BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-04-06
Company: AES/PHEAA
State: PA
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:
This complaint is regarding XXXX. In XX/XX/XXXX, I observed several discrepancies regarding payment counts on my student loans. The payment count is very important, since I am doing the PSLF loan forgiveness program, which requires a total count of 120 payments. There are several discrepancies including : ( 1 ) I believe that the total count overall is too low, ( 2 ) the count for subsidized vs unsubsidized loans differs even though both are paid at the time time via direct deposit, and ( 3 ) I was apparently put into Paid-Ahead status against my will and XXXX is now claiming that those payments do not count, despite my asking that Paid-Ahead status be removed and my payments be recounted. 

In XX/XX/XXXX, I formally requested a formal Payment Recount through XXXX XXXX. By XX/XX/XXXX, that recount had still not been completed. I sent a request in XX/XX/XXXX again asking that the recount be performed. In XXXX of XXXX, I received the following message from XXXX,  stating that they are " not yet able '' to provide me with the total number of qualifying payments. 

Transcript is below : -- -- - " Thank you for contacting XXXX   XXXX! 


We apologize for not yet being able to provide you with the number of qualifying payments made toward Public Service Loan Forgiveness ( PSLF ). Since each account must go through a detailed review process, providing you with these details can sometimes take a great deal of time. 


We will notify you via letter once the review has been completed. 


Please use the " Contact Us '' link through your online account at XXXX  to submit inquiries via a secure email form. You may also call us toll-free at XXXX to reach our Customer Service Department, which is open Monday through Friday, XXXX XXXX - XXXX XXXX ( ET ). 



Sincerely, XXXX XXXX XXXX >> Original Message ... 

>> Message : Hello, >> >> >> I formally requested a recount of my PSLF payments back in XX/XX/XXXX. It is now XX/XX/XXXX, and I still have not received that recount. Of note, the main concern is that I was put into Paid Ahead Status, and that it was not my INTENT to be in Paid Ahead Status, and this has thrown off my payment counts. 
>> >> >> Could you kindly respond and let me know when I can expect to have my PSLF payment recount completed? 
>> >> >> Many thanks, >> ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CITIBANK, N.A.
State: FL
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:
I ordered some clothing on-line from XXXX 's on my XXXX 's card. The clothing came and was not as described, returned some by mail, and took the rest to the store at XXXX XXXX, XXXX FL Returned everything I ever purchased from XXXX XXXX. It took a long time for the computer in store to recognize and accept the information the CSM was inputting. She said that some may not show as it was apparently shipped from XXXX XXXX package, and those are shipped to a regional center not directly to the customer. I told her that I had not received anything from the XXXX but that the on-line service advisor said some items only available through them. 

Got the receipts and I and the CSM agreed I owed nothing. I then shredded my credit card and closed my account. The next month I called XXXX 's when receiving a bill for what had been returned or never received. 

They did nothing. Then the following month added penalties, exorbitant finance charges. Again I contacted them takes hours as it is through an international auto message center. 

So I wrote them asking them for anything with my signature charging anything. Reminded them that my card was shredded given to their credit dept and the account closed. 

They acknowledged their bank had received my letter. They never complied with the request for proof that I was the person charging something, that all merchandise had been returned that was received. 

They just keep adding usury charges and put this in the credit report as a bad debt and it came up during my application for a mortgage with XXXX XXXX XXXX in SC, and their recommended mortgage rep XXXX XXXX. 

I give up as I owe them nothing have paid all debts I did owe was not late ever, and they refuse to be responsible. This never showed on the XXXX XXXX Report monthly until after XXXX XXXX was so efficient as to send me a copy of reason for mortgage rejection. 

Please help 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 2019-04-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Capital one case # XXXX The amount {$10000.00} Someone that i know personally opened credit cards and use my identity and also got apartments and jobs and a i.d . in my name.And i got a letter stating that they are garnishing my hard earned money out my account and seizing all my wages ... for something i did not do ... or had no knowledge about.until after the fact the debt collector showed me transactions and the persons name on it ... .when i saw XXXX XXXX and XXXX XXXX ... under the transacations i then know what they did ... they open a business account in my name and made and put there names on it ... and had the cards sent to them ... .they made it look like i authorized it but i didint. so i filed a police report. because this is nonsense .... i shouldnt be having to through this. 

also XXXX XXXX the amount of {$2200.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-31
Company: EQUIFAX, INC.
State: ME
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:
I sent a dispute letter to Equifax, using section 609 of the Fair Credit Reporting Act, to get the source of information which I am legally entitled to have accurately and clearly disclosed to me. 

