BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-03
Company: Bepensa Capital, Inc.
State: TX
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 have no knowledge of this account.. On the attachment it is down in the body XXXX XXXX XXXX XXXX and XXXX XXXX for XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On XX/XX/XXXX I got charged a XXXX dollar annual fee for this card. 2 days later the bank shut down my account. Now they are refusing to refund me the annual fee on my card. There is no reason why I should pay the bank this money if they are not providing me with the benefits of the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: JPMORGAN CHASE & CO.
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: Problem with personal statement of dispute

Complaint:
I CALLED ALL THREE CREDIT BUREAU 'S TO FILE A DISPUTE IN REGUARDS TO MY XXXX XXXXt CARD. MY ACCOUNT WAS NEVER IN DEFAULT OR LATE. THIS WAS DURING THE COVID19 PANDEMIC.. THIS ISNT FAIR THAT ITS NOT BEEN TAKEN CARE OF AND MAKES ME NOT ABLE TO QUALIFY FOR A MORTGAGE OR A PERSONAL LOAN WHEN IN DISTRESS NEED OF ONE. I'VE TRIED CALLING AND CALLING AND PLACED DISPUTES AND THEY DONT DO ANYTHING NOR REPLY BACK AS TO WHY ITS ACCURATE. ALSO FOR JP MORGAN CREDIT CARD SERVICES.. THE ACCOUNT HAS BEEN CLOSED AND PAID FOR.. ITS SHOWN IT WASNT PAID FOR. PLEASE HELP HELP HELPPPPP!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
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:
Incorrect items reporting on my 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 2020-01-29
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My grandma passed away in XX/XX/XXXX without a will so I kept paying the lien on her house through a company named ocwen loan service with no problem in XX/XX/XXXX I guess they gave the lien to another company named ohh loan services I was paying between 550.00 $ and 600.00 $ a month with ocwen then it went up to XXXX $ with phh then the following month phh sent me a letter saying my grandmother estate owed them XXXX $ Im wondering how can I owe them when Ive never missed a payment never

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Account Resolution Corporation
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I 've been for the past few months in contact back and forth with XXXX, XXXX XXXX XXXX and Account Resolution Corp in reference to my medical bills and with all the disputes gotten no results.. I was told by XXXX XXXX XXXX and Account Resolution Corp that all I needed to do was send in proof that I had coverage during the time of the hospital visits in XXXX XXXX 2015 and I did so. I Sent them a copy of my XXXX showing that I was covered during that time and was told that that was n't good enough and that I needed to have XXXX  XXXX XXXX XXXX XXXX to write them a letter stating that I was covered. When i originally got this form from XXXX  XXXX XXXX XXXX XXXX I was told that this is all I would need and that this would be proof of coverage. XXXX XXXX XXXX and Account Resolution Corp. is telling me this is n't good enough and that i need them to write a letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-06
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: Account information incorrect

Complaint:
( Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank ) XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX i never goy cards from any of these us bank has 5 inquirys on here and i have one card that i gor from them in that XXXX XXXX has no cards i received from them in that time frame XXXX XXXX got 2 inqurys and yet no cards from them XXXX  no cards in this time frame do i have to file reports on all these and get them corrected because i will my next step

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 2023-01-30
Company: EQUIFAX, 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:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
Company: Turning Point Solutions LLC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today ( XX/XX/XXXX ) I received 2 calls back to back at XXXX and XXXX from XXXX and XXXX from XXXX XXXX from XXXX XXXX XXXX XXXX regarding a debt with XXXX Mastercard. I informed her that I NEVER received a written letter to my address stating there was an attempt to collect a debt. Mrs. XXXX informed that their company was going green and they did not send letters out which I thought was odd. I told them due to hardship and extreme in income I did not have it but she still tried to get a payment or an agreement setup bringing up my tax return and etc. They attempted to be subtly threatening stating my account would go to the " next level '', but she could not elaborate what the " next level '' was. Her call back number was XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Experian Information Solutions 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:
I have contacted EXPERIAN 4 times trying to resolve the issues with accounts that do NOT belong to me and do NOT have my signature. Under the FAIR CREDIT REPORTING ACT, they did NOT use reasonable procedures to TOTALLY verify the information they are receiving from their clients who FURNISH the information! They are REPORTING INFORMATION THAT does NOT belong to me and REPORTING INACCURATE information. Under Section 609 of the Fair Credit Reporting Act, they could be liable for reporting information that they are NOT even suppose to 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 2022-01-06
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NATIONWIDE RECOVERY SERVICE HAS BEEN SENDING ME COLLECTION NOTICES INTHE AMOUNT OF {$190.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMPANY. I NEVER DONE ANY BUSINESS WITH THIS COMPANY.. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNITURE

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I am a cardholder of a TD Bank NA credit card. In XXXX I received an offer in the mail to transfer card balances to the card for a 0 percent interest offer, which I did on XX/XX/2020 via the bank 's on-line portal. I transferred balances from an account charging me 8 % interest. Once transferred I saw the balances at TD bank were being charged 18 % interest. When I spoke to TD Bank I was told that the balance transfer offer I'd received in the mail was only for people if they opened a new credit card account. Why was I being sent misleading balance transfer offers for new account holders only when I already have an account. These offers continue to arrive in my mailbox. I was misled into thinking I was receiving an offer on my existing account and am now paying 10 % more interest than before THANKS TO TD 'S  MISLEADING MARKETING PRACTICES. They should not be sending new low interest offers when you open a new account to existing customers. They are not exhibiting due care. TD bank refuses to reverse the balance transfers or address the high interest issue. Furthermore at the time I transferred the balances and received a confirmation vis TD 's on line portal, there was zero indication that this transfer was not a 0 % balance transfer and that the interest charged would be at full rate, in which case I would have aborted the transfer. Again totally misleading. Trying to get people to transfer balances thinking it is a low rate when it is a high rate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-24
Company: Navient Solutions, LLC.
State: IL
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:
I had my loan with Navient for over 10 years and I was waiting to complete the 10 years of repayments in order to qualify for the Public Service Loan Forgiveness program. I was never late on any of my payments and after 10 years I decided to submit my application. 

Around XX/XX/2018, I contacted Navient to begin the process of applying for the PSLF and I was told I needed to consolidate my loan. I did and consolidated my loan. After consolidation, I was told, like thousands other borrowers, that my repayment plan I was under Navient didn't qualify for the PSLF and I needed to spend another 10 years in repayment. At one point I was told I  couldn't apply because my loan was consolidated. 

I've asked for the decision to be reconsidered and I have been denied twice because of the same reason. I am another one of the student loan borrowers who were misled and misinformed by Navient. At least four states have filed a lawsuit against them. 

I want Navient to repair the damage and get my student loan forgiven as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN XXXXs Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: Diversified Consultants, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I left XXXX as my primary carrier in XX/XX/XXXX or XX/XX/XXXX. I had a balance of {$300.00} from this account. I talked to a representative to arrange a payment agreement, but within two weeks I was sent a notice in the mail from a collection agency, Diversified Consultants , Inc . The original {$300.00} rose to {$690.00}. I asked where did the addition fees came from and the company said this was due to equipment / devices, which was a XXXX and XXXX tablet. I told the company that I had already paid for the XXXX and XXXX never issued me a statement about the balance for the tablet which I had been paying on for two years every month. Since XX/XX/XXXX this company has frequently called my phone at all times of the day, morning and night. I have talked with three representatives and a supervisor about reducing the fees, arranging payment plans and getting the company to stop calling me while I 'm on my job. I have paid this company {$300.00} yet I continue to receive phone calls and I was sent a notice on XX/XX/XXXX for {$550.00}. On the last payment I provided through my debit card of {$78.00} in XX/XX/XXXX the  company double charged my card and I did n't receive a refund until I had to talk with a supervisor and my payment arrangement had to be renegotiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage

Complaint:
My mortgage line of credit is in foreclosure but there is no sell date. About 6 months  I started asking Bank of America for reinstatement. The monthly payment was around $99.99.They sent me documents to fill out for mortgage assistance and I sent them pay stubs, mortgage information, tax information, etc.Yesterday, my representative XXXX XXXX told me they needed the information all over again that I had provided. I feel Bank of America is stalling to justify the Attorney fees and to keep adding on monthly charges. The defaulted amount is $XXXX XXXX, but they want $ XXXX in fees for a total of $XXXX. (This documentation is included in this complaint). Please investigate and find out what is going on.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 2021-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX I was checking my bank account and I found three unrecognized debits. One on XX/XX/XXXX for {$3500.00}, one on XX/XX/XXXX for {$3500.00}, and another one on XX/XX/XXXX for {$3000.00}. I called the online banking service and told them that I did not do and did not authorize those transactions, that I never received the text with the security code, that I never received an email to verify the transactions as the bank should has done since there were three consecutive, very suspicious, transactions. 

I was informed by the bank representative that the account was supposedly had been immediately blocked and he had opened a new account. On XX/XX/XXXX, I checked my brand-new account and AGAIN found another unrecognized debit for {$3500.00}. I immediately called, spoke with the bank representative, and ONCE AGAIN he blocked the account. 

As you can imagine I was frustrated and psychologically affected for all these inconveniences. I was told that the fraud department has been informed and that soon I will receive a communication regarding this matter. On XX/XX/XXXX I received a letter, by email, regarding claim number XXXX informing me that the bank was unable to honor the claim and clearly written You may request copies of the documents used in our investigation and well mail the information to you for your records. When I asked to be mailed the reasons they could not let me know the reasons. 

One again I called and spoke with the bank representative I was informed that supposedly they made a domestic called to phone number XXXX XXXX and spoke with my husband, that lives in XXXX XXXX and my son, that live in XXXX XXXX XXXX XXXX and that they BOTH authorized the electronics transactions. This is false because my husband and my son live in two different continents with two different phone numbers and two time zones. My son is not a beneficial owner, he is not authorized.

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 2019-08-23
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:
Everything was removed except for four accounts that were also listed on uploaded FTC 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 non-monetary relief
Consumer complaint received 2022-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
I have identified information on my reports as a result of identity theft. These items are not related to any transactions completed by 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 2020-05-26
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: Information belongs to someone else

Complaint:
ftc violations : enclosed and stated all violations listed acceptance now {$7100.00} XXXX XXXX XXXX  XXXX {$450.00} XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX {$570.00} {$550.00} {$570.00} XXXX  XXXX XXXX {$59.00} {$33000.00} XXXX XXXX {$2500.00} XXXX XXXX XXXX XXXX {$700.00} XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( all ) XXXX XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Federal government Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX  ) XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Jewelers Contact Information XXXX XXXX XXXX XXXX XXXX, OH XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XXXX XXXX, XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX XXXX DE XXXX BYMAILONLY XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Bank credit cards Contact Information XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XXXX  Inquiry Date XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Automobile dealers, used Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX inquiries XXXX XXXX - XXXX  Date of Report : XX/XX/XXXX logo XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Credit unions Contact Information XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Removal Date XX/XX/XXXX Business Type Other collection agencies Contact Information XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXX The Fair Debt Collection Practices Act ( FDCPA ) is the main federal law that governs debt collection practices. The FDCPA prohibits debt collection companies from using abusive, unfair or deceptive practices to collect debts from you. The FDCPA covers the collection of : Mortgages.XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Several accounts tried to be opened that was not me and is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
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: Information belongs to someone else

Complaint:
I recently checked my credit report and had some accounts that I have never seen before. It says XXXX XXXX  and a XXXX XXXX   neither of which I have done business with. I believe these accounts have been obtained fraudulently and someone committed identity theft with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-05
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
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. Several years ago someone broke into my office and stole several ID documents, including my social security card, driver 's license and passport. I filed a police report with the XXXX Police Department. The XXXX   approved my report and gave me the official report number # REPORT NUMBER : XXXX I have attached a copy of the report to this complaint. 

I found a checking and savings account was opened in my name due to identity theft. The account was opened at XXXX XXXX XXXX. I did not authorize or have any knowledge of this account.

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