BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
3rd party collection agency called not only me but my wife, advised agency debt was from a car accident that wasn't caused by us and health insurance was still given just incase. advised as a dispute. still agency called after, when called all they asked was if they was speaking to first and last name I said yes, then they proceeded to state mini XXXX with out any further verification. I then advised after the 4th time they called including today XX/XX/20 and XX/XX/20 doing same thing that I already advised the account was not our responsibility I have the info to send in to dispute account and will send in police report attached. I then asked if this was a 1st party or 3rd party collection agency, employee advised 3rd I then stated aren't you supposed to do a second form of identification date of birth, S.S, something before going through any PPI do to FDCPA employee stated yes but that he can say certain things prior, I said yes but certain things aren't disclosing all the info of the call. he then stated he's aware of FDCPA and was following company policy I stated well if your aware of the FDCPA then you would know doing something incorrectly that violates that law not only your company can be sued but you can also. he then stated " if that's what you would like to do go ahead '' while trying to speak over me which is also a form of rude and intimidating procedures. I advised mark as dispute and mark in notes if your going to call make sure you correctly verify who you are speaking to before releasing any further info. I wasn't going to complaint but seeing how careless he was when advised I feel maybe someone in the company should advise them how to correctly collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
someone has applied for credit in my name without my permission and had has several inquiries that are not mine

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 2022-03-16
Company: PlusFour, Inc
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/2022, Plus Four put a {$250.00} collection on my account. I have no idea who Plus Four is and don't owe anyone any money. Lastly, no attempt was ever made to contact me by Plus Four. Please remove the Plus Four illegal collections account from my XXXX credit report. 


Plus Four Amount {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX, Nevada XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2022, a scammer impersonating XXXX using the email address : XXXX convinced me to send three separate transactions totaling {$1000.00} through the XXXX service used by Bank of America. 

I was selling a coffee table on XXXXXXXX XXXX XXXX. I was sent a message from a person going by XXXX XXXX who wanted the table via XXXX XXXX. The individual said they had a XXXX business account ; he said he attempted to XXXX me {$500.00} after I sent him my XXXX username ; however I got an email from " XXXX '' saying that his account was suspended due to him sending me too much money and I would have to XXXX  him a certain amount in order for his account to be reactivated and then I would receive my money ; this happened three times with three separate emails ; {$200.00}, {$300.00}, {$500.00} requests. I was also speaking with this individual on XXXX XXXX  during this whole process. I was sent multiple emails from the fraudulent " XXXX '' account and thought it was actually XXXX ; however after reaching out to XXXX and XXXX the email address I realized it was FRAUD and I never received my money ; I sent many messages to this individual ; who continued to ignore my messages. I immediately called my bank about this issue to open a claim and also reported this person to XXXX. Bank of America did nothing to stop or reverse the transactions. 

Bank of America has now refused to process our claim and will not provide fraud protection over the {$1000.00} that was scammed from the checking account.

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 2022-08-29
Company: NAVY FEDERAL CREDIT UNION
State: MD
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I never received a Formal Notice of TERMINATION/SUSPENSION OF MY DEBIT CARD. My access/use of my Debit Cards has been terminated for 1 year. This action was taken for ALLEGEDLY filing too many disputes. All of the disputes that I have filed have been justified due to unauthorized charges to my debit cards. 

If I had not filed the disputes, then the unauthorized charges would have been allowed and I would have lost money that I never agreed to or authorized WHAT DOES NAVY FEDERAL CREDIT UNION EXPECT ME TO DO WHEN UNAUTHORIZED CHARGES ARE PLACED AGAINST MY DEBIT CARD THAT EITHER I WAS NOT AWARE OF OR I DID NOT AUTHORIZE!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-16
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I called the Apt that I owe fee of XXXX I asked for an invoice for the charges and they did not have me on file any more due to computer change in XXXX I moved out on XXXX, they gave me the # Pro Collections XXXX XXXX acct # XXXX, I called and spoke with an agent and I asked if we can settle and she no that they do not settle and wanted me to pay in full and I had to pay within 7days and how was I going to pay and I said you are rude and I want to speak with a manager and she said they do not have one! I hung up and was upset

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 2022-02-24
Company: Experian Information Solutions Inc.
State: AR
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:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2022-08-29
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been a public XXXX XXXX since XXXX of XXXX. I am still XXXX  currently as of XX/XX/XXXX. I feel as though I QUALIFY for my federal student loans to be forgiven at this point. 

