BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DE
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/2021, I filled room inquiry through the online form at XXXX XXXX website, asking availability for a room with bathroom for XXXX person ( XXXX adults and XXXX kids ) for one night stay of XX/XX/2021. 

Instead of giving us a price quote, the hotel XXXX asked our credit card information and said they will not be able to confirm the room without credit card information. After I sent them my credit card information, they replied that our reservation is confirmed, but they never sent us a formal confirmation with specific room types, total room charge and cancellation policy Partially due to the reason that I never received their booking confirmation information, I did not cancel this booking. And XXXX XXXX charged me {$450.00} for XXXX night stay as no show. I do not agree upon this charge. 

I missed the reservation by mistake, but this is not the ground that the hotel can charge me anything they stated. There is no previously agreed upon price nor there is any confirmation of showing how many rooms they were going to reserve for me. I have XXXX adults and XXXX children for the trip. Based on their website description, a cottage for the price of {$230.00} for one night will accommodate my family nicely. But the hotel charged us twice as much. 

This wasnt a fair business practice of charging me inflated price without a previously agreement upon terms by anyone. The hotel never informed me the exact term of the reservation price or room ( XXXX ) in any form of communications. That was partial reason why I missed this reservation The hotel should provide me some form of contract with price stated before my hotel stay. And if I knew the outrageous price of room rate they will charge me, I would certainly cancel this the reservation. 

I dispute this charge with Bank of America. Bank of America denied my claim. I believe Bank of America made a wrong decision and treated its customer unfairly. Bank of American let the merchant freely charge the credit card without proof of any price agreement or receipt. 

The wrong doing of XXXX XXXX not telling their customer of cost of service before making charge is a violation to Fair Credit Billing Act. And Bank of America did not resume the responsibility of protecting its customers from the unfair billing practices.

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 2022-07-05
Company: The CBE Group, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX XXXX, XXXX, at XXXX a.m. ( MST ), I was contacted by the company CBE GROUP, a self-reported collection agency regarding a false debt. The company conveys that they are acting in behalf of " XXXX XXXX. '' However, upon contacting XXXX XXXX on XXXX XX/XX/2022, at XXXX p.m. ( MST ), I am informed that there exist no records of a debt in my name owed within any of the utility departments they operate. This information was reported back to CBE GROUP on XXXX XX/XX/2022, at XXXX p.m. ( MST ). Yet, they refuse to verify the accuracy of their claims of a legitimate debt owed with XXXX XXXX. 

In light of their refusal to perform due diligence to ensure the accuracy of such a debt or remove the wrongful information, I am contacting your office for assistance and protection from further financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: The Bureaus, Inc.
State: VA
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:
I just received a response regarding a previous complaint. The response contained attachments relating to named, XXXX XXXX, who is obviously not me. 

Not only is this irresponsible and egregious, sharing personal information of another consumer is just ridiculous and careless. 

All of the attachments belonging to XXXX XXXX are attached. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Navient Solutions, LLC.
State: FL
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:
I had previously been told that Navient received a refund from XXXX University, after I stopped attending. When I called to follow up, I was told the representative who gave me that information was mistaken and no such refund was received. <P/>I requested a loan discharge on the basis of ineligibility to benefit and not being qualified as I did not have a high school diploma or GED at the time I enrolled in XXXX University ( I still have neither ). To work as a XXXX XXXX XXXX in Florida, I would need one or the other. I was not given an exam or test of any sort at any point by XXXX. I 've also faxed Navient my high school transcript, which shows I did not graduate, as well as confirmation that only half of the loan was actually dispersed, obtained directly from NSLDS. The rest clearly shows " amounts canceled '' and " amount dispersed ''. They do not equal up to the loan amount they 're saying I owe. They have the principal amount as {$4300.00}. The amount actually dispersed, as shown on nslds was only {$2600.00}. They requested I get a letter from the school stating I did n't have a diploma or GED. The school is closed and there is no way for me to get the proof they 've requested. When I asked them about this, I was told to contact the Florida Department of Education ombudsman. Due to the inaccuracy of the amounts dispersed, I was referred back to Navient. They are either unwilling or unable to assist me, as I was told they could n't see what was actually dispersed when I called on XXXX XXXX, 2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-31
Company: Seterus, Inc.
State: IA
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:
Mortgage provide r Seterus Date of last activity incorrect Balance reported {$160000.00} should be {$150000.00} Scheduled payment should have always been {$940.00} Amount past due of {$2800.00} should b e  XXXX  60 to 89 days past due, is incorrect. Everything paid on time

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # 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.

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 2016-03-10
Company: American Revenue Management, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have contacted American Revenue Management on 5 separate occasions about an unknown entry they have placed on my credit. 
I find it immensely frustrating that they will not acknowledge my complaint/dispute however they continue to discuss the matter with the credit bureaus and have advised them that the account belong to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: AVANTE
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I do not know of any debt with Avante USA, I have no knowledge of any debt with this company or the original creditor. 

I have not received written notification to dispute the validity of this debt I am requesting that this debt is removed from all credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX, XXXX XXXX, 2015, I was reviewing my Suntrust checking account online and noticed a pending XXXX charge in the amount of {$560.00}. I immediately contacted the Suntrust Fraud Department to dispute the charge. On XXXX, XXXX XXXX, 2015, I went into a branch and completed paperwork to stop payment on the charge. The paperwork was processed and the {$36.00} stop-payment fee was drafted from my account. The {$560.00} charge was still in pending status therefore the funds had not been issued to XXXX. However, Suntrust allowed XXXX to draft the funds from my account. I submitted the required form to the Fraud department disputing the charge on XXXX XXXX, 2015, which I can fax to you if needed. Days later, I received the attached letter advising me the charges were valid. I asked Suntrust to provide me with the documentation they used to make their determination on XXXX separate occasions. They have not provided it. I do not have an account with XXXX nor have I had a contract with them. I want the {$560.00} returned to my account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: Midwest Recovery Systems
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hi, Today I found that my credit score is dropped because the collection agency put debt to my account. I have never heard about this agency. They never contacted me, no email, no contact, and no written mail was received from them. Also, the debt that they are put on my account is invalid since the membership account had not been activated and was closed. 
In addition, when I searched I found that this company is not existed anymore and their license is expired in 2013. There are lots of complaints against them due to the same reason. How come without any notification they can put dept on my account and reduce my score for XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: EQUIFAX, INC.
State: CA
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'm submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX OF XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$160.00} XXXX XXXX XXXX Balance Owed : {$1100.00} XXXX FIN XXXX Balance Owed : {$680.00} XXXX FIN XXXX Balance XXXX : {$1900.00} XXXX XXXX XXXX Balance Owed : {$52.00} XXXX  XXXX XXXX Balance Owed : {$1300.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX CAR XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX AA/CBNA XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-16
Company: BSI Financial Holdings, Inc.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello. On XX/XX/XXXX we submitted a Customer Renewal Form ( which XXXX XXXX sent that via mail to submit into them asap ) with all our documentation to re modify our loan due to our loan was up for renewal on XX/XX/XXXX. We received another Customer Renewal Form via mail again on XX/XX/XXXX stating we needed to complete it and send it in asap. I emailed XXXX XXXX on XX/XX/XXXX to let them know that I had already provided the information as requested and attached all the documents to the email again. On the same day our mortgage lender replied back stating " This will get me started! Thanks!! ". A week before the maturity date I phoned the mortgage lender and ask for an update on our package and they stated that everything looks great and to continue making your payments and if anything else is needed we will contact you. We thought everything was okay and we didn't have anything to worry about. Come XX/XX/XXXX, a year later we received a letter from XXXX XXXX stating that our loan was going to be transferring to BSI come XXXX or XXXX I believe and we need to start making payments to them. We then received something from BSI with our monthly payment information which was our normally payment amount that we were previously were making with XXXX XXXX. We received another letter about a month later stating that the mortgage had matured and that the full amount was actually due. Since the loan has transferred to BSI they will not help us with anything. We submitted loan modification paper work and they denied us stating the loan had matured. We feel like XXXX XXXX was wrong because we never received a denial or an approval letter on if we were approved and they just kept taking our payments after the maturity date and transferred our loan to a new servicer without forwarding our documentation to be reviewed by BSI. We feel that BSI was wrong because I wrote them a letter and explain the situation and they still wouldn't do anything about it. If we would have received something from XXXX XXXX stating that we were denied ( if we actual were? ) We could have figured something else out. We were in a Chapter XXXX   Bankruptcy at the time and nothing was even forwarded to our attorney 's that we were approved nor denied for anything. We are still in Bankruptcy now because BSI would not accept any payments other than the full amount due per their customer service rep. Now the bankruptcy court has lifted the stay and our home will be facing foreclosure. We just need someone to help us. Thank You So Much! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX BSI Financial Services XXXX XXXX XXXX XXXX  XXXX XXXX, TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I received an email advertisement that I had won a free watch and I had to pay {$4.00} shipping. Instead the company charged me {$71.00}. I contacted my credit card company Capital One, XXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX. Telephone number is XXXX and their website is www.capitalone.com/support-center/contact-us. 
I am a XXXX XXXX and a XXXX XXXX and XXXX  XXXX XXXX, After I contacted the credit card company they sided with the XXXX XXXX XXXX the MERCHANT on this UNAUTHORIZED TRANSACTION. I will also be contacting the XXXX XXXX XXXX and the Federal Trade Commission and the Attorney General Fraud Division, Consumer Financial Protection Bureau and US Treasury and file a complaint about this. 
I should NOT be responsible for any charges that I did NOT AUTHORIZE. After I notified the credit card company of this UNAUTHORIZED transaction, they CLOSED the credit card and ISSUED me a new one. If they thought there was NO FRAUD, why issue me a new credit card when I reported this unauthorized transaction?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: First Credit Services Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/22 I received a letter from First Credit Services regarding an alleged debt owed for XXXX. I am not aware of this alleged debt nor believe I owe alleged amount. In response to this I sent out a debt validation letter requesting documents so that I can fully validate if this alleged debt is owed. I received notification that on XX/XX/22 First Credit Services received my letters via return green receipt. As of today XX/XX/22 I have not yet received any requested documents I asked for nor have I been compensated for these abusive debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 previously sent a letter disputing an account on my credit reporting that is reporting a late payment, but I was never late. You are in violation of 15 US Code 1681a ( 4 ) by reporting mis-information. The account is XXXX XXXX XXXX. It's been almost 3 months and I have yet to receive anything proving that this late payment is accurate. I am asking for this account to be updated to paid as agreed, never late Y

