BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-16
Company: EQUIFAX, INC.
State: FL
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 appreciate you making the effort to update and repair some of the data on my credit report, but there are still some items that need to be fixed. The 3 Credit Bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed items will be fixed as soon as possible. 
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Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 HAVE SEVERAL FRADULENT INQUIRIES ON MY TRANSUNION CREDIT REPORT THEY ARE XXXX XXXX, XXXX XXXXXXXX XXXX XXXX  AND XXXX XXXX XXXX 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX I ALSO HAVE A FRADULENT ACCOUNT FROM XXXX XXXX OPENED ON XX/XX/XXXX. 

I HAVE ATTACHED AN FTC REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Trans Union has DATA ENTRY TYPING PROBLEMS IN incorrect spelling of my name. They failed to correctly SPELL my name. There should be ONE CORRECT NAME, ONE CORRECT ADDRESS AND ONE CORRECT EMPLOYER INFORMATION.

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 2023-09-14
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
O/a XX/XX/XXXX I requested this agency to stop reporting delinquent days late from accounts discharged through bankruptcy as they use delinquent days as a tool to adjust fico score. The accounts are discharged that means even old reporting information such as delinquent days pass due before the bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-20
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than 3months, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the XXXX week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last time which is 2 weeks ago, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.

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 2020-11-04
Company: CrossCountry Mortgage LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was misquoted mortgage refinance rate and fees associated with the residential transaction. When it came time to sign loan docs/application, the lender attempted to slip in {$3200.00} in " buy-down point fees '', not previously discussed. 

Unfortunately this feels like fraud and I wonder how many other people missed these fine print details and are now stuck with paying thousands of extra dollars on their mortgages.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: U.S. BANCORP
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Received letter from XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX claiming I owe {$19000.00} to XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I notified the credit bureaus of this and they told me they had no record of the originating account only the information from XXXX XXXX on XXXX never received information on owing these funds.

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 2023-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I received a new XXXX XXXX credit card on XX/XX/XXXX. On XXXX XXXX, I used this card to make purchases online and my husband made a purchase in a store. The card was frozen and the store said it was denied. At that time, I called Capital One to ask what the issue was and after a 9 minute call, was told that someone would call me in 7-10 days. Per the website, I should have received a text notification immediately to confirm whether or not I made the charge but I did not receive any notification despite my phone number being attached to the account. No one called me back. My card remained locked and unable to be used. On XXXX XXXX I called Capital One again to ask what the issue was and after a XXXX minute call was told someone would call me back. No one called me back and my card remained locked. I called again on XXXX XXXX  and after XXXX  minutes (!!!! ) I was told someone would call me back. Finally, someone called me back that day to ask if I had made the charge on XX/XX/XXXX which I confirmed again, just as I had on the day when I called that day, that yes, I did make the charge. They finally unlocked the card after XXXX  days. When I said I should not be paying the full {$390.00} annual fee as I wasn't allowed to use the card for over a month, spent over an hour of my time trying to reach someone to fix the issue, not receiving the notification I should have per their website, not receiving the calls back I was promised multiple times, and not being able to unlock the card " easily '' as is also promised on the website, they said they can't do anything about it after another XXXX minutes on the phone. I called back again to discuss with a Customer Service XXXX on XX/XX/XXXX and after XXXX minutes was told again, they would not do anything to reduce the fee even though they followed none of their own rules. At this point I paid the balance that I owed less the annual fee and closed the account. I called again XX/XX/XXXXXXXX XXXX XXXX  to speak with a Customer Service XXXX after their multiple attempts to collect the fee to ask again if they were willing to reduce the fee and was again, told no. Ultimately, they did not following their own rules and are not honoring the promises made on their website nor verbally by the multiple customer service reps I've spoken to. I should not be paying an annual fee on a card that was unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-05
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Back in XXXX I had a revolving debt from XXXX XXXX XXXX XXXX to which the balance was about {$1200.00} at the time and went to collections. Discussing it with the Collection Agency at the time we had resolved it with a settlement of about {$880.00} to rid of the account and have it off of my credit report. After 3 years I was recently hit with a surprise on my credit report that this account is still in a collection status and is {$1700.00} and has been revolving with about XXXX different collection agencies. What I found very odd to this situation though is Ive never gotten a notice through my mailing address and when the collector sent me a link with this balance I noticed they have a different mailing address. I tried disputing it but they disregarded it since it was associated with my social security number. I clarified that Im not denying ever having this account but it was paid with the collection agency at the time. I tried finding emails in reference to help my case but its been 3 years and I wasnt expecting to hold records for something that was suppose to be said and done. Tried reaching out to the bank institution that I was with at the time to go through billing statements but it comes with a large fee to get access and Im not in a position to spend that type of money so frivolously. My back is cornered and need help resolving this because this is effecting my life goals at the moment