In this case is it the proof of debt, or original auto loan contract containing my signature for a car loan. 

Equifax has mailed me back a document stating that they " verified '' that the account belongs to me. But I did not receive the source of information I asked for. 

This is a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BBVA FINANCIAL CORPORATION
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On XX/XX/2018, Simple Bank associated with BBVA Compass bank reflected an incorrect available balance on my account of {$200.00} which was incorrected as my account was at a low/negative balance at that time and all prev purchases were still showing either pending or cleared and no transactions were missing from my bank lender showing no indications that a previous transaction didn't post or deduct fund from my account and this issue showed to be a system issue from Simple Bank not accurately reporting my current and up to date balance. Because of their system incorrectly determining my correct balance their system allowed a pre paid card previously set up on auto payment and attached to my account via a debit to deduct funds multiple times without my authorization or any funds available in the account to cover said transactions. I have never authorized Simple Bank or BBVA Compass for overdraft services or to cover my account in case of authorizations without funds to cover and appears to be in violation of overdraft regulation. This occurred due to Simple Bank system not correctly posting transactions to make account and creating a false positive balance to allow charges to clear when funds were not available. I also have screenshots from Simple 's website and mobile site reflecting these balance. I have also been being charged international transaction fees on my account when no out of country use or authorization has been preformed. I attempted to resolve this issue with Simple Bank directly but they are refusing to make right an issue caused by system errors on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Sometime in XXXX I was the victim of identity fraud due to the breach at XXXX Once I started receiving various billings on accounts I did not open I reported the fraudulent activity and filed a police report with the XXXX XXXX County Sheriff. All of the other accounts were deemed fraudulent and I was no longer billed. 
The Home Depot was a company that CONTINUED to open fraudulent accounts on my stolen identity in the area of Northern California EVEN AFTER A " PASSWORD '' WAS PLACED ON MY INFORMATION and my social security number was flagged by Home Depot Credit. I reported each account as fraudulent and received subsequent letters that the account would be closed and that any information reported to the three credit reporting agencies would be deleted.

The Home Depot, in spite of the above opened yet another fraudulent account. For the past year I have been calling every time I receive a statement and am assured that the account will be revised to show a zero balance. 
In XX/XX/XXXX, I received a past due statement from Citi Bank who services credit for The Home Depot. On XX/XX/XXXX I called Citi Bank and advised that the account was indeed fraudulent. I spoke with an individual who identified herself as " XXXX XXXX ''. I was advised by XXXX that the charges would be reversed to show a XXXX balance. 
As of today, XX/XX/XXXX I received notice that the fraudulent Home Depot account has been reported to the various credit reporting agencies as delinquent which has caused my credit score to drop over 80 points causing great damage to me in that my husband and I are attempting to refinance our home. After repeated attempts to contact Home Depot today I have been ( 1 ) transferred to a non-working number by " XXXX '' ( 2 ) after calling back a representative " XXXX '' hung up after saying he could not hear me and ( 3 ) disconnected twice. Before transferring me, XXXX read the notes on the account and reiterated that she saw that it was in fact a fraudulent account and that I should not be receiving bills. 
I have over 20 pages of evidence supporting the above-upon request I will mail copies to 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 non-monetary relief
Consumer complaint received 2018-03-23
Company: Convergent Resources, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received an alert XX/XX/XXXX that a collection item was put on my credit report. I pulled my report from the reporting agency that sent the alert, and it was XXXX XXXX. I have not received any letters certified or otherwise, an itemized bill showing that I owe this debt. This company just took it upon themselves to report this information on my credit report without allowing me to dispute it. There was a lie placed on my report stating that the debt was opened on XXXX credit report XX/XX/XXXX. I didn't have service with XXXX in XX/XX/XXXX. I didn't have any collections on my account from this company. I check my credit report all the time. This collection item has brought my score down, and has held me back from taking care of repairs on my home. Also, I've been receiving calls from a number that I am not familiar with. When I call the number back, there is a recording stating that the number is unknown. In the past, the collection agencies use these numbers to call consumers. I've never talk to this company before, so I haven't given out my number.

