BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-09
Company: AES/PHEAA
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have been trying to contact FedLoan Servicing for a request of information on my account for the past month and half. I have called them multiple times through their XXXX number and have been told I would receive a call back later. I called on XX/XX/XXXX, XX/XX/XXXX, and twice today. In addition, I have contacted them via their email request and have not heard back from them ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ). I also filed a complaint with the Federal OMBUDSMAN and have received no notification or message about my request. I have also submitted my IDR request with proper documentations on XX/XX/XXXX and am still waiting for a reply. However, when I submitted my IDR request on XX/XX/XXXX, I received results on XX/XX/XXXX. It baffles me how I can contact XXXX about the XXXX  and not receive any information or feedback, but when I submit paperwork that pertains to payment plans, they are quick to calculate and reply back. 

I have been placed in forbearance for times in which I was in school, but yet still working at approved XXXX employment. I did not receive notice that I was being put in forbearances and when I spoke to XXXX in XXXX of XXXX, I was assured that my employment while going to grad school was going to count towards my XXXX. I am now finding out, that they in fact are not counting it and will not reply to any of my emails or calls to speak about the issue. I would like to file a complaint on XXXX giving out false information over the phone, lying about my eligibility of the XXXX, as well as refusing to contact me about my account. This is absolutely unnecessary and outright robbery. I do not believe they have the best practices for consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I 'm applying for HELOC. The bank gave me three reasons why I was not approved. I satisfied all the reasons and they are still giving me the run around. The last time I applied for a loan it took them 5-6 months to approve and only after I reached out to this office.

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 2021-12-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX a deposit of {$6500.00} was made at the XXXX XXXX branch of Wells Fargo. Funds were supposed to be released the following day. On XX/XX/XXXX it was found that a hold was placed on the entire XXXX check deposit. Wells Fargo was addressed as to why this hold was placed on the check as we have history of depositing these checks without hold before. Wells Fargo was unable to give us and answer and continued with the 7-Day hold. On XX/XX/XXXX I went to the bank to discuss the hold and remedy the problem. The hold was released on the {$6500.00} check and cash was given 2 mi in the amount of XXXX. That night they place the hold on the check again, making my account overdrawn over {$6000.00}. Transactions including my medical insurance where declined and Wells Fargo charge me {$35.00} for each declined transaction. My insurance it's scheduled to be canceled due to non-payment/ payment rejection by Wells Fargo XXXX It is now XX/XX/XXXX and my account is still overdrawn over {$6000.00} with Wells Fargo refusing to release the hold and provide me information on why the check is still on hold and proof of non-payment by the issuer of the check. Wells Fargo has not provided any documentation or proof of non-payment and refuses to release the hold of my check. That's my account continues to be overdrawn and incur fees and my bills and payments continue to be rejected by Wells Fargo.

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 2022-04-28
Company: EQUIFAX, INC.
State: PA
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: Was not notified of investigation status or results

Complaint:
To Whom It May Concern, Please be advised that I have received your computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third-party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me on XX/XX/2022 by certified mail that I questioned the accuracy of a few items on my credit reports. That request was written by me and mailed by me- not a third-party agency. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 
Here again is the incorrect information being reported : 1. 15 USC 1666b a creditor may not treat a payment on a credit card account under an open-end Aconsumer credit plan as late for any purpose FDCPA 807 False misleading information FDCPA 8012 furnishing deceptive forms must remove late payments under CARES For AM XXXX XXXX  Account Number : XXXX THIS ACCOUNT IS INACCURATE I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME Additionally, there is NO law that states a consumer can not use a third party, so using that as your excuse is a irrelevant. In fact, the United States Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so shameful. 
I reserve the right to sue a credit bureau for violations of the Fair Credit Reporting Act and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process even further. 
I realize disputes can be expensive and it is your job to stall them, but you do so at great risk. Please take notice that this letter dated XX/XX/2022 is formal notice to you that I am requesting that you continue forward with my original investigation request and please send the results to me within 15 days. I therefore legally and lawfully refuse your " form letter '' thus giving you only 15 days not 30 more. 
I am annoyed and outraged at your accusation and I have researched my rights in regards to my credit file. Please expedite my original request immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: PNC Bank N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I applied for a PNC checking account on the date of XX/XX/XXXX, but never received the {$300.00} bonus as advertised. 

I tried to contact PNC a couple of times and the specialist, on XX/XX/XXXX, told me that I am not qualified because the application was approved ( early XXXX  ) after the promotion period ( The offer is good through XX/XX/XXXX ), although the application was submitted within the promotion period. 

However, the PNC customer service person, on XX/XX/XXXX, provided totally different information. She indicated the promotion period is based on the application date, and I should not have any problems, even if the approval is not immediate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-24
Company: Bread Financial Holdings, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
On approximately  XXXX   XXXX , I was with my grands whom I wanted to make a purchase for. I am  XXXX , am a widow to  a US  veteran, and although I have good benefits the advertised fixed payment option was perfect. My grandson wanted a  XXXX . It clearly states io eBay if approved  for PayPal cre dit, the payments would be a certain amount. I clicked the button, was approved and then told it was not eligible due to being a high risk item. M y   PayPal  account was then limited to only being able to add funds, but not make or withdraw. They have asked for at le ast 4 form s of identification and proof of address and now tell me they will keep my information and I can not use the account. I have a deep accent and am elderly. I also offered to send in my birth, marriage, and credit reports that confirm my identification and current address. There is no check to my credit and I 've not received any assurance my credit line would be closed. Since I see no issues on my credit report I have no other idea but that it is associated directly to my having a heavy accent and being elderly. I called my creditor and bank to see if they had received a call fro m PayPal to co nfirm my statement information which was requested and they had not so a proper investigation has not been made and I 've been unfairly judged and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: CITIBANK, N.A.
State: NV
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
COMPLAINT ABO UT CITIBANK PROMOTION - FA LSE ADVERTISING/SCAM Please see attached proof from the bank er (   XXXX   ) ind icating the account she opened for me - did qualify for the promotion and I would get paid the  XXXX  on  XXXX   XXXX  /17, as th e promo stated.       I* have attached correspondence from  CITI a nd myself for your perusal along with the advertisement from the bank The promotion was for  XXXX  - I deposited $  XXXX  had the banker told me she could not honor the promotion without opening a checking account - I would have told her to open a checking account and deposit  XXXX  into the checking account and leave the remaining  XXXX  in the savings account. that IS A NO BRAINER - SHE DID NOT SAY THAT AND SIMPLY SAID I DO NOT HAVE TO AND GAVE ME THE CONFIRMATION. I AM UNABLE TO SCAN THE DOCUMENTS, SO I AM GOING TO FAX IT OVER TO YOU Thank you

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 2022-04-28
Company: CITIBANK, N.A.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
During a phone call with Florida XXXX XXXX XXXX XXXX, the caller threatened to close my account if I did not pay immediately and sent the credit bureaus my negative comments showing multiple late payments on my account. I explained I had lost my job but payments were being made, the lady said I would lose my account and she was going to close my credit card if I did not pay the full due amount by the " end of the 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 2022-04-28
Company: AMERICAN EXPRESS COMPANY
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I booked a trip via the American Express XXXX XXXX ( Trip ID : XXXX ). One of the benefits of the program is that they will price match the lowest rate of another travel website. I found a rate that is almost {$800.00} cheaper than the one that I booked with American Express. When I go tot he website to submit my lowest rate guarantee claim, I am continue to receive errors. After being on the phone with AMEX XXXX for over an hour last night I was told someone would contact me today about it. When I received a call this morning from a supervisor they stated that there is nothing that they can do unless I submit the form online. Multiple days have now passed and the form continues to error out online and there is no possible way to submit the form. This is verging on fraud and without a resolution I will be asking my state 's Attorney General to begin a criminal investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-01
Company: EQUIFAX, INC.
State: MS
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 submitted my first complaint with equifax on XX/XX/2021 about a fraudulent item from XXXX that was on my credit report, I notified the company about the item on my credit being fraudulent and also submitted an cfpb complaint ; since then, the company never responded to my original complaint and has added 2 duplicated copies of the same fraudulent account to my credit report dropping my score even further. I've also sent in an notarized identity theft identity theft affidavit stating that I had no knowledge of this account ; but they have not helped me rectify this issue in any shape or form! Now i'm being forced to cancel my 1 previous dispute because Equifax has added 2 extra collection accounts that are exact duplicates of the one account that I am disputed, and its has furthermore, hurt my credit score! Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: Receivables Performance Management, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am a   XXXX   XXXX    XXXX  patient currently undergoing several  XXXX  and  XXXX   XXXX . I have been off work o n disability a nd received some funds from taxes and offered to pay 40 % of this debt as I have obviously a lot of bills with  XXXX . The debt was way below this and I 'm sure this agency paid very little for the debt. They refuse to help me with my hardship. I do n't believe they should be able to continue to add fees, harass or collect on a debt of such a sick person. I am hoping you can help intervene so I can stop worrying about being sued and harassed. I wish they would accept an amicable agreement

