BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-02
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 fraud alerts or security freezes

Complaint:
I am applying for a consumer ( home equity loan ) and my lender is unable to obtain my credit report or scores. I have tried to remove any " freeze '' on my credit reports but the reporting agencies reflect I do not have a " freeze '' in place. 
PROBLEM : I can not remove a freeze nor can the lender access my credit report. 
I have made the loan application and have three days to resolve the access issues.

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 2018-07-26
Company: Clearview Resolution Services
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX left messages with no details threatening proceedings saying I have only a certain amount of time to respond with a statement threatening to come to my place of business and will not stop calling. I dont know who they are, who they represent, have never received anything in writing and they call using fake phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-21
Company: Capital Management Services, LP
State: AL
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:
I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with XXXX to tell them I had already paid and settled this account and its still reporting the same

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 2018-02-07
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: Account information incorrect

Complaint:
My closing date for the XXXX XXXX  credit card is allegedly the XXXX of the month. However, according to XXXX  the last time my account was updated was XX/XX/XXXX. It states my babalnce is {$470.00}. Additionally, a replacement card ( that was ordered do to a fraudulent charge ) that never arrived at my house is listed on the account. I paid the balance off in full on XX/XX/XXXX. My account should have been updated by now, XX/XX/XXXX. I spoke to a supervisor, XXXX who stated she could not or would not correct the 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 2022-12-21
Company: EQUIFAX, INC.
State: PA
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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX has violated my rights for the amount of {$770.00} and {$6600.00}. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : also states a consumer reporting agency can not furnish a account without my written instruction to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18
Company: FMA Alliance, Ltd.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Have been receiving repeated calls ( XXXX calls from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX - see attached documentation ) from XXXX XXXX who is attempting to collect a debt from XXXX people with the same last name ( see attached document ). My wife spoke with them on XXXX and informed them that the number they are calling belongs to us. We received the number from XXXX when we switched from XXXX to XXXX. She requested that we be taken off the call list which they said they would do. They have not, and they are continuing to call us. As the attachment shows, we receive multiple calls on some days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: CITIBANK, N.A.
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 information incorrect

Complaint:
XXXX  indicates i opened an account with them on XX/XX/XXXX and on a different beauru it states XX/XX/XXXX this information is false. Account number : XXXXXXXX XXXX XXXX XXXX Indicates i opened account on XX/XX/XXXX And for another beauru it states XX/XX/XXXX Thats false information aswell DSNB MACYS Is also reporting inaccurate information I have so much fraudelent information and it is devastating, i meed it removed as soon as possible, this is hindering my future. 

XXXX XXXX Amex XXXXXXXXXXXX XXXX XXXX XXXXXXXX All these companies are targets.

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 2023-07-07
Company: Experian Information Solutions 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:
I am writing to bring to your attention an unresolved issue I have encountered with Experian regarding incorrect information on my credit report. Despite my initial contact with them on XX/XX/XXXX, I have not received a response to date. I kindly request your assistance in resolving this matter. 

Below, I have outlined the specific details of the inaccurate inquiries on my credit report, along with the required corrections : Unauthorized Inquiry : Company Name : XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXXXXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXXXXXX XXXX XXXX of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX Date of Inquiry : XX/XX/XXXX Unauthorized Inquiry Company Name : XXXX XXXX XXXX XXXX  Date of Inquiry : XX/XX/XXXX Request : Please remove these inquiries from 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 2022-02-07
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have been using chase both checking and savings account for several years. I have recently been a victim of phishing scam where someone posed as a business that was XXXX XXXX and had accesses my account. This happened from XXXX XXXX through withdrawals on debit cards. I also do NOT do any online savings transfers but the scammer got a hold of my information and made movements on my accounts that I was not aware because they showed a bank account screen that was fake. ( I did not know this until I actually went into a bank on XXXX and reported to the banker at the XXXX XXXX Bank on XXXX XXXX XXXX. I did not feel that at any time that Chase protected or helped clients because they should have the teller 's ask about large withdrawals me. " Know your customer Act '' should have been used but at no given time did I feel the bank protected me from this situation. I find myself having to report this to several federal bureaus as suggested from the XXXX after they helped me with who to contact. I also was told that I should submit reports to the FBI. I need Chase to help me with recovery because certainly the online savings that was done as fraud because I did not do this. I need to know what you can do to help. I will also be contacting the consumer fraud department on our local TV station? Often times that seems to help consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26
Company: AES/PHEAA
State: OR
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 am not sure if this is the appropriate menu choice for my concern. I have 3 student loans - two of which I have been repaying since XXXX. My employment since mid XXXX has been in PSLF qualifying positions with the exception of a few months. If it doesn't add up to 120 months, it is darn close. My concern is about these two old student loans, not my more recent loan for grad school. 

Due to confusion about PSLF and how the program worked, in addition to inconsistent information, I did not re-consolidate my loans to XXXX XXXX from XXXX XXXX till XXXX. I am hopeful that by the design of TEPSLF, I may qualify for forgiveness for these two older loans. I have emails documenting all of the  interactions described below. 

To date, I emailed TEPSLF to inquire about details and whether or not I may qualify - didn't want to waste their time or mine! I was effectively told to go away, apply for PSLF and be denied before they would engage me in any dialogue. 

I applied for PSLF around XX/XX/XXXX, and my application for some reason was converted to an ECF in the XXXX XXXX system. I re-applied for PSLF again XX/XX/XXXX, and was subsequently denied a few weeks later. I then promptly emailed TEPSLF per the instructions on the Department of Ed site, and the reply was that I was ineligible because I hadn't applied for PSLF and been denied. I then replied to this email and attached the denial letter from XXXXXXXX XXXX and asked that they reconsider this. 

I also called to inquire, and was told by the operator that since my loans pre-XXXX were not XXXX XXXX, I shouldn't be concerned - my loans hadn't been " the right kind '' so I wouldn't qualify for TEPSLF anyway. Besides, I had been paying on them for 6 years, so I only had 4 to go! In fact, my tally of qualifying payments is closer to just under 5 years per the XXXXXXXX XXXX evaluation from XX/XX/XXXX. I asked that I receive an official evaluation and documentation of my approval ( or expected denial, per her feedback ). At this point, I am awaiting feedback from my last TEPSLF email requesting reconsideration of my request and including the PSLF denial letter sent XX/XX/XXXX. 

As with many experiences with XXXX XXXX and XXXX XXXX I have found that if I speak or email 3 different representatives with the same concern, I get at least two different answers. This is still very frustrating, but expected at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-07
Company: Netspend Corporation
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
The problem started back in XX/XX/2021 and after sending numerous emails I am still unable to access my cards. I have seven cards in total each to the value of XXXX making it a total of XXXX. I earned this money answering surveys on a survey panel internet site. The company asked me to send copies of my identity which I have done but they have still not released my funds. They either don`t reply to my communication or if they do reply they include links that I am unable to click on. I have told them about this issue but they just don`t reply to my email.

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 2023-04-19
Company: DISCOVER BANK
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I, XXXX XXXX, am a consumer in fact and I am writing to provide written notice to the creditor of a billing error contained in my statement. Pursuant to 15 USC 1666B ( 1 ), I have identified a credit balance error.

I am writing this compliant because of an error in the posting of a credit to my account, pursuant to 12 CFR 1026.10 of the Truth in Lending Act ( TILA ). I understand that I made two payment on my account, but the credit was not posted in a timely manner, resulting in an inaccurate account statement.

Under the provisions of the TILA, creditors are required to properly credit payments made by consumers and to provide accurate account statements that reflect all payment activity. It appears that Discover have failed to comply with these requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-26
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have asked LVNV FUNDING LLC to validate the alleged debt that this person claim that I owe, and all this person have provided me are statements and signatures to an Alleged account that this person can not prove is mine. 
LVNV FUNDING LLC have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) b Validation of debts.

LVNV FUNDING LLC failed to validate this alleged debt.

This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) Furthermore, LVNV FUNDING LLC does not have any jurisdiction or authority to even collect on this alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-07
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 am a victim of identity theft. I recently received a copy of my credit report and found the follow inquiries that were not authorized by me. XXXX XXXXXXXX XXXX ( Bank ) XX/XX/XXXX, XXXXXXXX XXXX XXXX Bank ) XXXX XXXX, XXXX, XXXX XXXX ( Finance ) XX/XX/XXXX, XXXX XXXX XXXXXXXX ( Bank ) XX/XX/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 non-monetary relief
Consumer complaint received 2023-02-25
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I lost my physical credit card on XX/XX/XXXX. 
Since that time my card was used on several purchases I did not authorize ( see attached ). 
Not only were these transactions large, and placed after I lost my card, but they incurred cash advance fees which themselves are problematic because XXXX ) the transaction generally are not cash advances and XXXX ) interest and fees have accurred. 

I reported this activity to the bank when I noticed this on my statement first on XX/XX/XXXX. I locked the account. 
To my surprise, I never was issued a provisional credit and nothing was done, and my account was unlocked without my consent. So on XX/XX/XXXX I again reported the transactions and locked my account. Again, no credits were issued and I received no correspondence or updated. So on XX/XX/XXXX I again reported the transaction, locked the account, and again no update or credits were issued. 
On XX/XX/XXXX I called the company, I again reported the incidents, I was told a provisional credit would be issued in 24-48 hours. 

Then on XX/XX/XXXX I got a bill from the company which claimed my account was past due and showed the full balance along with additional accumulated interest and late fees. 
On XX/XX/XXXX I called, first I was told no provisional credits were issued because I did not make a minimum payment. However, I did not have to make a minimum payment because the amount of the provisional credit I should have received was larger than the entire balance since the fraud went on over multiple billing cycles, of which the prior one I paid. 

Thus, Barclays is not following the law, they are not issuing me provisional credits, they are telling me I do not qualify unless I make a minimum payment ( even though they owe me money as I already paid for one of these fraudulent transactions ). 
They continue to assess late fees and interest, and they have provided me with NO correspond or updates.

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 2023-07-07
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
I paid a {$170.00} deposit for a service I did not get. The email from the thief business on XX/XX/2023 says, " we will process your refund '' but they haven't because the owner is a thief and scammer. He has IGNORED all my emails trying to get my money back. I filed a dispute with navy federal who also IGNORES my secure messages that are supposed to be responded to in 2 business days!!!! NAVY FEDERAL CUSTOMER SERVICE XXXX!!! I want my {$170.00} refunded IMMEDIATELY and I want my messages responded to IMMEDIATELY!!!! THIS IS COMPLETELY UNACCEPTABLE!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-07
Company: Experian Information Solutions Inc.
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2018-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX, I deposited a check to Bank of America, in the amount of {$8000.00} but the check was payable to my wife. I deposited the check in my account. My wife told me not to deposit in my account. So I called the bank to cancel the deposit. The banker told me it was on hold. I asked why it was on hold, The banker told me the system automatically put the check on hold because it has a different name. The banker said the check may be rejected. The banker said there a debit transaction of {$8.00}, XXXX. He asked if I recognize that transaction. I told him I dont know that transaction. He told me theres a contact number by the transaction and I need to speak to them. The banker transferred me to business credit card department. I was told in the business credit card department that since I had balance on the credit card they took the balance out of my checking account. They did this without my knowledge. I told them its my wifes check. I told them since check is not in my name and fund is not mine, can they reverse the fund. The representative said since its in my account, its considered as my money. After I disconnected the call, I went the branch and told them the check I deposited, belongs to my wife. banker told me If the recipient name is different from the account holder, You can not make a deposit. I told to call the check processing department to find out more about it. I call back to customer service and they said I should talk to the fraud department. On XX/XX/XXXX, I called the fraud department and they said since the name on the check is different, the check shouldnt have been deposited. At that time check was on hold and debit transaction was pending. They said they will reject the check on XX/XX/XXXX midnight and will give me back the check in three business days. But the next day check looks like cleared So I called the customer service again and they transferred me to the fraud department. I spoke with someone in the fraud department again and they told me the check was cleared. I asked why them why the check was cleared after I was told the check shouldnt have deposited so check will be rejected that day midnight and will return it in three business days. The banker just told me check was cleared and no fund can reversed. I was told speak to their investigator. The investigator said they couldnt see image of the check so they couldnt help me. I spoke with fraud department and banker at the branch and was told the check never should have been deposited. 
I think they should give me back the check and Cancel the debit transaction that the bank of america business card department has withdrawn.

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