BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-12-17
Company: GREAT LAKES
State: PA
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:
My casewasclosedout, ( case # XXXX ), due to me being hacked which causedmetobe unable to sign into my email address. I am reporting this issue because, I believe that Great Lakes, my new servicer, XXXX are possibly, being compromised or forced by the XXXX XXXX, ( which is currently suppose to be under investigation by " The Borrower Defense Ref.Cancellation DEPT, & Ombudsmen Grp ), for alleged, direct plus loan fraud. I was emailedby " The Borrower Def ... Dept. that any loans reported can be requested to be frozen until investigation is determined. I have requested this & been approved as the email proves that I attached even in the last case # I listed above. Sorry I was unable to get back to you. 
I've requested for Great Lakes Servicing XXXX  to release my consolidation application to my new servicers, XXXX. XXXX reported via mail that Great Lakes did not do so, when they sent the request ; therefore, this canceled my consolidation application. ( I need to have these loans renewed for forbearance or deferment! Please, investigate & order for this to be done, if possible. I have requested this several times on the Great Lakes website, via phones ... Still, nothing. I keep being sent CDs, when only one was requested about my consolidation, about everything but my application being released. 
Great Lakes stated to me via " recorded line '' on phone that they were authorized, ( bullied, it seems like to me ), by XXXX XXXX, to be made to add in direct loans from XXXX XXXX XXXX XXXX XXXX XXXX to my consolidation without my consent. They aren'tallowed tooverride the XXXX XXXX. I have a right to order & change my servicer as well as decide what loans I want to consolidate. 

Thank you Miss XXXX 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 2019-12-17
Company: Paypal Holdings, Inc
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
My concern is that XXXX was able to get directly into my PayPal account and withdrawal funds for a purchase I did want to make without asking for a password or allowing me the opportunity to choose a payment method. 

My concern is I have never authorized XXXX to automatically access my PayPal account, but 'somehow ' this connection was made. It should not have been and I should be entering a password for each transaction I make with PayPal. 

I talked to both XXXX and Pay Pal and they say its my fault and I must have done something to allow it. When I asked how, they did not know. 

I was very frustrated to learn Pay Pal would allow access to my bank and credit card information without my consent ( via a password ) - and that both companies said it was my fault - if I did 'connect them ' it was a shady hidden checkbox somewhere when ordering. 

At Pay Pal I talked to XXXX ID # XXXX and she opened ticket # XXXX, but then told me I needed to go to their website and open another ticket. Grrrrr.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17
Company: PENTAGON FEDERAL CREDIT UNION
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received a hard credit pull from Pentagon Fed Credit Union. I never applied for a card with them and did not authorize them to pull 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 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 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 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 2017-10-16
Company: AMCOL Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX, 2017 To whom it may concern : I need assistance from your organization. I would like to file a complaint against a collection agency by the name of AMCOL SYSTEMS INC. 

This collection agency has placed a fraudulent collection onto my credit files, and I want this fraudulent information removed immediately. 

This agency has placed a collection in the amount of {$1500.00} onto my credit files, claiming that I owe these funds to XXXX XXXX XXXX XXXX. 

They are claiming that I owe this Care Now style emergency room this money. I have not visited that facility in over a year, and any claims that were created during my visit at that time, have already been paid in full, by my insurance carrier some time ago. 

From what I have learned, there is a lawsuit that has been recently filed against this medical facility, and I presume that this is why they have recently changed their name. 
That medical facility has a bad record of exorbitantly overcharging patients for minor services performed, as well as not crediting patients for medical bills that have been paid, they use different AKAs when it comes to collecting payments, and I suppose this causes confusion for them, so the one that suffers is the patient, because the billing staff cant keep their records straight. 

This collection agency has broken the law, they are committing slander of credit, because they are charging me for a debt that I do not owe, as well as they also did not contact me at all prior to placing this fraudulent information onto my credit files to verify the accuracy of this debt. 

They have damaged my credit rating, and thereby caused me harm, and this has influenced my ability to conduct my financial transactions, and I am seriously considering initiating legal action against this collection agency. 

I want AMCOL Systems Inc. to provide to me in writing, proof that they are licensed to collect in my state, as well as, I would like proof of their license numbers, and their Registered Agent documentation. 