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-19
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
In early XX/XX/2023, I applied for the American Express Platinum card via their website. Prior to signing up, I called AMEX and was told that it is AMEX policy that, under the Military Lending Act, they waive their annual fee for military members. As an XXXX XXXX military member, as a XXXX  at the United States XXXX XXXX XXXX, I am therefore entitled to their policy and applied for the card solely because I was told the policy would apply to me. On my application, I noted that the majority of my pay came from my military income. I was approved for the card and yet, on XXXX XX/XX/XXXX, I was charged the annual fee. I contacted AMEX and let them know that I was supposed to have my annual fee waived. The agent apparently said that my application was processed under SCRA, not MLA, and that it would have to be resubmited. On or about XXXX XX/XX/XXXX, I called AMEX again and was told the submission was not done, but that it would be. I paid my annual fee as I was told there was nothing they could do with the fee and that I had to pay it, but that it would be XXXX days for them to review. My understanding is that AMEX, like other companies, simply check the XXXX XXXX website that confirms XXXX XXXX member rights, though some of my friends who are new to the military do not automatically pop up. Regardless, having seen no action, on XXXX XXXX, I called and spoke to an account manager and asked for the status. She said that she does not see that anything was filed under the MLA, but that there was a XXXX  request. I find it highly suspicious that AMEX would lure military members into paying an annual fee and then not have AMEX properly review the XXXX XXXX website or make any other effort to verify eligibility. While it is a very generous interpretation of the MLA, if the policy is only applied to people with the names XXXX or XXXX and not so much to those with a name like mine, the policy and actions of AMEX is XXXX and discriminatory. I asked if I could cancel my card and receive a full refund of my annual fee since AMEX took more than a month before they processed anything to see that I am XXXX XXXX, and was told it would take another 30 days which would then put me beyond the 30 days that AMEX advertises I can get a full refund of my annual fee. To tell someone you will qualify for a fee waiver, then to process it incorrectly, then to do nothing, then to ask for another 30 days so that a member would be ineligible to get a refund is a sneaky and deceptive way to take money from military members.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Hi - I am  a New Yorker and  a  30 plus year Citibank client - also a private banking client and now CitiGold Account - my account is in good standing.    I am traveling in  XXXX  and was asked to use a PIN with the   Citibank Mastercard - something I never do in the US - because I remember my PIN in letters and the key pad here is only in numbers - I Transliterated the number wrong - and then went to bank and entered a wrong number the account was blocked.
Citibank has established my identity a variety of ways and satisfied I am the card holder.
But to my astonishment I am now stranded with no money because Citibank will not unlock the account and will not allow me to create a new PIN to access my account - Apparently they just block you from your own account - and your own money.
They are completely unable to problem solve and the first 4 representatives i spoke to to - just gave me inaccurate information!
Here are the employee numbers - Plus I am traveling child - Please help!

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 2023-12-09
Company: GOLDEN 1 CREDIT UNION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order, traveler's check or cashier's check
Issue: Fraud or scam

Complaint:
I got involve to a romance scammers.

I sent a lot of cashier checks and when I finally realized I was scammed, I went to my bank Golden1 credit union to see if they can get back my money or help me out in anyway to get them back. 
My bank said they could not and did not give me more information what I can do to help me or where to go. 
When i was still manipulated and into the romance scam, i was 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 2022-03-05
Company: Experian Information Solutions Inc.
State: OK
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:
XXXX XXXX XXXX you are furnishing inaccurate and incorrect information to the consumer reporting agencies. 
The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. 
You and your inaccurate reporting have damaged my livelihood. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact.

PROHIBITION : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. 
The IRS Clearly defines a charge off as Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 


By Definition The IRS Clearly says a Cancelled debt or Charge off is Income. The reporting of this account as a debt is in accurate.

15 USC 1681 s-2 Says you XXXX XXXX XXXX are a furnisher of information to a consumer reporting agency.

You ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ in accurate information immediately.

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information.

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 2020-01-29
Company: Viking Client Services
State: NY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
To whom it may concern, My name is XXXX XXXX XXXX and I have been a XXXX XXXX XXXX member for over 20 years ( # XXXX ). I recently rented a XXXX car on XX/XX/XXXX ( Rental ID # XXXX ) at the XXXX XXXX XXXX XXXX. I put my bag in the trunk of the car, and entered the driver 's door. 

Upon reaching my destination in XXXX XXXX, I exited the car and noticed that there was a huge dent on the rear passenger door. I did not create this dent nor was I in an accident. I inherited the car this way which had not been adequately reviewed by XXXX staff. 

That evening, I contacted XXXX and had a lengthy conversation with one of your representatives ( case # XXXX ) in a good samaritan gesture and was told that I would not be responsible for this charge. When I returned this car on Saturday XX/XX/XXXX at the XXXX XXXX XXXX XXXX, I was told by the person receiving my car that he did not have time to fill out a return " incident form '' while I was waiting and was asked to sign a blank form. 

On XX/XX/XXXX, I received a bill for {$1500.00} for damages that I did not incur, but rather inherited. The claim number is XXXX. This attempt to collect a debt by Viking Billing Service, was the first notice I had received by any representative of XXXX. In other words, XXXX sent the bill to collection before even contacting me regarding the bill. 

I believe in justice and fairness, and I have no intention of paying this bill for which I am not responsible for as I did not create the damage claimed. Rather, it is the incompetence of XXXX staff to not identify this damage and take this car out of circulation prior to my rental which is at fault. It is immoral and illegal to attempt to procure a debt from someone who is not responsible for the creation of such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-14
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-22
Company: Nelnet, Inc.
State: CA
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:
Nelnet has been continue to compact interest in my student loans since Covid 19 freeze on student loan payments and put me default without any documentation are attempts to allow enter income driven repayment plan.Since president Biden pause on student loans and student loan forgiveness the continence to charge me interest on my student loans.No one with federally-held loans has had to pay a single dollar in loan payments since President Biden took office. I want to know why they keep charging me interest reported my loans in default. I called to try get loans out of the default status I was told they weren't my loan servicer and then told Income driven plan If cancel my borrower defense application.I told unethical and illegal. US Dept Edu verified they are student loan servicer they never responded to my emails or phone calls.

Company response to consumer: Closed with explanation