BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-24
Company: Comerica
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
Timeline Received text message alert on XX/XX/XXXX XXXX Direct Express Alert! Possible unauthorized transaction on account ending [ XXXX ]. Please call the number back of the card. Reply? Stop to opt-out XX/XX/XXXX XXXX Member made call to Direct expressed to report unauthorized use of account. Cancelled card, to wait for new card. Rep email request information regarding incident. 

XX/XX/XXXX received letter from Direct express with case number XXXX provisional credit issued notification XX/XX/XXXX direct express letter dispute declined XX/XX/XXXX XXXX i called call wait time was over 1 hr. Member unable to hold. 

XX/XX/XXXX XXXX I spoke with rep and transferred to supervisor. Wait time was over 1hr. 

XX/XX/XXXX I called direct expressed however wait time is over on 1hr unable to complete call XX/XX/XXXX XXXX called direct expresse was on hold over 1hr but was not able to connect with supervisor.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a {$50.00} prepaid Visa card ( managed through myprepaidcenter.com ) as a gift. I received the card in XX/XX/XXXX and the card 's expiration date was XXXX. I called MyPrePaid 's visa line to request a new card or receive a check, but I was told that they could only issue a new card and it would cost {$15.00}. The card states " funds to not expire, '' suggesting that I should have access to all my funds. Moreover, I discovered that they have been charging me a " Post-Expiration Monthly Account Management Fee '' of {$3.00} without alerting me of this since XXXX. This is highly predatory. As I understand it, according to the CFPB website, I am not allowed to be charged a fee ( Link : https : //www.consumerfinance.govXXXX ). Is what they 're doing illegal? Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I submitted a CFPB complaint on XX/XX/XXXX, as FedLoan Servicing was not providing sufficient information about the status of my requested refund for payments made during the XXXX freeze. My original request to FedLoan Servicing accepted on XX/XX/XXXX was for my {$19000.00} in payments made between XX/XX/XXXX and XX/XX/XXXX to be refunded so that my loans would be reinstated and become eligible for {$10000.00} in debt relief/forgiveness under the Biden-XXXX Administration student debt relief plan. 

On XX/XX/XXXX, the XXXX XXXX XXXX XXXX ( " XXXX '' ) at the Pennsylvania Higher Education Assistance Agency ( " PHEAA '' ) responded to my CFPB complaint, saying : " XXXX performed a comprehensive review of your account. This investigation included the review of all relevant account history and documentation, including any information you provided to us. As you may know, PHEAA/FedLoan Servicing did not renew its federal loan servicing contract with the United States Department of Education XXXX XXXX of XXXX XXXX XXXX XXXX XXXX ), which means PHEAA is unable to process your refund request. Although your account is not active at this time, it will be transferred to another XXXX servicer. You will receive ( or should have received ) communications regarding this transfer. Your outstanding refund request will be sent to the new servicer, who will be able to assist you with your refund request, and if approved, will result in a reinstatement of your loan balance. '' On XX/XX/XXXX, following PHEAA 's CFPB response, I re-contacted FedLoan Servicing by phone as I had not received any communications regarding the transfer of my account to a new servicer ( as indicated by PHEAA in their CFPB response ). A supervisor at FedLoan Servicing confirmed that my account had not been closed/transferred and reassured me that FedLoan Servicing would be responsible for issuing the refund to me and reinstating the loans and that my account nor this process would be transferred to a new XXXX servicer. The supervisor told me this would occur in a minimum of 90 days but could not provide further guidance or timelines. 

Now I am in a position where PHEAA is providing conflicting information on the status of my account. I am left unsure if/when I will receive a refund and be able to proceed with the subsequent steps to apply for loan forgiveness from the Department of Education by the application deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: Complete Credit Solutions, Inc.
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
{$650.00} I am requesting an investigation of the following data that appears on my credit report. Specifically, Im disputing the records that your company is sending to the credit reporting agencies.

When I disputed this record with the credit bureaus, they stated the information was verified. However, because credit recording agencies often use software that doesnt provide complete investigations, I am disputing the information directly with you. This is my right under section 623 of the Fair Credit Reporting Act ( FCRA ).

If you can not perform this type of investigation or locate all of the records to investigate this dispute, please update the credit bureaus to remove the information. 

Im also asking that you send your method of investigation, along with all records, as well as documentation that proves the account belongs to me. Then I may conduct my own investigation.