I want AMCOL to respond directly back to your organization, and you can provide me with their response, I want your agency fully involved in my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: Experian Information Solutions Inc.
State: SC
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'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name XXXX XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

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 2021-12-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I would like to file a follow up complaint in regards to Select Portfolio Servicing 's ( SPS ) 12 page response to my original complaint, on XX/XX/XXXX. I was told by SPS that I would be continually given repayment plans, and/or, a loan modification until my loan was brought current. Over the last four years I have paid over {$100000.00}, on time, to SPS for a home that I originally purchased for approximately {$130000.00}, not including 12 years of mortgage payments prior to that. After completing my fourth repayment plan in four years I am being told there is a balloon payment of approximately {$39000.00}, which was not on the original repayment plan they sent me on XX/XX/XXXX. SPS has sent CFPB a copy of this repayment agreement showing absolutely no balloon payment due at the end, which went from XX/XX/XXXX to XX/XX/XXXX. I recently contacted SPS, I spoke to a representative named XXXX, about this matter. After putting me on hold several times trying to make sense of what was going on with my account, I was told she couldn't figure it out, that a Relationship Manager would call me within 24 to 48 hours, ( which did not happen ), and also she said that I should make a payment for XXXX in the same amount as my previous payment amounts, even though I have no confirmation of a new repayment plan. I am completely confused and at a loss to know what to do or what SPS is going to do about this. It is my fear that after paying over {$100000.00} of repayment plan payments on time, for four consecutive years, I am in jeopardy of losing my home due to misleading information from SPS. They constantly mislead me, changed what they said, and have not kept up their end of the agreement. Since XXXX I have repeatedly requested, and applied for a loan modification, and have been consistently turned down for the past 9 years, with no rational explanation as to why, other than the XXXX Bank will not allow it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
ATTENTION FRAUD DEPARTMENT Bank of America fraudulent XXXX transactions I recently had 3 fraudulent XXXX Transactions back to back within minutes of each other from my business checking account on XX/XX/2019. I noticed it right away. I called the BOA fraud department when I noticed the first transaction. While I was on hold I see 2 more transactions happen. I was on hold at XXXX and was disconnected at XXXX when the fraud center closed I called immediately the next day to report the again WHILE THEY WERE STILL PENDING. This time I was able to create a case. I explained to the woman that I did not make these charges. She told me they came from my IP address which was impossible because the computer is not in my or anyone possession at the time of the transactions. The woman assured me I would be refunded. 

I felt the claim was taking a while to resolve. So, 1 called every Monday for a month checking on my case. On the 5th call 5 weeks later they informed me they denied the claim! I was not notified of the denial. 

They suggest I Prove it wasn't me and reopen the case. I asked how do I prove it. I called while the transactions were pending! 

So I attached the print out of the DOOR opening IN and OUT from my alarm system company showing we were not in the store at around XXXX when these transactions took place. The last door closed around XXXX on XX/XX/XXXX when the transactions took place. 

I also informed them I had my information compromised on XXXX, XXXX and many other accounts and reported it to the FTC. 

I resumed calling weekly to check. This time they suggest I go to XXXX to have them prove my computer was compromised. I did ... .XXXX said they have no was of proving it was my ip address on XX/XX/XXXX since ip addresses change. So if they change how can boa confirm it was my computer?! 

I have lost so much money that I most likely wont get refunded. If this had happened on a credit card it would have been resolved in a day.

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 2021-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX  XXXX XX/XX/XXXX XXXX XXXX CAPITAL ONE BANK USA N A XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Hi, I would like for you to extended my bill payments for my capital one quick silver credit card and my plantinum capital one credit card company. 

By requesting a bill payments waiver program. To help me pay my bills. 



Thank you, Sincerely, Bye

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
This is in regards to my American Express Bonvoy Credit Card ; On my XXXX statement I was informed that my interest rate increased for all future purchases from 16.74 % to 22.24 %. I am a customer in good standing with on time payment history. 

The reason given on my statement is as follows : " Your new APRs are no higher than the rate you would receive if you apply for the same or similar American Express Card today, based on your FICO score. '' On XX/XX/19 I called customer service to inquire as to how to dispute or reverse this decision. Their response was ; " you can only dispute your credit score, you can not dispute the credit increase. '' I asked what the criteria was that my credit score was being judged against since this information was not included on my statement. The customer service rep had to transfer me to her supervisor. That supervisor told me that my credit score had to be XXXX to not be impacted. Since XXXX is a perfect credit score I can imagine that this new practice was impacting 99.97 % of current card holders.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I believe that I'm being harassed by the mortgage home preservation specialist pursuant to their second initiating documents requesting for information, after the mortgage company placed my mortgage account in a extended short-term payment suspension ( forbearance ), from mid XXXX until XXXX, which then a response required.

