BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-06-07
Company: Fidelity National Information Services, Inc. (FNIS)
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 have filed numerous complaints with chexsystems pertaining to what is on my report. They keep saying I am filing frivolous disputes but will not provide me with the documentation as to what they did to verify the validity of the 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 2017-04-24
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX  was closed and I am not satisfied with the company response.   My original complaint : YOUR COMPLAINT After my  XXXX  in   XXXX   XXXX  , I decided to go into a public service position that I am still working in. I was aware of the  Public Loan Forg  iveness pr ogram and inquired about the requirements. My loans are direct and eligible. I consolidated my loans in   XXXX   XXXX  . I asked about whether this would change my eligibility and was assured that if I still made payments, I would be on track for the student loan forgiveness program. In   XXXX   XXXX  , I decided to submit my application to see where I stood. I received a response back in   XXXX   XXXX   stating that none of payments qualified. I contacted th e FedLoan  Services at  XXXX    XXXX   XXXX   to ask about this. They said it was because I consolidated my loan. They listed the eligible payment plans and said that I could pay a 10 year level payment plan and then be eligible. I stated that if I did that my entire loan would be paid off, so there would be nothing to be forgiven. She said " probably. '' I knowingly took a public service position, making less than I could in the commercial sector so that I could work towards student loan payoff. Now, after over 8 years, I am being told that my payments are not eligible. Why have a " forgiveness '' plan if you are required to pay it in full. There is nothing to forgive. I do not recall back in  2009  when I did this seeing anything that said a consolidated loan would not qualify. This program is a sham.  XXXX   XXXX  :  XXXX  University,  XXXX   XXXX , MO.     Company response : Uploaded PDF. I could not access the pdf to review the full response. I will respond to the comments listed. " FedLoan Servicing advised the borrower of the eligibility requirements for the PSLF program. FedLoan Servicing advised that the borrower 's loans were placed on  a 25-year Standard Level repayment plan, which was not eligible for the PSLF program. FedLoan Servicing encouraged the borrower to apply for Income-Driven Repayment ( IDR ), which is eligible for the PSLF program. " I was not advised that going on a repayment plan   of 25 years would make me ineligible for the PSLF program. To the contrary, I was told that if I made regular payments under the 25 year repayment plan that I would be eligible for the PSLF. I still do not understand how you can make 10 years of payments under a standard plan and still have a balance that would be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
XXXX / XXXX /  XXXX   I spoke with  XXXX , case  XXXX  of  XXXX   XXXX   XXXX   XXXX  and she had informed me that there were options in which I could save my vehicle. I had a hardship of hurting my knee back in  XXXX  and has since escalated to having  XXXX  in my knee. I 've had to pay medical office visits, prescriptions and an  XXXX . I had spoken with the young lady of my hardship and roof being damaged due to severe weather. She was very understanding but told me to try to get a payment but if I could n't she had other options to help me.     XXXX   I called  XXXX  of  XXXX   XXXX  Auto Finance and told her I was unable to get the payment as money is extremely tight and I do n't get paid until the first of the month. I am expecting a settlement for my roof damage but that has not come to fruition yet as I was hoping to catch up my payments. She then informed me that there was nothing she could do and that it would go to repossession department and they would escalate the debt. I asked about a modification and she said that was n't an option but told me to call the repossession department and they  XXXX  have some options.    XXXX / XXXX /  XXXX   I spoke with  XXXX  of  XXXX   XXXX  Auto Finance  XXXX  Department and she was not understanding at all. She was very rude and I explained my hardship and told her I was a customer with them for a long time and she said well we have a lot of customers with us for a long time but your car will be repossessed if you do n't come up with  XXXX  payment and then we have some options. I explained that I do n't get paid until   XXXX    She informed me that they would come take the car on Friday but I asked her how much time would she give me to try to come up with the money and she gave me until  X/XX/17    before  XXXX  pm otherwise they will pick up the car on  X/XX/17.  I was devastated as I ca n't work a second job as I normally would to make extra income but with the my knee in the situation it is in, I am limited and unable to work part-time. I work full-time and it 's sedentary but I just needed some time to get the payment or help with a modification. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: U.S. BANCORP
State: CO
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:
For a purchase in  XXXX  the transaction was transmitted incorrectly in  USD  instead of   XXXX  . The transaction was fo r 6 s odas at   XXXX   XXXX   XXXX   at   XXXX   XXXX   at   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  . The transaction was made on  X/X/17   . I called  EDWARD JONES MASTERCARD CARDMEMBER SERVICE  at  XXXX  on   XXXX   after noticing the mistake on my credit card app. I made this call from the lobby of   XXXX   XXXX   XXXX   XXXX   while talking with  XXXX  from  Cardmember Service i n the presence of  one  of their representatives,  XXXX . She informed us that all credit card transactions in the hotel were done in pesos. The total amount of this transaction was  XXXX  pesos. ( about {$20.00}  USD ).  My   XXXX   XXXX     statement shows the transaction as  XXXX  USD. On   XXXX   XXXX   I received a credit for {$470.00} on my   XXXX   XXXX      E.J.    MasterCard statement.I lat er received a form from  Cardmember Service abo ut the dispute, filled it out and returned it with a copy of my receipt. In a letter dated  X/XX/17    from  XXXX  at  Cardmember Service it sta ted that there was insufficient information to support my claim of an incorrect amount and they would be reversing the provisional credit dated  X/XX/17   . I called  Cardm  ember Service   X/XX/17    and talked to  XXXX  and she could not help me. She had  XXXX  call me the next day and she told me that the copy of my receipt was illegible, that I had written on it, and that voided my dispute. I believe as  XXXX  had originally told me that this transaction was transmitted incorrectly by the credit card company not the merchant. I faxed a dispute letter concerning this dispute case #  XXXX  on  X/XX/17   .

