BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-17
Company: AES/PHEAA
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I submitted updated applications and certifications for both XXXX XXXX XXXX XXXX ( XXXX  ), as well as XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX  ) under terms of new eligibility requirements introduced through the new " Limited XXXX  Waiver '' introduced by the Department of Education in XX/XX/XXXX. 

I submitted my updated applications and employment certifications in XX/XX/XXXX, verifying that I have been employed by approved XXXX XXXX XXXX nonprofit organizations for more than 10 years, ( from XXXX through the present, XX/XX/XXXX ) while making regular student loan payments, with some short periods of forbearance. 

In XX/XX/XXXX, my student loan servicer, FedLoan Servicing, informed me that my XXXX  and XXXX  forgiveness applications were denied because my total number of " qualifying '' payments did not total XXXX. However, my total number of eligible and ineligible payments is more than XXXX ; under the new terms of the XXXX XXXX XXXX, these payments should be approved as qualifying. They were rejected by FedLoan Servicing as " not qualifying '' because I had either 1 ) an " ineligible repayment plan, '' or 2 ) because my payment " was received outside the payment period window. '' The terms of the new XXXX XXXX XXXX state that all federal direct student loan payments -- regardless of the type of repayment plan -- are qualifying, with the approved employment certification. Late or incomplete payments are also eligible and should be approved as qualifying, with approved employment certification. 

Thus, under these expanded terms of the Limited XXXX  Waiver, my current total of " qualifying payments '' should be updated to well over XXXX -- to include all payments I made under a previously ineligible repayment plan and all those I submitted slightly late. My application for loan forgiveness was inaccurately denied under the expanded terms of XXXX XXXX. My qualifying payment count should be updated acccordingly, my XXXX application should be approved, and my loan should be discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-08
Company: HW Holding, Inc
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a demand for payment of {$1100.00} on XX/XX/XXXX, from Hunter Warfield threatening to charge 6 % interest ( which is illegal in my state ) if the debt was not paid in 30 days. These charges stemmed from my prior landlord XXXX XXXX. I had just moved out XX/XX/XXXX and never received any communication requesting payment prior to the communication sent by the collection agency, Hunter Warfield. I sent Hunter Warfield communications disputing the erroneous charges XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. These communications also requested validation of the debt. Hunter Warfield responded but never validated any of the disputed charges. XX/XX/XXXX, collections for these false charges were added to my credit file claiming I owe {$1200.00}. These false charges were reported to the credit bureau ( s ) and are now negatively impacting my credit and my livelihood.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX without any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion  paints me as a Bum. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE

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 2017-11-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On on XXXX XXXX I have called my self XXXX XXXX XXXX  in XXXX California of a debt I have with XXXX and we have made a deal that i will pay the first amount of XXXX than every month to pay XXXX in which I have done just that phone electronic to my bank as follow : XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX ( for the month of XXXX ) I finish to pay as agree according to the deal on paper XXXX XXXX send to me. As I finished to pay. Now I received another bill that I own more money as well every seconds their harassment phone call from my job and my cellular phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My name is XXXX XXXX. I have fraudulent accounts on my consumer report. I did not authorize. I sent FTC report with proof of identity.

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 2021-09-22
Company: Synovus Bank
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
So the report for XXXX is XXXX Ive been trying to dispute first progress for months and Ive asked the dispute representative today XX/XX/2021 what information are they sending to make you say its accurate and the only information they provided is the information that was a result of identity theft which is my name and my social which is really upsetting me as Ive sent several letters to them and even have my account on fraud alert and first progress keeps saying is accurate when its nit they made two duplicate accounts in my name and I want them gone, my name is incorrectly reported by then with a middle initial of XXXX when my initial isnt a XXXX The account has gotten taken off of XXXX and XXXX yet they kept trying to report to XXXX that it isnt fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Bonneville Billing and Collections
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own any debt so this call I received is on false pretenses. I do not wish to receive anymore calls about debt that I do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: SYNCHRONY FINANCIAL
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 filed a dispute in regards to incorrect items on my credit report. It has been well over thirty days and I have not received any investigation 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 explanation
Consumer complaint received 2022-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion is reporting an account that was closed as open. 
account XXXX XXXX XXXX, date XXXX copy attached. 
XXXX says it is closed and says it is reporting it as closed. 
Transunion is reporting it as open under 'adverse information. ' Other agencies are reporting it correctly ( meaning reporting it as a closed account, paid in full, with no adverse effect. ) I tried to file dispute with trasnunion on their website but their website crashes before I send it. I can't get through to a human on the phone.