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-22
Company: EQUIFAX, INC.
State: FL
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:
This debt does not belong to me ... XXXX XXXX  XXXX along with the credit reporting agencies are violating my rights as a consumer by furnishing information that is a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Specialized Loan Servicing Holdings LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX mortgages with Specialized Lender and I never received my XX/XX/XXXX mortgage statement which is what triggers me to pay them. I opened my XX/XX/XXXX statement on XX/XX/XXXX and realized I never psi for XX/XX/XXXX. I immediately paid for both houses and the late fee for XX/XX/XXXX and they received payment XX/XX/XXXX. I thought I was all set until today when I was declined for credit for a new phone. When I called I found out I went from a near perfect credit score to default. I immediately called the mortgage company and they told me I could fax a letter but usually they never reverse the notification they send to the credit reporting bureau. SLS also do n't thing they needed to contact me before they notified the credit reporting bureau. I have never been late before and had a great credit rating and they ruined it and do n't seem to care to help me clear it up. I did send them a faxed email since that is all I could get to deal with my issue and they told me they would let me know what they will do in 30 days. So they ruined my credit and I ca n't do anything tip I hear from them. 

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 2020-01-12
Company: EQUIFAX, INC.
State: NV
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 disputed inaccuracies and incompleteness about a tradeline reporting on my consumer credit report with the agency and they failed to investigate the issues but instead responded to my dispute stating the information was verified as accurate. this is stated in the letter attached to the complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-22
Company: SUNTRUST BANKS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am a victim of identity theft. I checked my credit report and found that this company has submitted a request to view my credit report without my consent. Whatever application that was submitted that caused this company to pull my credit was submitted as a result of fraud. My apartment was broken into and several identity documents were stolen. I have attached a copy of the police report I filed. I have NOT spoken to this company on the phone and any claims saying I have is not accurate. All communication regarding this inquiry has been through the CFPB.

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