BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-01
Company: AES/PHEAA
State: ME
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:
While waiting for a final review of my Temporary Extended Public Service Loan Forgiveness Application, my student loans were forgiven under the temporary waiver. Given the added FFEL payments that were now counted, my forgiveness date should have been in XXXX. For this reason, I should have received a refund for all payments made from XXXX to the start of the Covid forbearance. However, I was one of many accounts whose NSLDS loan history data showed an extended and erroneous " In Grace '' status when my loans were still with XXXX XXXX. From XX/XX/XXXX to XX/XX/XXXX, I received bills and paid monthly, but those months appear on my loan history as " in grace ''. Everyone with student loans knows that is impossible. Grace periods never last more than 6 months and I was already paying, was not in school, and would not have been eligible for a grace period at that time, let alone one that lasted 34 months. Because of this error, those months were not counted, and my forgiveness date shows as XXXX XXXX and therefore, I did not receive a refund for any of those months I paid beyond when I would have hit 120 payments for PSLF. This problem became known by the Department of Education and the errors have been fixed for those affected who had not yet received forgiveness. Unfortunately, my loan history has not been corrected and to date, I have not received the refund I am due because as long as that error remains, my forgiveness date remains incorrect as well. I need this fixed! 

I understand that I am fortunate to have received forgiveness and I am grateful. However, this administrative error has robbed me of a significant refund of over {$8000.00} by my calculations- a refund others received only because they were not a victim of this system error. I am filing this complaint because the ombudsman/complaint process at the Department of Education is broken and the 3 complaints I have filed have been dismissed without any research or even attempt at trying to understand the nature or merits of my complaint, despite them knowing this was a system issue and my submitting proof of payments for those months. I would like someone to actually address this- correct the NSLDS errors, adjust my forgiveness date, and credit me the payments made between the adjusted forgiveness date and the start of the covid forbearance. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
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 information incorrect

Complaint:
Chapter XXXX Bankruptcy Dismissed XXXX - I've submitted proof that this is not my signature on the petition, you need to remove this immediately. 

Chapter XXXX Bankruptcy Dismissed XXXX - This was filed in my name by someone else and was fraud please remove immediately this Bankruptcy. You are reporting inaccurate Bankruptcy information. I contact my local court and no bankruptcy could be found with any of the information you have provided : Please remove this account Immediately. 

Chapter XXXX Bankruptcy Discharged XXXX - The creditor agreed to remove this account from my report. However, you are still reporting it Chapter XXXX Bankruptcy Dismissed XXXX I have a certified letter from court stating they do not verify any accounts. 

Chapter XXXX Bankruptcy Dismissed XXXX I need for you to send me the petition to verify this account. If you can not do that, then this needs to be removed Bankruptcy Chapter XXXX Bankruptcy Dismissed XXXX - You've not furnished any documentation whatsoever and this means that you are reporting false info and just do not care. I've since made complaints against you with the CFPB.

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 2017-10-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Items do not belong to me. My Identity was stolen.

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 2022-05-01
Company: DISCOVER BANK
State: GA
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 placed an order ( ORDER # XXXX ) on XXXX using my Discover Credit card. Order was delivered completely damage due to Rain. I informed XXXX that order was delivered and left outdoor in the rain which damaged the item and requested returned. 
XXXX fully agreed to return item, however XXXX never scheduled a picked up as agreed. I attempted numerous time to reach out to XXXX to get that matter sorted still no luck. 
I contacted My Discover Credit Card company to dispute that order of {$500.00}. Discover refused to dispute the amount. Discover Never attempted to properly address my request to dispute the charge. I was instead questioned numerous question and profiled as a liar. 
I stated having documentation from XXXX with statement that they will refund my money within 3-5 business days. Still Discover is not willing to reserve the charge. 

XXXX approved refund however Discover Credit Card is not willing to process that refund. 

Discover is discriminating based on phone voice and accent. As soon they notice you don't have their ( that weird American accent ) they automatically service you the way they want. I was service by 2 white female with rude and savage attitude. Very rude and not even pleasant to talk to other than fight. they make up their own policy and change them at any time. all those TV ads and commercial are fake and wrongly done. 

I am sure cancelling all my discover services with this XXXX company. By the way this is not the first time I am dealing with this company. this time I believe they too far and I am reporting them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-16
Company: Paypal Holdings, Inc
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
XX/XX/2021 I ordered some stuff off XXXX that never arived I went elsewhere to get it so I asked for my money back well it took them 2 weeks from the time I received the email saying XXXX issued the refund but paypal had no mention of it still trying to reach provider will email me with the decision then the money showed up along with my acount being locked up and for 3 days now I've called customer service and they say my funds are frozen for 180 days call the next day and then was told the can fix it it would take 1 hour and I can withdraw my funds well the hour never came so I called again to day and this time it's frozen 180 days I got upset with them then all the sudden he can fix it check my email it would take an hour and I'm sure you guessed it the clock passed 12 hours so I need some one to step In this is all cause somthing I had no control over its not much money but by me not having it when I needed it I'm in debt XXXX dollars cause paypal decided to steel my cash and it's not fair that they just do whatever they want and say you can't use paypal no more or have the funds that belong to you it's ours now and XXXX you and your bills let em stack up late fees

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: TEXAS CAPITAL BANCSHARES, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
ONLINE BANKING IS DISABLED. I CAN NOT MAKE A DEPOSIT OR WITHDRAWAL MONEY. I SPOKE WITH CUSTOMER REPRESENTATIVE THAT SAID ACCOUNT IS IN INVESTIGATION .REPRESENTATIVE DID KNOW A REASON OR HOW LONG WILL LAST INVESTIGATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-22
Company: BARCLAYS BANK DELAWARE
State: TX
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:
Items do not belong to me. My Identity was stolen.

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 2021-10-25
Company: Experian Information Solutions Inc.
State: AR
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:
On XX/XX/XXXX I sent Experian a certified letter disputing a bankruptcy that are reporting on my credit report. I received an email and letter back from Experian stating that the items in questions were 'verified ' through the Bankruptcy court as accurate and has not changed. Also on XX/XX/XXXX I mailed a letter to the bankruptcy court and XXXX XXXX asking if Experian contacted them to verify my information. On XXXX XX/XX/XXXX I received a letter from the U.S. Bankruptcy Court that that they do not provide information to any credit reporting agency. 

On XX/XX/XXXX, I received a responses back from XXXX XXXX could not verify the items in question and have deleted and updated my file with in their database. 

On XX/XX/XXXX I mailed a certified letter to Experian disputing the Bankruptcies with proof from Bankruptcy court and XXXX that the items in question could not be found from each source. I checked my Experian credit report on XX/XX/XXXX with an updated that the information is still accurate and no changes will be made. 

Per FCRA usc 1681 ( a ) Consumer reporting agencies have assumed a vital in assembling and evaluating consumer credit and other information on consumers. 

As a consumer my credit report is inaccurate and needs to be updated. Please delete the item if can not be ( verified ) in 30 days. Their is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality. I have a right as a consumer ( which is me ) to the right to privacy. I have not given any information to any credit bureaus to furnish any unsolicited documents about me which is illegal. 

This is my consent as a written permission to contact the credit bureau.

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 2022-04-06
Company: Experian Information Solutions Inc.
State: MD
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:
Please take a look at the attached letters and ID docs for verification that it is I XXXX XXXX filing this complaint. The stuff on my credit report is wrong.

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 2022-05-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Since the fiscal year 2022 started on XX/XX/2022. Capital One Bank has taken in NSF {$1700.00} and Overdraft fees {$2700.00}. 

It's over {$4000.00} dollars in fees Capital One has taken in just fees in a matter of 4 full months. 
I had shared my disagreements with the bank in the past but they just fix one day of fees and Saud they coudnt help much over the phone. 
As a small business owner with no support from absolutely no banking or any other entity support I've been trying to. Survive and make ends meet for about 3 years now, when I had asked for Capital One for a small business loan, or PPP or any type or grant I was denied and their response was that as a business I was not impacted by the Covid19 pandemic. 
Instead of helping a small business as mine, they're sinking me to failure, they did not even offered me a way to stop those indiscriminate fees that are making me fail instead of helping my small business. 

Gracias

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-20
Company: BOK FINANCIAL CORP
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I started using another account because I was not happy with Bank of Oklahoma, and I thought I weaned all my automatic / pre authorized withdraws away from that account, but apparently I missed 2, a cell phone bill ( XXXX XXXX  ) and radio ( XXXX XXXX ). these two amounts came to less than {$70.00} usd. I was not monitoring my account because I thought I had removed everything ( both accounts were not billed for several months so I did not realize they were going to come through ). These caused me to Overdraws, but I was NOT contacted by the bank, either by mail, email or phone. I did just happen to check my account like a month later and immediately emailed and explained the situation, but the person only refunded a small amount. I received a letter ( the first ) about a week ago, telling me my account was " written off ''. and reported to credit reporting agency. I then received a call and email from XXXX XXXX, " Account resolutions specialist '' about this amount, I responded via email so there would be written record, and explained that it was unfortunate that the only contact that I receive is after my account is closed and written off. Over the less than {$70.00} OD 's from auto withdraws I was unaware of, they say I owe over {$300.00}, but are willing to " discount '' 30 something percent. They are saying ( XXXX ) that I owe almost {$200.00}, and that I have been reported to XXXX. this is not right and unfair!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: SYNCHRONY FINANCIAL
State: NY
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:
Dear Sir or Madam, On XX/XX/XXXX I purchased a XXXX 18000 BTU wall AC and had sleeve cut in the wall. There is a fowl smell coming from the AC. After going back and forth with XXXX XXXX since XX/XX/XXXX, they finally decided to replace the chasis which was done on XX/XX/XXXX. The Chasis was not installed properly and their are gaps between the face of the AC and the sleeve. I complained again and another tech was sent on XX/XX/XXXX. That tech did not fix it properly and the gap is so bad that you can look underneath the AC and see outside. I went back to the store on XX/XX/XXXX and spoke to the manager and  showed him a video of the tech being unable to repair the AC. I have n't received a phone call from anyone at XXXX XXXX. I feel that I am paying for a product that is not performing as it should. I have emails i can forward to you as well as videos if needed. Please look into this for matter for me. 

Sincerely, 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 2021-06-16
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Equifax and XXXX are reporting 6 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 1st dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is not my account. Someone stole my identity and opened many accts under my name without my permission or authority. Please verify all information is truly mine, correct and accurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-01
Company: Affirm Holdings, Inc
State: MO
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:
XXXX allowed Affirm Inc to add an address to my account XXXX XXXX XXXX XXXX XXXX, MO., and a phone number XXXX without my knowledge or consent. I can not remove the address from my account or file a dispute Affirm has the address locked. 

I could not find this correct information because XXXX does not allow me access to complete credit report. 

Delinquent account are open and pass due, not allowing me a home loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME NEGATIVE ACCOUNTS REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE ACCOUNTS DO NOT BELONG TO ME NOR DO THEY RELATE TO ANY TRANSACTIONS THAT WAS AUTHORIZED BY ME. I HAVE NO IDEA WHO WAS ABLE TO OBTAIN MY PERSONAL INFORMATION AND CREATE THESE ACCOUNTS IN SUCH A FRAUDULENT MANNER. PER REQUEST I AM REQUESTING THE ACCOUNTS RE-INVESTIGATED AND REMOVED OFF OF MY CREDIT FILE AS SOON POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: M&T BANK CORPORATION
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I sent an Error Resolution Notice under 12 C.F.R. 1024.35 on XXXX XXXX, XXXX to M & T Bank. See attachment : XXXX. That notice was received by M & T Bank on XXXX XXXX, XXXX. M & T Bank replied with their letter dated XXXX XXXX, XXXX. See attachment XXXX The language in the M & T Bank reply letter is a deceptive act because, contrary to what it asserts, I did not send them a request - I sent them an Error Resolution Notice. M & T Bank 's reply confirmed that they posted the transaction, that I notified them of, without my knowledge or consent that posting is an unfair act. M & T Bank failed to correct the error and has failed to comply with its obligations under the notice requirement of 12 C.F.R 1024.35 ( e ) ( 1 ) ( i ) ( B )

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 2019-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Credit inquiries on your report that you don't recognize

Complaint:
XXXX XXXX XXXX VIA XXXX XXXX XXXX Date : XXXX2018 This inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. If you have no proof immediately I would like it removed immediately.

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 2021-12-07
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Starting from XXXX XXXX 2021 and still ongoing most recently on XX/XX/XXXX, when i sent in a dispute through a credit agency, since then Conns has consistently called me during my work hours after asking them not to since I work on the phone from home, still, they call at least 7 times a day during the workweek, they have verbally degraded me about not paying bills after I explain to read the notes on the account, they get even more aggressive. yelling at me. I advise I can only what is past due when income taxes come around and they said i owe late fees and transactions fee and additional {$1200.00} but when i asked for the contract to verify i was told you don't need that, i am telling you what it say ''. There are causing me so much credit harm and stress. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: SCA Collections, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
sca collection has re-aged an old debt in an attempt to ruin my credit.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Their investigation did not fix an error on your report

Complaint:
I have 12 inq 's on my report with Transunion that I did not authorize or do on my own, I have ID theft and have sent them a notarized fraud affidavit and still they have refused to remove them when the other bureaus have removed them.

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