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2019-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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: Their investigation did not fix an error on your report

Complaint:
This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that CAPITAL ONE BANK USA has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to mis-report. More confirmation of the aforesaid item too. My proper request must over, I was never 30 days/60 days/120 days late in any of my payments and I 'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks! 

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account Number : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: EQUIFAX, INC.
State: WY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I am filing this complaint because Equifax delete d SEVERAL a ccounts from my credit profile per my last dispute, and after checking my account today, those accounts that have been flagged as " This item has been deleted from the credit file '' still remain. I am attaching a copy of the investigation results that notate EVERY account that needs to be, and should be deleted IMMEDIATELY!   Per FC RA 611, Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ],   Requirements relating to reinstatement of previously deleted material.   Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to sub-paragraph ( A ), the information  may not   reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate.   If any information that has been deleted from a consumer 's file pursuant to sub-paragraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than  5 b usiness days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under claus e ( ii ), a co nsumer reporting agency shall provide to a consumer in writing no later   than 5 business days after the reinsertion date.
( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.
I did not receive this required notification. In essence, this is a serious violation of the FCRA. I may choose to exercise my right to pursue further action. I INSIST that you immediately delete this listing from my credit report if you would like to avoid me moving forward with my said rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-09
Company: WELLS FARGO & COMPANY
State: MN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/XXXX at XXXX PM ( XX/XX/XXXX ) I received a text asking if I attempted to make a Zelle transfer for {$2000.00} " Reply YES or NO '' I replied " NO '' from there I received a text back saying " Thank you for your confirmation, case id # XXXX '' Then, I received a call at XXXX PM from a Wells Fargo number from a man claiming to be a representative for Wells Fargo stating that he was going to help me undo the money that had been fraudulently sent out of my XXXX. The representative had me verify my phone number and address so a new debit card could be issued and sent to my house. I logged into my Wells Fargo account. The representative had me add myself to my XXXX and XXXX myself {$1000.00}, then another {$1000.00}, then {$1400.00}. When I said the text only stated {$2000.00} was taken, he reassured me that since the text had been sent, the scammers had taken another {$1400.00} out of my account. The representative told me I was undoing the transactions that the scammers had just done. Once the money was sent, he hung up and I drove straight to my local Wells Fargo bank to get some help. There, they created 3 fraud claims for me, one for each of the transactions made. They told me that the number that called me was in fact a Wells Fargo number and they aren't sure how someone called me from it. I was also told that by making those XXXX transactions, I had actually been sending the money to a fraudulent bank account XXXX XXXX XXXX Wells Fargo had decided to not reimburse me my money because they could not find the fraud on my account. I am sharing this for others to see and to fight Wells Fargo, XXXX XXXX  and XXXX to get my {$3400.00} back. I have reason to believe that one of Wells Fargos own employees was the fraud on the other end of the phone. If it wasn't an Employee, Wells Fargo has scammers breaching their phone lines and hacking their phone systems which needs to be investigated.

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 2018-05-31
Company: FIRST ADVANTAGE CORPORATION
State: GA
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:
i called and spoke to XXXX who is a supervisor on XX/XX/2018, they speak poor English and pretend to not understand English, i requested that they remove all inaccurate item, to date XX/XX/2018 they did not even do the dispute,

Company response to consumer: Closed with explanation