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 2021-12-10
Company: UNITED COMMUNITY BANK
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I have attached a copy of the e mails exchanged between myself and United Community Bank. United Community ( XXXX, GA ) recently acquired XXXX XXXX  which I have dealt with for a number of years. Everything seemed to be going well until I used United Community 's bill pay service. You will see from the attached e mails, I never got a satisfactory answer as to rationale for debiting my account prior to the check they issued had actually cleared. I believe that they use XXXX for their bill pay service and the check they issue is drawn on XXXX XXXX and not United Community. Someone other than me is benefiting from having these funds on deposit for the period between when they take the money and when the check is actually presented. This may be either United Community or XXXX. I plan to use their bill pay service minimally for payments that are not processed electronically in the future but many others may be oblivious to this practice. You can add to this the difficulty in determining whether the item has cleared. In my case the funds they debit before the check clears are not that significant however across United Community Bank 's or XXXXXXXX XXXX customer base, this could be millions of dollars.

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 2017-04-24
Company: Experian Information Solutions Inc.
State: NE
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I signed up for a  XXXX   credit score m onitoring. I was then charged  XXXX , the representative first says she sees the charge but then says she is unable to refund it because it has n't showed up. I called the company the same date and they will not 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 monetary relief
Consumer complaint received 2017-04-24
Company: ENCORE CAPITAL GROUP INC.
State: NM
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company has been contacted many times and I have asked to documents showing the contract I signed. They have sent nothing in response to dept validation request. In addition I was never officially informed this company was attempting to collect any debt. They have information that is not mine such as addresses.

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 2020-06-21
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I applied for an American Express Delta Sky Miles Card while I was on a Delta flight in XX/XX/2019, and started using it in XX/XX/2019. 

Regrettably, I had ONE mistake when I forgot a payment, but, I paid it off in full before the 60 Day Mark ( XX/XX/XXXX/XX/XX/2019. ) I have since set up autopay so I have never missed and will never miss a credit card payment instead.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: American Coradius International LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2021, I noticed unauthorized charges from my XXXX account and reported to XXXX right away as well as to my credit card company XXXX XXXX XXXX ). 

