BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-09
Company: EdFinancial Services
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I requested a refund for student loans that i completely paid off from Edfinancial Services on XX/XX/XXXX for the amount of {$16000.00} which I paid on XX/XX/XXXX. When I called to ask for a refund, they stated that it would take 6-8 months for them to reinstate the loan. Why is it taking them this long to reinstate, and possibly affect my loan forgiveness, especially when other major student loan providers have a 72 hour reinstatement timeline? Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XXXX XXXX 2017, I opened a business account with Bank of America. Initially, everything was going fine. They sent me a welcome email on XXXX XXXX 2017 and they let me know that my business debit card was coming in the mail. On XXXX XXXX 2017, I tried to activate my new business debit card and it said the card could not be found. I spoke with a customer service representative and they told me that my account was closed. I asked why it was closed and all she would say is that " it was a business decision. '' I asked to speak to her superior and she told me that I could but they would tell me the same thing. When I spoke to her superior, I was told again that my account was closed and she did n't have to give me a reason why the account was closed but it was on page 2 of my contract stating that they could close the account at any time. I told her I 've never received any contract and I could not find any information stating this information. I filed a complaint with the Better Business Bureau on the same day. On XXXX XXXX 2017, I received a call from XXXX XXXX and he stated he was with the Complaints Department with Bank of America and he received my complaint from the Better Business Bureau and he wanted to know what happened. I told him what happened but something about this guy did n't sound right with me. He told me that he would look into the matter and get back to me as to why the account was closed. What I could n't understand was he was able to pull up my information in his computer yet he could n't see why the account was closed? I grew more suspicious of XXXX XXXX and thought this guy is going to come up with some sort of lie as to why the account was closed which to this day, there 's no reason for at all. The next day, I received a packet in the mail from Bank of America welcoming me to their bank and issued my bank account number. I called XXXX XXXX and told him that the customer service representative on the phone expressed to me that I would not be receiving this packet in the mail because the account was closed, yet I received it. All this guy could tell me was it was already sent off and they can not control when the packet would arrive at my house but he would get back to me no later than XXXX XXXX 2017 which he said was on a Monday. When I looked at the calendar, it falls on a Saturday. These people are going around the world and back to come up with a lie as to why they closed the account and no one ever gave me an honest answer. I 've since learned through reading complaints about Bank of America that this has happened before where they 've closed people 's accounts for no reason.

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 2017-06-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had a very difficult time  with OCWEN. I have tried to submit for a loan modification a couple of times. I was never able to communicate to the same person which always caused confusion. Ocwen always seemed to lose my paperwork, which I constantly had to re-fax. I also had a very difficult time understanding the overseas representatives.      I am now in a full modification review with all the documents  Ocwen  has requested submitteed. I was told by my assigned rep  XXXX   XXXX  that the foreclosure would be placed on hold while I am in review. Today I have been notified th at Ocwen has  a sale date of  XXXX / XXXX / 17  on my home.     My husband is  XXXX   years old and this is causing a great deal of   XXXX   and concearn. We feel like Ocwen h as lied to us and backdoored a foreclosure sale date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Good afternoon. 
After an investigation By XXXX XXXX XXXX XXXX, XXXX XXXX ( Case number XXXX ), into my XXXX XXXX account number XXXX. 
XXXX XXXX issued a final bill for the Total amount of {$980.00}. 
Last month I did pay {$95.00} off {$980.00} and now XXXX XXXX are trying to collect the wrong amount of {$1900.00}. 