1. The first few years of XXXX my servicer put me in a EXTENDED period of forbearance without offering me IBR, IDR or PSLF as an options. In XXXX of XXXX, Biden announced that those borrowers who were WRONGLY put into extended periods of forbearance, WILL HAVE those years count towards the 10 years required for PSLF. With those years added into my payment count, I should now qualify for forgiveness, or be extremely close to the 120 months required. 

2. I have applied with FEDLOAN ( my current servicer ) over 4 times for the PSLF program and keep getting denied. My payment counts ARE INACCURATE and those years of extended forbearance have not been counted towards the 120 required payments. I was never offered IDR or IBR or PSLF the first few years of XXXX. I was WRONGLY taken advantage of by my loan servicer. 

I should be able to qualify for forgiveness at this point and FEDLOAN is not including those years of forbearance in my payment total. My account is inaccurate and I should be qualifying for PSLF at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Monterey Financial Services 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 was paid

Complaint:
I talked to someone on the phone named XXXX and was promised that they would remove the debt if the amount of {$340.00} was paid. I paid that amount and it 's still on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Specialized Loan Servicing Holdings LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I have been asking for relief for several years. Loan was originated with XXXXXXXX XXXX several years ago and has been sold several times. I was told in XXXX of 2022 the loan was current-The are now saying it is delinquent and wont let me make a payment unless its for the full $ XXXX. I don't have that money but will pay {$2000.00}. They wont accept any payment at this point. I don't know what to do at this point. I have somebody will to buy the house but i cant make any payments

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 2016-02-28
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Other

Complaint:
I opened a credit card with Bloomindales and purchased a dress. I missed the first month 's payment so was charged a late fee and interest. This payment was due on XXXX XXXX, 2015. I paid it in full on XXXX XXXX, 2015 yet Bloomingdales has supposedly been trying to collect {$12.00} from me for 6 months and filed a charge-off on on my credit report. I have received no bills, no calls from creditors, and should n't even have a balance outstanding.

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 2016-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Wells Fargo solicited an application for a Home Rebate credit card. The employee who solicited the additional business from us misrepresented the terms of the card. 

He clearly and repeatedly said that the card came with a {$0.00} balance transfer fee, and confirmed it in response to my written question. Here is a chronology of his contact with us. I have the complete records in my files. 

Wells Fargo credit card offer timeline XXXX XXXX, 2013 - Husband receives a call from employee in the XXXX office. [ We had never heard of him and had not been in contact with anyone about the matters he wanted to discuss. ] He reviews our current business and says he has a good offer that will save us money : Among an assortment of several other dubious offers, he said that we could transfer a portion of our HELOC to a new " Home Rebate Credit Card, '' for which we are prequalified because we are " such great customers. '' The credit card will be 0 % interest for 12 months. 

Husband says to call me ( wife ). 

XXXX XXXX, 2013 - After I turned down the other offers the employee offered a " Home Rebate Credit Card '' that will rebate a certain amount of cash against our home mortgage. The interest rate on the card would be 0 % for twelve months. I asked about the balance transfer fee. He said it is {$0.00}. 

He then asks about our retirement fund assets and proposes that we bring our statements in for a review. 

I ask to see the credit card terms in writing. He says he will email them. 

He sends an email requesting certain documentation for the credit card application ( which I donot send but he finds the information within Wells Fargo 's own records ) and including a credit card disclosure statement. The disclosure says that there is a balance transfer fee of 3 %. I emailed XXXX questioning the discrepancy between the {$0.00} fee he represented and the 3 % balance transfer fee in the disclosure statement. 

XXXX XXXX, 2013 - He emails back that the fee is {$0.00}, which he writes, " was in the offer and will be in the disclosures that are being mailed to you. '' I still did n't see the XXXX balance transfer fee in what he sent, but decided to wait and see what the disclosure that comes with the card will say. 

A week or so later - The card arrives. Not only is the balance transfer fee not {$0.00}, it is 4 % -- higher than the 3 % in the disclosure that was sent. I made several calls to Wells Fargo to inquire about the discrepancy and was informed that there were no 0 % balance transfer fee offers and that I must have misunderstood. 

In the end I made a huge fuss, wrote to the manager and cc 'd XXXX XXXX, among others and received " an exception '' to allow me a 0 % balance transfer. My problem was solved, but I wonder if similar misrepresentations were made to others.

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 2022-02-24
Company: Nelnet, Inc.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I had private student loans with XXXX XXXX that were sold and transferred to Firstmark around XXXX of XXXX. I am currently in XXXX  school, and some of my private student loans from my undergraduate college loans had run out while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data. I was last approved for this in XX/XX/XXXX with Clearinghouse data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX 's message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website ( XXXX XXXX XXXX/ ) as well. My loans have been consolidated, refinanced, or otherwise modified with Firstmark so XXXX 's terms should still be in place. 

By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, that they should have on file. I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
JP Morgan Chase failed on my loan refinancing and my loan modification. JP Morgan advised me to pay off my credit card and close it in order to refinance it. It took over 130 days to come up with a no decision. Workers left the company that were working on the refinancing. Proceeds from my loan refinancing and loan modification were to be used to pay off credit card and have extra money from refinancing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: Experian Information Solutions Inc.
State: GA
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-08-29
Company: JPMORGAN CHASE & CO.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Chase Bank, has charged what they state as trailing interest. They state this interest was calculated on a XXXX balance. I have a letter from Chase stating my balance is XXXX and my account is closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-03
Company: WELLS FARGO & COMPANY
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Wells Fargo overdraft fees, unable to remove money from my bank account when needed.

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 2022-08-29
Company: Experian Information Solutions Inc.
State: SC
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 XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
XXXX XXXXXXXX XXXX XXXXXXXX # XXXX, has violated my rights. 
XXXX XXXX XXXX # XXXX, has violated my rights. 
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 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 explanation
Consumer complaint received 2020-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
THIS ACCOUNT IS LISTED ON MY CREDIT REPORT AND I AM NOT THE PERSON WHO SIGN FOR IT AND NEEDS TO BE REMOVE ASAP

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 2015-12-17
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
On Wednesday, XXXX XXXX, 2015, I agreed to a settlement with Cashnet USA for a loan I foolishly got several years ago. The agreement was to pay {$250.00} from my debit card that ended with XXXX on XX/XX/2015. I received a reminder e-mail about the arraignment on Monday, XXXX XXXX, 2015, and so in an attempt to be proactive I went to their website and made a one-time payment of {$250.00} using a different debit card. 

I ignorantly assumed that they would receive the payment, close my account, and leave me alone without me having to call them back but I was wrong. Their " system '' should have been smart enough to do that. 

Instead, they charged the debit card that I used Monday for an addition {$250.00} today, although I have XXXX e-mails stating I authorized them to only debit the card ending in XXXX, not any other card. When I called them, they contend that since I used a different card Monday that their " system '' updated my profile to that card and voided the original agreement that listed the card ending in XXXX as the card that I wanted to use, even though they sent me no notification to that effect. The ridiculous part about that contention is if the system is smart enough to update my records to a card I did not authorize to be used on the XXXX then the system should have been smart enough to know that I had already made the payment on the XXXX to satisfy my agreement. 

The use of XXXX credit card does not automatically entitle that company to void an existing agreement to use another card at a later date, and this is simply an attempt to steal more money from me. 

I want the {$250.00} back that they stole from me by debiting a card that I did not authorize them to use. This is a very deceptive business practice and they should discontinue it immediately. They should not be able to hide behind " systems '' when debiting accounts. I believe they simply are using this as an excuse to try to bill people money that they did n't agree to pay. This is quite despicable!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation