BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
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 spoke to capital one numerous of times and they said my report will be ready by XX/XX/XXXX to take inquire off that is fraud. I have been going back and fourth with them since XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I thawed my credit report on XXXX I received a confirmation that my credit freeze had been lifted. I then applied for a loan at XXXX XXXX XXXX XXXX and was told my credit had a freeze on it with Expierian. I attempted multiple times to contact Expierain by phone but was unable to speak to a representative. I was trapped in a ridiculous AI phone system that spends you around in circles multiple times over the course of 1 1/2 hours. 
My credit has not been thawed and I can not get the loan I requested because the XXXX XXXXXXXX XXXX XXXX XXXX  have a XXXX grip on my credit report and refuse to answer the phone. 
I have now received a letter stating that I must submit multiple types of documentation to prove I am who I say I am that I already did to lift the freeze. 
Please help me escape the stranglehold the idiots have placed on my credit report. 
I will probably have to pay cash to escape the tyranny these XXXX on afflicted on 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 non-monetary relief
Consumer complaint received 2022-07-08
Company: CBC Companies, Inc.
State: IL
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:
In accordance to the Fair Credit Report Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US Dept of Education ; XXXX  XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX has violated my rights Please remove ALL inquiries that isn't linked to an OPEN CREDIT CARD account. 15 U.S.C 1681 Section 602A states I have the right to privacy 15 U.S.C 1681 Section 604A Section 2 it also states a consumer reporting agency can not furnish an account without my written instruction.

I should have ONE name, ONE date of birth, and ONE address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
Company: Fay Servicing, LLC
State: IL
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: Investigation took more than 30 days

Complaint:
XXXX XXXXXXXX XX/XX/22 RE. this account has been disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-05
Company: Coinbase, Inc.
State: MT
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
XX/XX/XXXX I purchased around {$400.00} of bitcoin from Coinbase and i was Double charged that amount on XX/XX/XXXX. I still have not received a refund. Just automated responses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Dear Agent/Representative, I want to file a complaint against JPMCB/CHASE Chase Credit Cards. My JPMCB/CHASE Business Credit Card has reported three ( 3 ) late payments to all three of my personal credit report. It is supposed to stay on the business account. I have contacted JPMCB/CHASE and utilized credit repair services for this one ( 1 ) negative item on my report, but without success. JPMCB/CHASE is known to have strict policies that has not budge. We missed payments during the height of the pandemic in 2020. JPMCB/CHASE has unjust rules that after two missed payment the third reports to both business and individual credit reports. JPMCB/CHASE does not offer a forgiveness clause. This credit card is in my husbands business name, but because he got distracted by the pandemic he accidentally missed payments. I also, did not keep track of payments. Now this card has dropped my credit for over two years. We are currently in a payment plan with Chase, but this card on my personal credit report is harming my score and leading to issues with the purchase of our first home.

Please I am asking if JPMCB/CHASE can provide one ( 1 ) forgiveness for one missed payment. That way it will remove this account entirely from my personal credit report. 
Please, I beg someone to help to remove this account entirely from my personal credit report. Please considering our first time home and the pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-25
Company: Neighborhoods United, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage financed with XXXX XXXX XXXX XXXX on XX/XX/XXXX. Recently we received a letter from XXXX  dated XX/XX/XXXX claiming they provided the funds to XXXX and XXXX is the owner of the mortgage. XXXX also sent a notice dated XXXX XXXX stating that our loan has been transferred to AHP Servicing LLC due to legal issues with XXXX president. Shortly thereafter we received a letter dated XX/XX/XXXX from XXXX refuting the XXXX  claim and stating that XXXX XXXX  is still our loan servicer. AHP Servicing sent us an invoice dated XX/XX/XXXX claiming that we are delinquent in the amount of {$8700.00} for the months of XXXX, XXXX and XX/XX/XXXX. We responded with proof of payments ( to XXXX ) for the aforementioned months and AHP verbally agreed that we are current with our payments but should send our monthly payments to them. We are caught in the middle and do not know who is the actual owner of the loan and to whom we should send our payments. We have never missed or been late with a payment and do not want our credit rating affected by issues beyond our control.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-27
Company: AES/PHEAA
State: TX
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:
Dear Agent, I want to file a complaint about CornerStone Education Loan Service. This organization is run by the XXXX XXXXXXXX XXXX XXXX XXXX. CornerStone services federal student loans for borrowers all over the country. First, my loans were transferred to this company in XXXX. I had trouble paying the loans and they never offered PSLF option or IBR options. From XXXX until XXXX, I was placed on Forbearance without any true explanation of the increased interest nor information about PSLF with IBR. I feel this was unlawful withholding of information for years. Had I known, I would not have accepted/agreed to Forbearance. Therefore, with this current student loan wavier I did not qualify for loan forgiveness. I worked in a nonprofit for 13 years. Once Cornerstone stopped servicing loans, I transferred to FedLoans. There I did my own due diligence and learned about IBR. As you are aware, the lawsuits and misinformation is true and real. 
Please search this company and seek justice for us students. What occurred when these companies took over the loan is not fair or justice. 
Please help many of us who were influenced into forbearance, to get that time back, and have forbearance count towards this wavier, so that we can qualify for loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I tried to open a checking XXXX Classic checking XXXX account in santanderbank via online. Provided all the required information plus initial amount of {$250.00} to open the account. Also uploaded Driver 's license, other bank statement, utility Bills ( internet and electricity Bills ) scanned versions. But after few hours come to know that they have declined the application with some weird reason that " We regret we can not open your account and/or add your name as an owner/signer to an account with Santander Bank, N.A. 