Thank you for your help. 
XXXX XXXX XXXX and XXXX. 
XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, NY 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 2017-06-16
Company: Sessoms & Rogers, P.A.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
This is a debt/judgment that I owe and I am trying to pay ( that was not an option for me to choose on the previous page ).   On  X/X/17    I tried to pay a collection agency  Sessoms and Rogers  of what I owe from credit card from  XXXX  bank. I used their website to enter my checking account information. I received a receipt that I made the payment. A week passed and the collections agency did not take the money from my checking account. I called the  Sessoms and Rogers  to tell them that the money was still in my account and a representative told me that it was ok it took time for the funds to be removed. Another week passed and the funds are still in my checking account. I called again and another rep. told me they received word they could not find my account that is why they could not retrieve the funds. So I asked this Representative that I can pay the debt now and they told me no because my account is closed. The told me I had to contact  XXXX . I called  XXXX  to see if could pay them and they told me no too because my account was closed.  Sessom and Rogers  told me they would have to ask  XXXX  for permission to open the account so I can pay my debt. As of today,  X/XX/17    I still can not pay them and I feel like they are playing a game with me. I have never heard of a credit card or collections company that would not take a payment. I am trying to rectify this because I am in in the process of trying to purchase my first home and the judgment has to be off of my credit report.   Also, my credit report says money due is {$2300.00} but  Sessoms and Rogers  says I owe {$2600.00} that I have been trying to pay. Is that legal they are charging me more?   All I want is to rectify this, pay what I owe so it can be taking off of my credit report. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 act XXXX XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A States I have a 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 non-monetary relief
Consumer complaint received 2022-09-09
Company: Experian Information Solutions Inc.
State: NE
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 had 4 inquiries on my report> I called experian as they said I cant dispute those online. I asked them to investigate and have them removed and agent refused. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed.

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 2020-04-22
Company: Experian Information Solutions Inc.
State: NV
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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 2017-06-16
Company: Optio Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I received a call from  XXXX  to call her that is when  XXXX  low with a nasty rude attitude and say to my son with the same nasty attitude, then  XXXX  low said to me i am tried off playing game with you and your son, i have not been talking to this child because that is what she is to me,  XXXX  low have been talk to my son about the payment arrangement, then i call to talk someone that is over these peoples and that is when this boy got on the phone with a nasty and rude   XXXX   over, the phone so i cursed him out, then i call back to get the last name, when  XXXX  said to me you are dealing with a lot of crazy peoples around here   XXXX   reuse to give  XXXX  last name, then  XXXX  reuse give me  XXXX   XXXX  to see when he will be back to work,  XXXX  with his rude month said i do n't know i ; m not on a cell phone, these peoples need to be fired the se two peop les did't care to hear what you have to say whatsoever, when you get rude and nasty unprofessional represnting a company they sure be fired, what goes around comes around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, has violated my rights.

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 a 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 2022-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
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:
XX/XX/XXXX {$1200.00} Amount charged for goods never delivered. 
Disputed the charges capital one on XX/XX/XXXX capital one sided with Merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-16
Company: EQUIFAX, INC.
State: CO
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:
Equifax continues to report outdated and obsolete information on my account.     They refuse to delete it because they state that the law reads they do not have to delete it until the information is outdated 7 years from the date of the last activity.     The law reads that the original delinquency date is the date when the account first became delinquent, or past due. Delinquencies ca n't stay on your credit report more than seven years from the original delinquency date, even if you pay your bill in full the very next month.  <P/> Credit bureaus are to REMOVE the outdated information on an account seven years after the original default date no matter who has bought the debt or when, the account has to come off your credit report.  <P/> Mr.  XXXX , I.D . #  XXXX , a supervisor at Equifax says is it from the date of the last activity. He does not know the law and Equifax should be fined for falsely misconstruing and violating the law. The law states it is from the date of the first delinquency not the date of last activity.  <P/> I want the outdated information removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 FAIR CREDIT REPORTING ACT XXXX account # ending XXXX from XXXX XXXX XXXXXXXX BANK 15 U.S.C 1681 section 602A states I have the right to privacy.

15 U.S.C 1681 604 A section 2 It also states that a consumer reporting agency can not furnish my 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 non-monetary relief
Consumer complaint received 2021-10-27
Company: MoneyLion Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-11
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I opened an account with Wayfair. Their credit is with COMENITY-COMENITY CARD. MY acct number is ... XXXX. 
I paid the amount owed. However, every month the bill me for late charges. I paid at first because I did not want them to ruin my credit. I just kept getting late charges for months. 
I finally sent a final payment and asked them to close account. I received a letter stating that they closed my account. However, every month they bill a late fee. This is not any amount I owe on merchandise. It is only monthly late charges that I do not owe. 
Please assist me in getting this off my credit. I'm sure they are reporting that I owe when I do not. I've paid more than I owe in late charges on a {$0.00} balance account. Please HELP me resolve this sutuation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-09
Company: GOLDMAN SACHS BANK USA
State: AZ
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 received a bill for an Apple card via email. I called apple and reported that I did not open an account. They told me the could start a fraud case but it would not be settled until I filed a claim with you and the police and reported it to 3 credit agencies. This all happened over the last week. XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-27
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
They have been breaching of my information tampering with my funds going in and of my account as well as tampering with my personal things and subliminal messages to me thru mail and staff members they proceeded with an investigation on who was altering and messing with my data

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 2017-06-16
Company: Experian Information Solutions Inc.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I went through a name change when I got married in XX/XX/XXXX, changing my last name to XXXX from XXXX. I also moved and reported that to both the school and Federal Student loan dept. When it came time for my deferrment to end and to start paying, the company sent all the letters and payment requests to the old address that was NEVER forwarded. It was n't until the collections showed on my cbi reports that I was aware of the problem. By that time the XXXX XXXX XXXX XXXX transferred all my accounts to their delinquency credit collector who refused to accept my paperwork for repayment for 1 year and half! After finally threatening the credit agency with an attorney after speaking to one, the collection agency accepted my repayment plan on their own " made up '' terms. The credit reports continue to show the accounts as derogatory and unpaid since original date reported. I have been paying since contract with the credit company. The XXXX XXXX XXXX XXXX 's collection department has racked up over $ 7k in interest by stalling this process all along. When I call the XXXX XXXX XXXX to try to pay the entirety of the balances off with consolidation loans, they reject my requests and say their is nothing I can do but to stay in this ridiculous repayment program. They took my husband and I 's XX/XX/XXXX tax return and applied all $ 7k to the loan balance even though the credit program I contracted under said this garnishment would not happen. It 's ruined my credit and I can not buy a home. I have disputed it with all 3 credit bureaus. The cbi 's removed it and then it reappears again the next month. An attorney has advised me to contact your agency to help. 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 2021-10-27
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have a Chase XXXX XXXX XXXX that is linked to United Airlines. It has a yearly fee of {$95.00}. In exchange for the fee, it promises ( among other things ) 2 United Club one-time passes per year. These are supposed to be distributed automatically on the anniversary of receiving the card. I didn't receive any for this year. I asked for them and after many hours on holds was told that they would eventually be distributed to me. I've never received them. I have paid the fee though.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: The Savings Group, Inc.
State: OR
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:
Hi, I am not aware of any such inquiry or provided content to anyone to pull my report. Not sure why it has been added in my credit history. I want this to be remove and add my account to freeze so that no else can pull it again until freeze is released. 

This seems like a fraud issue where my DETAILS are compromised and resulted in pulling my credit. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: CAINE & WEINER COMPANY, INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This is XXXX XXXX & I am giving my consent to Caine & Weiner to communicate with me via email or phone on documents that were disclosed on the phone with Supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-27
Company: EQUIFAX, INC.
State: NY
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:
This organization is continuously seeking for the debt that I do not owe. I am enclosing my Identification, Identity theft report from the Federal Trade Commission and the Notarized Identity theft Affidavit proving it is in Fact me that submitted this report. I meet all of the requirements for blocking and removing of this account from my credit report under 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am trying to get approved for a loan. Equifax does not have a credit score for me. After trying to verify my identity by sending my SSN card, drivers license and pay checks for two years, they say that I do not have any lines of credit although I have multiple credit cards and a student loan. The other two credit bureaus have credit scores for me. Equifax told me the name of the person, birthdate, address of who they have under my SSN.

Company response to consumer: Closed with explanation