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 2021-03-31
Company: Paypal Holdings, Inc
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX XXXX I made a transaction through PayPal to pay for services for a vendor event. I paid this organizer in hopes to hold my spot for this event, however after investigating the person I was told to send the money to it became apparent that it was a scam as I contacted the location in which the event was to be held and they had no idea of such an event even happening. I attempted to contact the person who initially gave me the information and she reported that the name of the person I sent my money to was the " XXXX XXXX '' after a quick XXXX search I find out that this is a common scam with the same email address that is connected to someone over seas. XXXX maybe?? Not sure. But I confronted this person and told them I wanted my money back because she was a scam. I did not get any further response from them again. Unfortunately when contacting PayPal regarding this issue, they are not able to refund my money because it was sent through " friends and family '' and not as merchant goods. The amount that I was charged was {$63.00}. I went through my bank to attempt to get my money but they were only able to issue a temporary refund until further investigation ... which they are closing it as they don't do business with 3rd party transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$34000.00}, {$7700.00}, {$4000.00}, {$19000.00}, {$6000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action.

-- OPEN ACCOUNT 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$34000.00} -This is not my account. 

-- CLOSED ACCOUNTS 2. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

3. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4000.00} -This is not my account. 

4. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6000.00} -This is not my 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
Consumer complaint received 2018-09-03
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Promotional purchases & Non promotional Purchases. : * Account opens on or about XX/XX/XXXX new acct etc. 

* USA Mail theft is reported XX/XX/XXXX. Listed in the report is XXXX. 
refer to download. 

* via. XX/XX/XXXX-XX/XX/XXXX i was charged a promotional purchase non payment fee. 

* Communications store - card returned those fees and adjusted account. 

* The charge still is being charged monthly for over 16 months after adjusted by creditor. 

* Once fees are returned and account adjusted it is fraud to charge a non payment promotional fee once the fees are credited back to the account, for prior adjustments via, the creditor overall higher available balance is negative indicator in notice of the financial adjustment its reporting a indicator.. 
* Issues. : the credit card company has not reported the contents in the police report as lost/ stolen with the credit bureaus. 
* It is required it report accurate and properly. wherefore, * creditor on the deductive non payment promotional balance fees. 
* Creditor reports great payment history * Creditors mark.- high revolving balance * notes.- non payment promotional purchase etc.. 
* Denial of credit line increase. 
* In case law the account is a US Theft in the amount of value stolen {$800.00} Be advised, On XX/XX/XXXX thru XX/XX/XXXX I was advised by a credit reporting agency 's. XXXX XXXX a freer tool of a data breach my information was found in by use of 3 companies going back to XX/XX/XXXX thru XX/XX/XXXX.  In review of credit cards, and credit reports, and other financial information the credit company 's information has used i claim in 2 areas be acknowledge * The value of the police report is the contradiction of the billing department * A new card should of issued and if issued the account information with the credit reporting agency 's should have information about the close of the credit card * And have the information of the current account accurately. 
* XXXX  '.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of the data breach in XXXX XXXXXXXX, XXXX, XXXX, XXXX, XXXX, XXXX, IRS Data Retrieval Tool for FAFSA and I am very concern about the privacy of my information has been compromised and it is all over in the dark web, accounts had been open in my name. I was told to file a complaint, police report and ID theft report which are attached. I am requesting these information to be block from my credit report a in accordance with the FCRA.

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 2021-05-01
Company: EQUIFAX, INC.
State: PA
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 contacted this company 3 times disputing unverified and inaccurate information. They are not telling me how they are investigating or who does them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: H & S Financial, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This judgment is from XX/XX/XXXX. I wasn't aware of this collection action until XX/XX/XXXX. Company garnished my wages through XXXX  county and I filed for an exemption for {$20.00} a check. This was approved. They then filed another judgement for the same case number in a different county for 25 %. This is against the law. Not only is this judgement from XX/XX/XXXXand I wasn't even aware of it. I was never served or anything. But they were garnishing me for more than 25 %. Now they want me to pay them directly {$80.00} a month so the sheriffs department doesn't collect fees and they get more money. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: BARCLAYS BANK DELAWARE
State: TX
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:
XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX XXXX  Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06
Company: SYNCHRONY FINANCIAL
State: TX
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:
XXXX ... Hard Inquiry XXXX XXXX XXXX ... ... ... .Hard Inquiry XXXX XXXX Syncb/Toys  Hard Inquiry XXXX XXXX Syncb/Sams Hard Inquiry XXXX XXXX XXXX Hard Inquiry XXXX XXXX & XXXX XXXX Syncb Hard Inquiry XXXX XXXX ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX on my report in collections I called all the companies and talked with someone and their customer service would not help and remove the negative items that is reporting on my credit because I did not authorize none of these companies ... ... This is not fair that someone can mess up your credit like this

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation