misleading reporting, my credit rating has severely being damaged

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27
Company: Fidelity National Information Services, Inc. (FNIS)
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:
I applied for a checking account with both XXXX and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was XXXX for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

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 2019-02-06
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received numerous calls a day to my parents landline, where I do not live anymore, back to back multiple times a day. It has gotten so bad we have actually stopped answering the phone. For example on XX/XX/2016 I received a call at XXXX, XXXX, XXXX. They never leave messages, they only ask for whoever answers the phone name and then for the social security number. They say they are working on behalf of XXXX for medical bills but will not disclose what bills they are talking about. When I confronted them about them violating the FDCPA they then said it was multiple debts from same place so that is why they call so many times and that they are allowed to do it. My elderly parents are absolutely at the end of their rope with the phone calls coming in constantly. When I confronted them as well they said they would then start sending me mail for it ( which they already do as well ). We now live on eggshells waiting for the phone to ring.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
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:
I applied for a checking account with both USAA and XXXX XXXX XXXX on XX/XX/XXXX and was denied due to incorrect reporting of a fraudulent account that was proven to be fraud by XXXX Police Department. The police report number is XXXX. I disputed the information with XXXX XXXX XXXXXXXX but they have yet to delete the fraudulent account from my credit. I have a pending lawsuit against XXXX XXXX XXXXXXXX for incorrect credit reporting. 

The report sent to XXXX XXXX XXXXXXXX on both XX/XX/XXXX and XX/XX/XXXX : I stored my personal items at a friend 's house because I was homeless for a few months prior to relocating to college in XXXX, XXXX. I went to XXXX XXXX XXXX on XX/XX/XXXX in XXXX, XXXX to be added to my aunt 's checking account as an authorized user and was told there was an account on my XXXX report from XXXX XXXX XXXXXXXX that was reporting fraudulent activity at an address I have never lived at ( XXXX XXXX, XXXX, XXXX ). I filed a police report in XXXX, XXXX, where I currently reside, because I suspect the tenant, XXXX XXXX of XXXX, XXXX, stole my identity, then used my information to open an account without my permission. The account was opened in XXXX, according to XXXX report. I attached my IG with my XXXX address, the only address I've ever lived. XXXX XXXX XXXXXXXX Replied stating they would not remove the account and expected payment because an individual walked into the bank on XX/XX/XXXX and opened an account with my ID. My ID and SSN card was stolen, as I stated above, and even after I provided XXXX XXXX with the identity theft criminal report case number from XXXX Police ( XXXX PD Criminal Report # : XXXX ) upon request, the account still has not been removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: ID
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
We applied with Wells Fargo in 4 different occasions in XXXX  for loan modifications. We had both a first and a second. Wells Fargo was never responsive and we lost our home

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 2019-02-06
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2019, I sent a wire transfer using the XXXX application on my phone and entered an incorrect number by one digit. I attempted to immediately cancel the transaction but the system would not allow it. I called my bank, Wells Fargo, to inform them of the error. Wells Fargo stated that since it was placed under the application site, I would have to contact XXXX to cancel the transaction. I then called XXXX who informed me that they are a networking system and do not handle the processing of this transaction I was redirected to contact my bank regarding this error. I opened a dispute with my bank, in which I was informed that since I made the error they could not refund my {$350.00} that was placed in a stranger account, nor could it be reversed. I also tried contacting the receiving party and later found out he is located in XXXX not in the US. Wells Fargo nor XXXX are willing to help me with this matter and now I have no other option but to contact your office for some form of resolution.

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 2022-08-07
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report its well over XXXX days. I am being taken advantage of by the same company and ignored. section 611 ( A ) failure to investigate within XXXX days gives immediate removal from my credit report. I demand these accounts be deleted immediately I have documents to file litigation over stress. 15 USC

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
In XX/XX/2018 I was issued a Capital One credit card with the understanding that my minimum payment would be {$25.00} per {$1000.00} balance. I used the card several times in the winter and spring and each month I sent DOUBLE payments. Instead of the {$25.00} minimum payment, I sent a check for {$50.00}. The company did not, as it seems, apply the amount over the minimum payment to my balance completely, in turn making my balance increase rather than remain stable or fall. 
Now, I get a bill that states my minimum payment is {$30.00} on a {$950.00} balance, and this is not what was expected per the paperwork I received. 
I spoke with a representative at CapitalOne and it seems that they only conside a double payment if I paid twice in a month. Not right. and they are telling me that my interest rate rises the higher my balance is. 
I have never had this happen to me with any credit card I have had in the past and it seems no one at CapitalOne cares to help me. 
I was mislead on this credit card. If I had known this, I would not have taken the card. 

Also, credit applications should be SIMPLE and in PLANE English, not in legal jargon that no one understand unless they have a Law degree.

Company response to consumer: Closed with explanation