BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-02
Company: AES/PHEAA
State: IA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I have Federal Student loans that are in default with the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have been trying to get these into a reinstatement agreement since XX/XX/2019. I had sent in the paperwork twice. First in XX/XX/2019, where I was informed the paperwork wasn't correct. However, when I asked what I needed to correct I never received anything in the mail ( which I repeatedly left voicemail messages for ). I finally was able to get someone to help ( not with XXXX XXXX XXXX ), and sent in the paperwork in early XX/XX/2019. After a couple of weeks, I contacted XXXX XXXX XXXX in early XX/XX/2019. The agent I talked with ( XXXX XXXX ),  told me they received my paperwork and that I owed {$5.00} a month, but that my agreement form wouldn't be sent out to me until I made my first payment. On XX/XX/2019 I made my first payment of {$5.00}, on XXXX XXXX XXXX 's website ( Invoice # XXXX ). I then called XXXX back on XX/XX/2019 and talked with XXXX, he told me they didn't have my payment applied to my account. He then berated me, used profane language, and threatened me with not being able to be in the reinstatement program. I gave him the invoice number and he said he would contact their accounting department. XXXX and I were able to get back in touch on XX/XX/2019 ( the date I told XXXX I would call back ). He informed me they still didn't have my payment on my account ( even though it had been 26 days since the payment was processed ). 

It seems like XXXX/XXXX  are lying, as it shouldn't take 26 days to apply a payment to an account. They also seem unprofessional, with the language they use, not speaking clearly into the phone repeatedly, not sending stuff through the mail when requested, and threatening to remove people from programs they have no authority to do ( only because I wouldn't give him my debit card number over the phone ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I put an fraud alert on all three credit reporting agencies because I did n't authorize any of the following inquiries. I sent letters to the credit agencies and also the company in which inquiries where pulled from and they still remain on my credit report.           TRANSUNION :  XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX   XXXX   XXXX  BANK  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX  (  XXXX  )  XXXX  Inquiry Type : Individual Requested On :  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  Inquiry Type : Individual Requested On :  XXXX / XXXX / XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Lockhart, Morris & Montgomery Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
TODAYS DATE : XX/XX/XXXX XXXX, XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious LOCKHART, MORRIS & MONT XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the XXXX XXXX XXXX for XXXX XXXX XXXX XXXX California XXXX XXXX XXXX XXXX me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC XXXX XXXX XXXX XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-11
Company: EQUIFAX, INC.
State: CO
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:
By law, I have the right to have a formal investigation performed as outlined in the Fair Credit Reporting Act. If you will not perform such an investigation, I will have no other remedy than to file a lawsuit against you. 

Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics. I have made a lawful request of you to verify a report about me in my credit files. 

I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. The following items need immediate attention : XXXX acc # XXXX Date opened XX/XX/2019 I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I paid my credit card balance of {$16.00} balance with Bank of America by the due date. However after i was charged a {$1.00}. With no explanation as to why i was charged this by the bank. I paid the full balance by the due date. According to FCRA the law states interest shall be imposed on the remaining balance after the due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-07
Company: WELLS FARGO & COMPANY
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: Confusing or misleading advertising about the credit card

Complaint:
Got a phone call and they offered to lower my interest rate. He asked for my credit card information. They hung up after I gave them a false credit card number. XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07
Company: Dream Center Education Holdings
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was enrolled in the XXXX/XXXX  classes..I was lead to believe this was a  federal loan but never the less, I completed 3 classes and then my sister was diagnosed with a rare type of XXXX. I canceled everything and moved home to NC to help her with her XXXX children and she passed away 6  months later. I finally got enrolled in school again this year with XXXX University only to be told after I completed my first classes that XXXX  University wont release my transcripts and Im on unconditional hold until the problem is resolved.. XXXX   University has been impossible to get any information out of.. I did finally find that my original loan with them was through XXXX XXXX who informed me that they dont handle those loans anymore.. Theyre trying to say I owe almost a XXXX dollar debt to them.. I dont really know what or whom Im supposed to do so that I can get on with my education so I can support my family

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: Affirm Holdings, Inc
State: CT
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:
To Whom it may concern : We are writing to you regarding the following accounts : XXXX XXXX XXXX XXXX XXXX As of XXXX these said accounts have destroyed my credit ( well over XXXX ) In late XXXX my bank account information was stolen and used in various areas of the US for thousands of dollars. I have suffered terribly from this happening and am now in the process of rebuilding. As of today XX/XX/22 all of my affirm payments are up to date and I plan to continue these payments. 

I am in the process of beginning a new job where credit is heavily weighed in order to gain employment so I ask for a goodwill adjustment on these above accounts. As you can also see prior to This I have successfully paid my account and I ask you to please work with me on this. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: Specialized Loan Servicing Holdings LLC
State: AZ
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Loan extension requested from ten year term -- -- to more additional years on time payments-NOT AN OPTION! INSTRUCTIONS- The company made it an application loan modification ... XXXX XXXX Sent many faxes with delays-185 pages-SHOWING ASSETS AT XXXX CASH and two homes no consumer debt late payments -or concerns- Many delays- Called with Delay rejected underlined items vs. circled line items then went to bank circled items and rejected cause header information was not on the page only showed the account number which matched the prior submission. Required me to send three times delaying pkg from XXXX XXXX to XXXX XXXX XXXX still 60 days from payment being late- These policies delayed kit from going to loan underwriting for 5 months. 150 days! Told thirty-days evaluation was required -- - XXXX XXXX XXXX They needed more time no commitment to when my decision would be made. XXXX XXXX XXXX They requested XXXX payment and two more trial payments of XXXX without any commitment I submitted this early-There is no reasonable explanation for late payments. " Loan was current and paid XXXX XXXX bill payment from XXXX XXXX but was rejected for interest only -- and returned not the full balloon payment -- for 121st payment. On XXXX XXXX XXXX Received loan modification for nine years only payment XXXX was XXXX prior- XXXX first mortgage exists with escrow account total is not viable. So no workable deal was made being disabled -- -a 20- year product would be viable -standard in loan industry today they made it nine. Want to refinance to reasonable payment-now lenders will not- Can not secure a loan with late notes on mortgage -- - forced to five percent interest and payment is not AFFORDABLEn with nine years as term for interest and balance after XXXX reductions in the process. Most probably I will be forced to sell my home. This is not fair or reasonable -policies favored investors and have not been true and forthright-correction needed.

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 2017-06-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 status incorrect

Complaint:
My student loans were rehabilitated and as promised defaults were going to be removed from my credit report. The student loans were sold to another company, the company that previously owned the loans still reports the student loans in a negative status, and the negative status should be completely removed 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 2022-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We received a modification offer but sent appeal of the payments to BoA they never responded to our request to lower the payment they Offered FHA loan counseling said the rescue act could do a second put at end of loan. BoA never responded their lawyer said we needed full amount to reinstate. FHA said no. 
I also asked for amount BoA would accept to payoff the loan the lawyer said he would get back then he quit. 
Attaching what we received had no clue to interest charged or how BoA arrived at the payment.

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 2019-03-25
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: Account information incorrect

Complaint:
I disputed my credit report and I found the following items that are reporting incorrectly on my credit report. I was never late on the following items : XXXX XXXX : - 30 days late reporting on XXXX and XXXX - 60 days late reporting on XXXX XXXX XXXXXXXX XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) XXXX XXXX - 30 days late reporting on ( Equifax and XXXX ) XXXX - 30 days late reporting on ( Equifax, XXXX, and XXXX ) - 60 days late reporting on ( XXXX and Equifax )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-19
Company: Law Offices of Crystal Moroney, P.C.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
1. when emailing about the debt, Moroney Law never gave the amount due in any emails ( dates of emails  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  ) 2. the name of the creditor to whom the debt is owed was not stated in any emails -The emails sent specify that disclosure or use of any of the information contained in this e-mail transmission is STRICTLY PROHIBITED ( no copy of emails for you ) 3. they have called between the hours of  XXXX - XXXX  without knowledge of circumstances repeatedly (  XX/XX/XXXX   XXXX  ) other instances can be obtained from an old phone if neccesary 4. during communication with my father the debt collector threatened to take matters to an attourney and that it would effect my credit score which caused him to call me and harrase me about a debt he isnt allowed to know about. ( they record calls )

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 2017-06-19
Company: Bayside Capital Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Bayside capital claims to own debt from a company I had taken a personal loan from in 2015 ( XXXX ). In addition to attempting to threaten to take me to court for criminal charges of theft they are also misrepresent amount i payed and currently owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX went into forebarence due to COVID constraints with Bank of America and was levied a hefty {$4300.00} COVID Interest fee. Now trying to get back on my feet after being their customer since XXXX, i am not being granted a waiver so u can cash out refi with it all going to interest.

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 2019-03-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I obtained my Credit Report to the three big Credit Reporting agencies. I got a report back from Equifax, but there was erroneous information that I disputed. Equifax subsequently sent me an email at the end of XXXX with a Confirmation Number to obtain information about dispute on-line. Today XX/XX/2019, I tried several times to use the Equifax on-line system to obtain the information, but the system would not process my request. I therefore started an on-line chat with Equifax. Only after some dialogue with the on-line chat person, did the chat person disclose the telephone number needed to talk to someone at Equifax. I could not find the telephone number any where in the Equifax information. I called the telephone number and spoke to two different people. They asked me for identifying information like name and address, which is a reasonable request. However, they then started to ask me " computer generated '' questions to verify my identity such as the date I put a credit freeze on my credit report and the monthly payment on my credit card ( which, of course, varies from month to month ). When I protested the inane questions, Equifax refused to verify my identity and refused to send me the results of my dispute. They now tell me that I can only get the results of the dispute by writing a letter to Equifax. It seems to me that Equifax is setting up highly unreasonable obstacles to me getting the information that they are required by law to provide. Please pursue Equifax and get them to change to a more reasonable and consumer friendly system to provide the required information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-25
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Bank of the West has advertised a promotion that if you open a new checking acct. and have a qualifying direct deposit and also monthly transfer to savings acct., you will get a bonus of {$100.00} and if you make 10 additional transactions within the next 2 months, you will get additional {$50.00}. I hurriedly open the acct.on XX/XX/XXXX before the XX/XX/XXXX deadline made {$250.00} direct deposits to my acct.by XX/XX/XXXX however after 1 week of acct. opening. They issued another promo stating that if you make {$250.00} deposits for 4 rolling months you will get additional {$250.00} I called up branch and they said I am no longer qualified as I am now an existing customer. 
Isn't this deceiving? Shall I close my new acct. and re-open again. 
I would like to take the {$250.00} promo instead of the {$100.00} promo as advertised.

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 2018-10-26
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:
Credit report shows that I have a XXXX  XXXX XXXX Credit Card # XXXX was opened XX/XX/XXXX. This is incorrect because I was not born until 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 explanation