We were unable to verify your identity or other personal information at this time. Please visit a Branch to complete your application. '' What??? 
I was suppose to get {$150.00} in 90 days as a new account opening bonus after satisfying few conditions. Why they could n't open the account - it 's a big surprise to me. 

Later I sent them inquiry regarding this which they were suppose to respond back within 24 hours which i have n't heard of till now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-26
Company: PNC Bank N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had a home equity line of credit thru PNC Bank. I received the letter in 2012 telling me my loan maturity date was coming up & I needed to either pay off the loan or renew the loan for another 10 years. I submitted all the required paperwork, i.e. pay stubs, XXXX, etc. Apparently the person reviewing my application did not know how to read a credit report. I owed approx. {$150000.00} on my mortgage & {$55000.00} on my HELOC. I did n't hear back for over 2 months & when I finally got in contact with that person they told me they could not renew my loan because I owed too much on my house. When I asked him to clarify, he told me I owed {$210000.00} on my house so they could n't renew my loan for the additional {$55000.00}. I tried repeatedly to explain that the {$210000.00} was the mortgage & HELOC & that 's all I owed. By the time I sent all the paperwork to him to prove that all I owed was the {$150000.00} & {$55000.00} the loan had come due. Because I did not have {$55000.00} to pay it off, I continued to make my usual payment of {$1000.00}. After 3 months, that person 's supervisor looked over the paperwork & saw the error but then I was told they could n't renew my loan because I had a low credit score. I had perfect credit until PNC Bank screwed it up by not knowing how to read a credit report. It finally went thru a loan modification department & I was told HELOC would be closed & converted to a signature loan @ 1 % until it was paid off & the lien would be removed from my house. I recently tried to re-fi my mortgage since my credit score has improved & the rates are low. When my bank ran my credit report, it showed the HELOC was still open & I had a {$57000.00} credit limit. After repeated phone calls to MANY people, I finally got a letter that stated the loan was closed. I gave that to my bank but now the title search shows PNC Bank still has a lien on my house. That lien will affect the rate I can get on my re-fi.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23
Company: First Data Corporation
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX on behalf of First Data Global Leasing made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, XXXX XXXX still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13
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:
I recently discovered that I am a victim of identity theft. So I am writing to request an EXTENDED FRAUD ALERT to be immediately placed in my credit file so that no new credit will be approved or issued until the lender first verified my identity. 
Fortunately, in accordance with the FCRA Sections 605B,615 ( f ) and 623 ( a ) ( 6 ), an identity theft report can be used to permanent block fraudulent information that results from identity theft, such as accounts or addresses from appearing on a victims credit report. Identity theft reports can prevent a company from continuing to collect debts that result from identity theft. Pursuant to the FCRA 605B ( 15 U.S.C. 1681c-2 ), please BLOCK ALL INFORMATION RESULTING FROM IDENITIY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am getting frequent calls from multiple numbers on my cell phone from Portfolio Recovery Associates. I have NO unpaid debts, I have never received any mail or email from this company regarding any outstanding debt. I have blocked multiple numbers and they just call using a different number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: National Education Servicing, LLC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am a XXXX currently in my last year of XXXX. I have student loans with XXXX companies, FedLoan ( ~ $ XXXXcurrently in forbearance ) and National Education . I have been able to defer/forebear my loans during my training, as a XXXX is not sufficient to make payments while supporting my wife and child. They have requested several forms over the past two months, of which i have sent to them and they have continued to reject. My loans are in delinquency currently and they have been unwilling to budge on their stance. I have explained to them that I will only need to defer payments until after XXXX of 2016 at which time I will be employed as an XXXX and my income will be substantial enough to pay off the entire {$25000.00} balance