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 2022-08-24
Company: Experian Information Solutions 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 asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, and XXXX have violated my rights XXXX 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-10-24
Company: EQUIFAX, 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 is missing that should be on the report

Complaint:
On XXXX seperate occasions I called Equifax and explained to them several accounts that I have opened are NOT being reported by them. Speaking with their customer service in another country is a waste of time, they just say that the companies are NOT reporting to them over and over. 

Spoke with each and every missing lender and each lender assures me they are in FACT reporting to all three credit bureaus including Equifax. Have not had any issues with these accounts appearing on XXXX and XXXX... .ONLY Equifax NOT REPORTING The only common denominator is Equifax Attached are screenshots of these accounts as they appear on my XXXX Report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24
Company: EQUIFAX, INC.
State: AL
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:
According to the fair credit reporting act. My credit report do not match whats so ever. I remember applying for something and got denied for a repossession of a car or something, but that is weird because I HAVE NEVER HAD MYT CAR REPOSESSED. Im always on time with bills and such so them saying that I have multiple repos is not correct and has had me denied for one thing. Lastly, I have reported over 20 times about the inquires that are taking place on my credit. These inquires are not correct. I have a copy of my XXXX  credit report that only shows 13 hard inquires but I have 52 and 62 inquiries on equifax and XXXX XXXX. If this does not get resolved I will in fact being sueing them for falsifying my credit report. This is definite abuse to the fair credit reporting act. I believe in being fair and the 62 inquires that are on my XXXX XXXX and equifax all are wrong I have tried multiple times to talk with someone but get no shot at anything because the representatives are rude and think they know everything. Also it has taken wayyy over time from when we were supposed to hear something back but just got a credit report in the mail which is not fixing my credit. If I dont have my credit report match what is on my XXXX credit report I will be looking into an attorney soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other service problem

Complaint:
https : XXXX This ad was advertising an apartment, I contacted them on XX/XX/22 to apply and they asked me to XXXX them a {$75.00} application fee which I did. When I was " approved '' as a tenant they asked for a {$1000.00} security deposit before I could see the unit and this was when I realized it was a scam. The XXXX account info is : Name : XXXX XXXX Email : XXXX They are pretending to be a man named XXXX XXXX and using the phone number XXXX and XXXX. They also sent me a picture of a fake ID with a man on it and the name edited on it on XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: IL
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 submitted a letter to the 3 Credit Bureaus to fix these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
To Whom It May Concern : I am writing to lodge a formal complaint against Navient, my student loan provider, for their refusal to grant me the full 48 months of in-school deferment eligibility as outlined in the terms of my loan. Despite multiple attempts to resolve this issue, Navient has consistently attempted to gaslight me by suggesting that I have already utilized some months of eligibility with my prior loan servicer. I am absolutely certain that I have never used in-school deferment with my previous servicer, and Navient is well-aware of this fact. 

Navient has sent me documents from my previous servicer ( please see the attached files ) which they seem to have used to arbitrarily determine the number of months I have already spent in in-school deferment. However, nowhere in these documents is there any indication that in-school deferment was ever applied. In a poor attempt to resolve the issue, Navient has arbitrarily applied additional months of in-school deferment to my account, but this solution is neither satisfactory nor accurate. 

As it stands, one loan has in-school deferment expiring in XX/XX/XXXX, and another in XX/XX/XXXX. According to Navient 's own documents, in-school deferment was first applied in XX/XX/XXXX. With 48 months of eligibility, this would mean that my in-school deferment should not expire until XX/XX/XXXX. 

This issue has been inadequately resolved and poorly managed. Every attempt I have made to contact Navient has resulted in copied and pasted responses suggesting that the issue is being " researched. '' I am disappointed and frustrated with Navient 's lack of transparency and failure to fulfill the terms of my loan agreement. 

I kindly request the Consumer Financial Protection Bureau 's assistance in resolving this issue and ensuring that I receive the full 48 months of in-school deferment to which I am entitled. I have attached all relevant documents for your review and consideration. 

I appreciate your time and attention to this matter and look forward to a prompt and fair resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: MI
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:
ATTN Collections 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 2022-10-24
Company: Paypal Holdings, Inc
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX Someone pretended to be an event coordinator on XXXX and asked me to pay them the fees for a booth that I signed up for. I then paid them {$40.00} with {$2.00} fee on PayPal to their email that they listed. I didn't know at the time they were not the correct person. 
two days later, I got a message from the correct coordinator and she told me this other person was a fraud. 
XX/XX/XXXX I disputed the transaction on PayPal, it closed in the sellers favor. I tried contacting the fake " coordinator '' they are no longer communicating with me. 
I know it's only {$40.00} but this means this person is getting away with lots of other scams just like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24
Company: Ragan & Ragan, PC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XX/XX/22 I submitted a cease and desist to RAGAN & RAGAN and they are not complying with the FDCPA by still communicating with me and without my prior consent to do so pursuant to 15 USC 1692c. RAGAN & RAGAN have claimed to have sent verification for the validation of this alleged debt. Courts found in XXXX XXXX  XXXX XXXX the documentary evidence sent are not sufficient to validate a debt. Validation requires presentment of the account and general ledger statement signed and dated under penalty and perjury by the original party responsible for maintaining the account. There should be no communication or attempt to collect this debt going further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Good afternoon, I received this collection letter from Credit Collection Services owing {$1200.00} supposedly filed by XXXX XXXX XXXX which did not belong to me. I have never had a procedure done in XXXX XXXX XXXX, at all. Now I am a little concerned why they are billing me for this when I have not visited any XXXX XXXX XXXX at any location. I hope this is not a stolen identity in my part. They can call my Insurance Company since they have me on file or speak to my Medical Doctor to confirm this. SO please remove me from this claim. They keep mailing me a collection letter and I would appreciate it if those letters stop! This is under Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX. REF XXXX XXXX XXXX ( XXXX XXXX ). Please have Credit Collection remove me from their files. 

Thank you XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-27
Company: AMERIS BANCORP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hi! We were approved for HAF with payments to start XX/XX/XXXX. They have made two payments to Ameris Bank XXXX # XXXX. Ameris states they did not receive any payments from HAF. HAF  states there was two payments sent with the first on XX/XX/XXXX and another on XX/XX/XXXX. I have spoken multiple times with HAF to no avail. Ameris continues to say they haven't received it. In the meantime, our mortgage was transferred to Truist effective XX/XX/XXXX which I have notified them of multiple times and even called to verify they had the correct information. What recourse do I have as I am stuck in the middle of this mess? HAF states they have sent proof of payment to Ameris Bank. 

To make a long story short, we are missing two  payments that Ameris has received that should be forwarded to XXXX Bank XXXX # XXXX. 

I would greatly appreciate any help you can provide. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Wallace Management Company, LLC
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Problem with customer service

Complaint:
I checked my credit report on or around XX/XX/2018 and noticed XXXX XXXX  in XXXX TN had put a hard inquiry on my credit recently and one in the past. NEITHER INQUIRIES WHERE AROUND THE TIME OF MY CHECK CASHING. I called the office and asked why did they do this and she informed me that she was doing it to find my other creditors to call them to inform them of my account with them and to make my credit suffer from the hard hits. I did cash a check from them but the information was misleading and I did not consent to any credit check. The check was received in the mail as a preapprove offer. I have been cursed out and harassed by this office, and I need it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-26
Company: Early Warning Services, LLC
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:
Consumer ID # XXXX. I received my Early Warning report and notice that there was information within the report that did not have anything in it relating to me. I was a victim of identity theft and notice that this report shows several XXXX XXXX accounts that I have no knowledge of. I sent a letter to Early Warning notifying them of this including the FCRA section 605B law and all of my identification that identifies me. Within that letter I included a copy of the police report case number in addition to my FTC ID affidavit signed and notarized. I called them regarding the status of this investigation and they stated to me I had to wait for completion. These XXXX XXXX accounts all need to be removed off of my report. The FCRA 605B ( c ) explicitly sets forth reasons the CRA must provide in order to deny or rescind a block of information from your credit report.

The reasons are : 1. the information was blocked in error, or the consumer requested a block in error ; 2. the information was blocked, or the block was requested by the consumer, on the basis of a material representation of fact by the consumer relevant to the request to block ; or 3. the consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

They did not provide one of the statutory reasons that permit them to deny within the four days that the law permits.

The very implementation of the identity theft process was based on the intent of congress to remove any investigation by the furnisher or CRA, with blockage based only on an assertion of the consumer that is supported by a sworn police report. Please assist me in resolving this matter. 


SSN # XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
The servicer is Navient for my student personal loans. I have had these loans for many years, I graduated from college in XX/XX/2007. I have had a difficult time with repaying. I have been able to put my loans in forbearance and deferment. I did know that interest would keep accumulating ... but I had no choice at the time. They did not offer a lower payment or lower payment options ONLY forbearance and deferment. Only last year finally did they tell me about something similar to income based repayment and I was put on that program which really helped. I tried to apply again this year and they said I did not get approved. My financial situation has not changed at all. It is all exactly the same as last year. The amount of interest that has accued on these accounts is disgusting and is why my payments are so high. They will not do anything to help now in any way.

Company response to consumer: Closed with explanation