Starting from XX/XX/2021, XXXX sent me XXXX emails telling me I got double credits for the disputes I filed and put {$530.00} into my XXXX balance negatively. 

I called XXXX right away upon seeing these emails and charges placed by XXXX and asking for getting the issue resolved. None of my XXXX calls get the problem settled. 

Now I start receiving debt collection calls and mails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Im loyal customer and this bank denied me another credit card that offers travel rewards I applied for a XXXX credit card and was declined for one reason and my credit is good its unfair for having too many recently new accounts this isnt fair their are the only bank denying 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 2021-06-14
Company: Francy Law Firm, P.C.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I have been harassed by Francy Law firm for the entire pandemic. I lost my job due to the pandemic. Francy Law have sent two employees to my house during a pandemic threatening to sue me. To take my stuff. Putting my family at risk of a deadly global virus. I have called them to let them know I dont have a job and they keep harassing me. The total owed is {XXXX} and they are harassing me daily. Weekly. Milllions of people have died and every time they knock and hand me filthy paper work, they are putting me and my families health at risk. 

I dont even actually owe, this owes amount is fees the bank charged me. Fraudulently! After I had already closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
TRANSUNION HAS VIOLATED MY CONSUMER RIGHTS BY NOT HONORING THE FCRA THIS ( FOR PROFIT COMPANY ) HAS REMOVED AN ACCOUNT AND MADE THAT SAME ACCOUNT MAGICALLY REAPPEAR AGAINST THE FAIR CREDIT REPORTING ACT. I ALSO SPOKE WITH TWO SUPERVISORS IN THE SPECIALIZED FRAUD TEAM WHO WERE NOT EXCITED TO DO THEIR JOB IN XXXX, PA XXXX, AND ALSO XXXX XXXX. THEY BOTH SAID THAT THEY WERE SORRY WHICH THEY COULD CARELESS! AND KEPT INFORMING ME THAT THE CREDITOR IS THE REASON! IF YOU KNOW LIKE I KNOW THEN YOU WOULD KNOW THAT THE CREDIT BUREAUS HAVE TO SHOW 100 % VERIFIABLE PROOF ANYTIME THEY VERIFY AND SAY THAT A FRAUDULENT ACCOUNT IS YOURS. IF THEY DON'T PROVIDE IT THEY HAVE TO REMOVE IT! SO PLEASE XXXX XXXX EXECUTIVE VP FOR XXXX ALONG WITH XXXX XXXX PRESIDENT OF US INFO AT TRANSUNION.PLEASE GET BACK TO ME AND TELL ME WHY YOU ALL ARE VIOLATING MY RIGHTS AS WELL AS OTHER CONSUMER RIGHTS!

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 2017-04-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Back in  XXXX   XXXX , I asked Bank of America to close  XXXX  of my Traditional IRA CDs & reinvest them to a Traditional IRA Money Market accounts. I have never taken the money out of the bank. So these are not rollover transactions.     But the Bank of America agent wrongly reported the transactions as premature early distribution under  XXXX  and also as rollovers. As a result,  BOA report ed these transactions to IRS as  XXXX  Rollovers & sent me  XXXX  (  XXXX  )  XXXX  which would have gotten me penalized by IRS for having  XXXX  Rollovers in a year. Which in fact, there was no Rollover transaction at all.     On  XXXX   XXXX ,  XXXX  My wife & I went to the Bank of America branch on  XXXX   XXXX ,  XXXX  to file a complaint, but instead of correcting their mistake, they insisted that they did nothing wrong. Even the bank  manager  thought so. We spent hours at that branch arguing back & forth to no avail. We were very exhausted, wasting our time & energy trying to tell them what they did wrong. They blamed us for signing the paperwork, that meant we 've agreed on the way they did the transactions. But we are customers who got no training on how to do the banking transactions. These bank employees were supposed to know how to do their business. It 's their job! But what happened shows th at BOA did not train their  employees properly, make them incompetent to do the regular banking business transactions.     We were devastated & did n't know what to do. We were so scared to file the   XXXX   taxes because we know if we filed, IRS would audit our tax return. Up to today, we have n't filed our   XXXX   taxes, both the  Federal & CA. T his has caused us a lot of stress, we were never late to file our taxes before this incident. To make the matter worse, CA  XXXX  recently sent a letter that we have to file   XXXX   tax return by  XXXX   XXXX ,  XXXX , or they will take a legal action.