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 2017-07-11
Company: EQUIFAX, 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:
I have complained to equifax and XXXX in the past about this issue and no credible investigation was ever done and it is my belief that title 15, chapter 41, sub chapter 3, section 1681c-2, subsections a and b were violated as defined under the United States Code! I have filed all the paperwork I was required to, opened a case with my local police station, and informed equifax and XXXX of an identity theft issue. Under the code, it states that equifax and XXXX are required by law, to block the information within 4 business days of the first notice, and I have sent many along with 300 different documents relating to this issue to prove that both the debts from XXXX XXXX XXXX and XXXX or XXXX XXXX or whom ever the second company wants to be called, were not mine. Equifax and XXXX are in violation of this code because they never blocked the information that occurred as a result from identity theft, even after multiple companies removed their information after finding my accusation of identity theft credible and even XXXX found my evidence credible and blocked XXXX and XXXX XXXX XXXX from appearing on their report. <P/>Now subsection C does give Equifax and XXXX the authority to remove a block and put the information onto my report if they can reasonably determine that there is an error in my request to block the information. This section can not be claimed in this matter as first, they never blocked the information within the 4 days as required by the US code. Second, there is no way they can reasonably determine that there is an issue with my request as I am the only party who has offered any evidence that my identity was stolen and Equifax and XXXX themselves have admitted that they do not request and proof from the company that requests to put damaging and false information on my report. After reading the US code, I am demanding equifax and XXXX block XXXX XXXX XXXX and XXXX from my report until they are willing to provide the information that can reasonably contradict mine or I demand the CFPB hold Equifax and XXXX in violation of the previously stated United States Code that was voted into law by the United States Congress. <P/>I will add that Equifax and XXXX should have all my previous evidence on record and it is their fault if they do not, ignorance of the law is no excuse for violating the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-13
Company: Experian Information Solutions Inc.
State: NC
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 requested a credit investigation on XX/XX/XXXX. More than 60 days have passed, and I have not received responses yet.

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 2022-02-17
Company: OPTUM BANK, INC.
State: CO
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Optum Financial opened an account under my name without my consent. I've tried to get them to close it, but they want all of my personal information, or register on their site in order to close an account I never opened. I told them they just need to close the account because I never opened it. I don't not have the account information because I never opened the account, but they keep emailing me at work regarding my Optum account. 

This is an XXXX account which I have repeatedly told my employer I DON'T WANT. I never agreed or consented to an account with Optum/

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: CITIBANK, N.A.
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Hello- I am writing in regards to a charge made on my Bloomingdales account that was returned. However, the charge has not been reversed on my credit card account and I continue to receive calls from collections. I have called Bloomingdales XXXX  times. The first XXXX times, I was assured that the returned items had been received and would be credited on my account Order placed on XX/XX/XXXX ( Order number XXXX, {$710.00} ) Order received on XX/XX/XXXX Order returned first week of XX/XX/XXXX First call was made ~ XX/XX/XXXX Second call - XX/XX/XXXX Third call - XXXX XXXX, XXXX ( placed on hold for over XXXX minutes, I hung up after that time ). 

In the second call, I was assured by an agent that a supervisor would call me. I received no call. 

I am concerned that this issue is negatively impacting my credit. Please let me know if there is additional information that I can provide. Thank you

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 2017-12-29
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Hi!I'm verified costumer at coinbase .com.I wired $XXXX from my bank to the coinbase platform .i try to buy some coins with my money and they locked my platform .I can;t buy ,sell or withdraw my own money .I e-mail them they send only automated messages .I call them they said they can't override the system ,as i ask them to put my personal information manually and unlock my platform ,and they also send me an automated message ,how to pass the ID quiz as they call .I tried every combination i could think of .So i have no access to my account They don't contact me an no help from them.Another guy recommend you guys who has the same problem and you solved it and hopefully you can help me too!  I'm just a family oriented person who try to invest my XXXX future !Thank you! case id at coinbase; XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: MIDFIRST BANK
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/22 - I received a check from my car dealership to pay for car tags. They made the check out to me, my spouse, and the Oklahoma XXXX XXXX. 

I spoke with agent XXXX by phone on XX/XX/22, and she confirmed that as long as I take it to the local branch ( that she called to confirm ), I would not have any issues with cashing it. 

I go by THAT local branch on XX/XX/22, and they advise me I could not deposit it because it was made out to all XXXX parties. 

They are providing false information, and misleading their customers. 

I only have a checking account with them, so I doubt anything will happen, but I wanted to make sure there is a record of this conduct. 

I am NOT expecting any type of resolution, because, well the big banks always win.

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 2019-06-12
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Beginning on XX/XX/2019 there were 8 unauthorized charges to my business checking account ( XXXX XXXX XXXX ) with BBVA Compass. I immediately contacted the banks fraud department to make them aware. Since the charges were still pending they advised me to deactivate the debit card that the charges were on and call back once they posted. on XX/XX/XXXX all the fraudulent charges were posted to my account and a total of {$2700.00} was deducted from my account. I immediately called the fraud department back to dispute the charges. I was told I would receive an email to confirm the dispute. I never received the email so a week later I went to my local branch on XXXX XXXX in XXXX TX. They told me they would take care of it and I would hear from them in a day or two. My local branch never called me back so I returned 2 days later to speak to the branch manager XXXX XXXX. XXXX assured me this would be taken care of and she would be in contact with me in a day or two. I never heard back from XXXX so I called her again on XX/XX/2019 for her to tell me that she could not help me and I needed to call the fraud department again myself. I called the fraud department at XXXX to ask why I still had not received my {$2700.00} back into my account. The fraud department told me that my dispute is being denied because Visa said it was verified. I explained that I without any doubt never made these overseas charges and I demanded to see proof that I made them. The man on the phone told me I would receive all the information in the mail. What I received in the mail did not provide any proof that I authorized these charges only a letter stating they were denying me. I also asked him how I can dispute this and he said for me to XXXX it or contact my local police department to file charges. Below is the breakdown of the fraudulent charges. 

XX/XX/2019 {$1100.00} XXXX XXXX XXXX XX/XX/2019 {$510.00} XXXX XXXX   XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$500.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$33.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX XX/XX/2019 {$15.00} XXXX XXXX XXXX I never authorized any of the above transactions and strongly believe that BBVA Compass is not abiding by the contractual agreement they made with me in protecting me against fraud. BBVA Compass must reimburse me for the total amount of {$2700.00} according to my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: Hillcrest Davidson & Associates
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2012, I registered for an alarm system and monitoring service for my home with XXXX XXXX. Immediately after installation, the equipment installed stopped working. I contacted the company and explained the situation. They refused to repair the problem. Consequently, we no longer paid for a service that had never been provided. Regrettably, several years later, I find that this company is pursuing me for this debt through a debt collection agency. This is a terrible business practice. The company is relying on the amount of time that has passed to pursue a bill that they had by no means earned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: VW Credit
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:
Account Closed paid off by XXXX. 
XXXX XXXX XXXX XXXX Account XXXX Account Type : Loan Total Amount Due : {$560.00} Due Date : XX/XX/2021 Your payoff quote history is provided below. 

Payoff Quote History Date Good Through Quote Type Amount XX/XX/2021 XX/XX/2021 Online Payoff {$13000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: CITIBANK, N.A.
State: CA
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:
I opened my new Citi Checking and Saving account on XXXX with promotion offer ( Deposit {$15000.00} or more New-to-Citi funds and keep 60 days to receive {$300.00} new account bonus ). 

I finished all terms by XXXX but never receive my {$300.00} bonus until I submit inquiry to Citi on XXXX. Citi responded in letter that partial of my {$15000.00} deposit is from XXXX Credits are not considered a qualifying deposit. 
The explanations from Citi is totally not acceptable. First of all, their terms only states deposit {$15000.00} or more of New-To-Citi funds. My XXXX transfer is from XXXX XXXX, which is definitely a New-To-Citi Deposit funds. Secondly, their terms never mentioned to exclude the instant deposit like XXXX from New-To-Citi deposit activities. 

Citi should honor my bonus and deposit to my account right away.

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 2019-02-07
Company: ENCORE CAPITAL GROUP 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 checked my report and noticed an account from Midland Funding for XXXX still remaining that i paid and was promised it would be deleted.

Company response to consumer: Closed with explanation