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 2022-04-29
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
On XX/XX/XXXX, after I review my credit report I found multiple erroneous information on it that did not belong to me. After reviewing with details I saw multiple addresses that did not belong to me, So, On XX/XX/XXXX, I submitted documents to the credit Bureaus requesting to update my address and remove all other addresses that did not belong to me, unfortunately, after 22 days ago, I review my updated Credit Report and I noticed that they updated my address but they did not remove the rest of the inaccurate addresses on the EXPERIAN report, I am now, taking the extra step, because I really need these addresses off of 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 non-monetary relief
Consumer complaint received 2019-12-17
Company: Livingston Financial, LLC
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
OnXX/XX/XXXX HR through my employer notify me that there was a writ of garnishment placed against me, I quickly asked for more information and was sent a package via email. I called the number listed on the packet and spoke to a lady at Livingston Financial LLC ; I asked the following questions and got the following responses. Q : what is this for? A : credit card Q : when was this account open? A:XXXX and last payment was made on XXXX. Q : can I get verification signatures, who made the last payment? can we trace that information and was told no information was available ; that they could not provide any information as they didn't have it. I went to the court house and filled a challenge of garnishment and the court date was set forXX/XX/XXXXat XXXX XXXX. I showed up at court and explained to Judge XXXX that this was not me and I provided my credit report, Judge XXXX asked the clerk if Livingston was present and the clerk said no the Judge then asked the clerk when they were served and the clerk said on the XXXX of XXXX. The Judge asked if they had been served in XXXX and the clerk said no they were served on the address on the garnishment in Utah. The Judge at that point apologized and then said the hearing would be set for another day. I told the Judge I had already been garnished and I couldnt afford to be garnished, they weren't there and they were served. I was told the garnishment would be stopped until next hearing. Please help me I have tried calling Livingston and they wont give me any information. I feel as XXXX County Court House has treated me unfair due to the fact that I was present they weren't I had proof that its not me and its not on my credit report and the Judge was not willing to hear me out. Its hard being a citizen of color and not being heard.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I was incapacitated recently and spent quite a bit of time in the XXXX and dealing with XXXX issues. Because of that, I was not as attentive to my other affairs which included my usual check of my credit card status. I noticed two charges on my card that I could not understand and contacted the Bank of America VISA offices for an explanation. We send funds on occasion to someone in a XXXX through a company called " XXXX ''. We expect to pay a fee for this service [ XXXX or XXXX dollars per transaction ] but we did NOT expect our credit card company to stack two additional fees for this transaction on top of the XXXX charges. The fees were called " Minimum Interest Charge '' and " Cash Equivalency Fee ''. Having heard of neither before, I inquired as to what these charges were based. Evidently, as best as I could understand the convoluted explanation, I had in essence given " cash '' to the person who received it and therefore had to pay a " Cash Equivalency Fee '' of {$10.00}! I maintained that I had purchased a " service '' from XXXX just like I would have done at a doctor 's office or barbershop, but NO, B. of A. does n't see it that way. When I inquired about the " Minimum Interest Charge '' of {$1.00} I was told that it was interest on the " cash '' I had supposedly given to the recipient! Consequently, our gift of {$50.00} had now cost us {$68.00}! Even though I process a significant amount every year through this VISA card they refused to remove this unfair practice from my account. I think this type of fee is one of the reasons for the existence of the CFPB and I wanted to protest this sort of usury by the Bank of America. I will be happy to assist in any way necessary to correct this unfair practice. Just a few years ago, when we would participate in a phone call to this person, we had to pay {$12.00} for a 20 minute call. There were so many complaints about this abusive practice that the situation was addressed and now it costs less than {$2.00} for the same call. If the CFPB had a hand in that change, I applaud your involvement. I think that my issues with B. of A. are equally as abusive. Thank you for your work.

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 2017-04-12
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The bill belongs to XXXX and I have been telling them this for the past two years now and after I show prove they removed one bill and sent me a letter saying that it was removed then they but it right back on my credit report and it 's not even my bill!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: STERLING BANCORP
State: MO
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
My husband spoke by phone with XXXX XXXX who was supposedly with Sterling Banking XXXX on XX/XX/19 about opening a {$250000.00} CD with him because they had such high interest rates ( 3 %. ) He emailed us the forms we needed to fill out and fax or email back to him. I filled out the forms because we were approaching the deadline for the 3 % rate. We had a couple of questions about the form so I called the number on the form he gave us and I got the message that the number was not valid. I thought the form was old so I looked up a current number online. I was on hold 25 minutes and while waiting, I noticed the bank was mostly located on the east coast : NY, PA, etc. The first question I asked the rep was if the fax number on the forms was correct since the phone number was wrong. He told me their forms were all filled out ONLINE, not on paper. There was nothing faxed back. I asked for the correct web address for their bank and he gave me XXXX. We then started checking : First, XXXX XXXX 's website is not " secure. '' Second, his email is XXXX  and is " international. : Third, his " bank '' is located in California. We almost sent him all of our personal information and {$250000.00} of my dad 's retirement money. He seemed so legit on the phone. Scary!

Company response to consumer: Closed with explanation