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 2017-04-24
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On  XXXX , I submitted a complaint to the CFPB ( complaint #  XXXX  ) regarding a debt that I paid in full with  Midland. Midland resp onded, however, they are still falsely and negatively reporting this debt and still calling my phone to collect on this paid debt. The debt was PAID IN FULL ( not settled ) for {$600.00} on  XXXX . I have reattached my original CFPB complaint and bank statement.     To date , Midland is  still falsely reporting on all  XXXX  credit bureaus, which has negatively impacted my credit scores. With  XXXX , they are STILL reporting a {$600.00} unpaid open balance owed. With  XXXX , they are STILL reporting a {$55.00} unpaid open balance owed. I also received an alert today that for  XXXX , they changed the balance owed to {$0.00}, but they are marking it as a SETTLED FOR LESS THAN debt when it was PAID IN FULL.     Furthermore, they have NOT dismissed or vacated the judgement with the local courts. The debt was paid -- I was never served papers. I was told by their debt  collectors  and  XXXX   XXXX  of  XXXX   XXXX   XXXX  that they hired that this would be taken care of and that it would be dismissed and not report on the credit bureaus.     I used to work as a debt collector with  XXXX   XXXX  an d Midland 's parent company Encore Capital Group  and know for a fact that they still call out and use robo-dialers and/or call numbers even after told not to - even after the CFPB came in and sued them back in or around   XXXX  . What they do is use their out of country offices to skirt the robo-dial laws in the US. The company 's prior response to my original claim denied this -- but I have saved evidence and statements from prior employees that can back up what I am saying.     What they are doing is violating the FDCPA and they need to be held accountable. I have paid my debt in full MONTHS ago. I have contacted an attorney.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07
Company: FIRST HORIZON BANK
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Opened a XXXX checking account on XXXX with terms of a {$400.00} bonus if opened with {$200.00} and receiving a direct deposit within 60 days. Opening deposit was made for {$200.00} and direct deposit was recieved on XX/XX/XXXX. Bonus only paid {$200.00} on XXXX. 

I contacted the company via secure message and was told that I had a {$200.00} promo had been applied, not the {$400.00}. There was no {$200.00} offer, only a {$400.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: TN
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 contacted XXXX XXXX XXXX some years back and spoke with a gentleman that stated he was a manager. I explained to him about being a victim of identity theft and how I notice on my report that a vehicle was on there that I do and never owned and he asked my name and address. He put me on hold and when he came back to the phone he asked if I could send my id in and I told him yes and why? He said that they will get that off there. I asked how long will it take he assured me that it will take about 90 days. Well 90 days came and went but that never came off. So I did a complaint on ftc.gov back in XXXX and received a comment back from the company legal assistant " XXXX XXXX via email, phone call and through the ftc.gov website comment section. I emailed XXXX XXXX back and stated that we could communicate via email but she never responded back. I am assuming she wanted to speak over the phone is why I never heard back from her. On the ftc website comment site the company stated clearly that they understood that the account does not belongs to me but still and yet they did not remove it. I did everything to prove to this company that this account does not belongs to me. I am a victim of identity theft. They have lied to me about removing the account from my credit report and each time I dispute it the company do an update. This company does not honor their words and are heartless. They has cost me lots of emotional distress when I have proven that this is not my account and I am a victim of identity theft. I am constantly disputing this account and the company will constantly do an update instead of removing it.

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