with XXXX XXXX within a few months. They have requested on separate occasions, and subsequently rejected, a copy of my fellowship contract, a letter from my program director, as well as a letter from XXXX stating the status of my Federal loans. During the period of obtaining these documents, and them being rejected, they have begun charging late fees. It seems that their strategy MAY be to make it as difficult as possible to defer loan payments so they can bill a late fee and continue to reject documents they specificaly request in order to force a payment. I am not trying to skirt payments on my loans. I just need to feed my family until XX/XX/XXXX on my XXXX. after which I will certainly be finacially secure enough to pay off the loan in a very short time. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I authorized a charge to have Bank of America Privacy to charge a monthly fee to my credit card for fraud protection. My husband and I have divorced and I have continued to ask Bank of America Privacy to stop the charges as I no longer authorize them to continue. They will not let me stop the charge. I am the owner of the credit card, and have always been the lead account owner. I have gone to Bank of America and stated I have asked them to stop the charge and they will not do so, so I wanted to dispute the charges. They will not let me dispute the charges. I feel this is a catch 22, and I am the one suffering these monthly charges that I have wanted to stop and they are making money at my expense. I am asking for your help as I feel my rights are being violated and I need this money to go towards other expenses.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 non-monetary relief
Consumer complaint received 2020-03-03
Company: Early Warning Services, LLC
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
On XX/XX/2020, I sent {$250.00} to XXXX XXXX with the email XXXX through the app Zelle for basketball tickets. I never received these tickets. I even sent a request to receive this money back from them, but of course I never got anything back. I first contacted Zelle, but because the transaction was made through my bank 's mobile app ( XXXX XXXX  ), I was authorized to contact XXXX itself. I called XXXX, and the first woman I spoke to was very friendly, sympathetic, and helpful. The next woman she transferred me to was very frank that my bank would not be able to help me because I was the one who initiated the transaction, and that it would have been different if my debit card was used. I asked her what the difference was between swiping my card and pushing a button on an app, but she couldn't give me a straight answer. She said I would have to take legal action against " XXXX XXXX. '' I notified her that I sent multiple emails to this user, and then asked how to get more information about this person so I could. She again couldn't give me a straight answer. It is frustrating that my own bank can not support me against fraud. After this happened, I saw that this exact situation happened, but the victim banked with XXXX XXXX, and was able to receive a " courtesy '' refund. If this can not be resolved, I would very much consider switching banks. It is a shame that XXXX partners with an app that is capable of allowing fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received XXXX notices from this company called Debt Recovery SolutionsLLC. 

I was informed through the letter that they had bought my account with a bill from XXXX with a bill of some amount of money. i didnt take action. They sent me another letter later that is shown through the attachment. They asked me for about {$340.00}. I called them and before they asked me to say my last XXXX digits of ssn, they said my last XXXX digits and asked me if it was correct. After i asked a few questions i hung up and started to have suspicion because of few reasons. 

1. I was a XXXX customer but right now when i received the letter i am a XXXX customer and i had payed off the rest of the bill. 

2. It was weird they knew my last XXXX digits of ssn even before i said it. 

3. I had businees with XXXX NOT XXXX. I didnt ever owe anything to that company. 

4. When i called them and told them that i would report them they threatened me about my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Monterey Financial Services LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never bought anything from this company it was a frauglant charge.. I never paid it. Because I was never aware of 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 2016-07-04
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I checked my credit report and discovered that this company has reported that I owe him a debt but I never received anything from them prior

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief