BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-10
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Thursday, XX/XX/XXXX XXXX XXXX When I was in XXXX school, according to the documents that have been sent to me, I took a loan ( 3 total ) out with " XXXX XXXX XXXX XXXX '' which I am given to understand has been shut down by the federal government. I have been sent by two different servicers XXXX ( XXXX XXXX XXXX ) and XXXX ( XXXX XXXX XXXX ) bills for a company alternately called XXXX or XXXX. When I question either XXXX, XXXX, or XXXX about offering me a chain of title or any other proof that they or XXXX ( which I believe went bankrupt in XX/XX/XXXX ) own a debt from me, I am told to ask the servicer, if I ask the service, I am told to ask the alleged owner of the debt. I have been paying on these loans for years now and they are getting larger. I can easily refinance, however, I do n't want to refinance a debit I do no owe. I am a XXXX and along with the federal government loans I have ( XXXX ) I pay approximately 5K/month in loan payments. I asked XXXX to please apply additional payments I made to my principal, and was told that they would only put me in paid ahead status. I do n't mind paying or settling which someone if I truly owe them money, but as far I I can see, there are three ( I do n't know why there are two for the same year ) applications that have been provided to me, and my wife, XXXX XXXX, whom they refuse to release from the obligation as cosigner, to XXXX XXXX XXXX XXXX. I have nothing that says I owe anything to XXXX nor to XXXX, who per the XXXX XXXX is owned by the same people, as are some of the servicer. I am paying more than 10 percent interest on the loan that XXXX  claims they own. They are also both refusing to send me a payoff letter if I do owe the debt, because I will refinance immediately -- I have good credit and good income. I was actually told yesterday that the stories in the XXXX XXXX were " fake news '' and that I would have to default before anyone would negotiate with me, and that if I defaulted they would " take my property '' or " wages '' or " tax return '' ( I am XXXX XXXX  ). Which I consider to be a threat made simply because I asked questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
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: Account information incorrect

Complaint:
Despite three written requests, EQUIFAX has NOT corrected the INACCURATE REPORTING & UNVERIFIED ACCOUNT on my credit report.

They are required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and is correct.

I am requesting that the following accounts below be verified or deleted immediately if it can not be verified.

Account Number : XXXX : Account Number XXXX   According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Under Section 611 ( 5 ) ( A ) of the FCRA THEY are required to promptly DELETE all information which can not be verified. Equifax is required under the FCRA to have a copy of the original creditors ' documentation on file to verify that this information belongs to me and that it is correct. In the results of Equifax investigations, they stated in writing that they verified that these items are being reported correctly?

They HAVE not provided me a copy of ANY original  documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: Experian Information Solutions 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:
AFTER A CAREFUL REVIEW OF MY CREDIT REPORT, I HAVE IDENTIFIED INACCURATE ACCOUNTS THAT ARE DEROGATORIES AND DELINQUENTS THAT I HAVE NO KNOWLEDGE OF AND WERE NOT AUTHORIZED BY ME. PLEASE REMOVED THOSE INACCURATE ACCOUNTS THAT HAVE BEEN CAUSING DAMAGE TO MY CREDIT FILE. IT IS ILLEGAL TO HAVE SUCH ACCOUNTS REPORTING INACCURATELY ON ONES CREDIT, CONDUCT AN INVESTIGATION INTO THIS MATTER AND HAVE THE ACCOUNTS PURGED OFF MY CREDIT FILE.

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 2020-07-14
Company: FinCo Services Inc DBA Current
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Someone claiming to be Current my online banking. Scammed me out of all {$980.00} of my money and I contacted Current and they shut my app down and told me basicallly they couldnt help me and I believe this was an inside job ... my name email and number kept getting changed right before Current shut my online banking down .... when this person took the first batch of money Current said they will log me out all devices so it wont happen again but it did this person took more money and then thats when Current shut my app completely down and said it was being investigated but took days and days to respond with an update and then told me they couldnt help me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX - XXXXXXXX XXXX XXXX- XXXX did a background check for a job, and the information on my Transunion was not accurate. I have a chapter XXXX discharged, and Transunion is reporting chapter XXXX as dismissed. I provided the discharged papers to Transunion and Consumer Care. Consumer care took two weeks to investigate and emailed stating the information was correct on my TransUnion report and left it as a chapter XXXX dismissed and sent it back to the employer with incorrect information. Chapter XXXX has been discharged since 2016, and I have been mailing the discharge papers to TransUnion since 2016, and it is still not reporting correctly. I can not pass a background check for employment because chapter XXXX  is discharged and reported as dismissed after I sent the paperwork numerous times. Both companies are responsible for inaccurate reporting.

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 2020-09-05
Company: Experian Information Solutions Inc.
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
On XX/XX/XXXX I submitted to Experian all the information they requested ( experian I.D. #, Auto Insurance Bill, Gas Bill, Bank Statement, Copy of Drivers License, A letter with my name 2 previous addresses, and Social Security number ) in order to permanently remove a credit  freeze. As of XX/XX/XXXX, my credit is still frozen with them. I've called their phone number numerous times, only to go through a computerised menu of prompts and then when I reach the specific area to deal with my situation, they hang up. 
I do not know if they've recieved my information. I've also tried to remove the freeze online. But at the end they ask for the same information I've already sent. Is there any way to talk to a person at Experian to at least find out if they've recieved my information? I put a freeze onmy credit XX/XX/XXXX with all 3 credit agencies. With XXXX   and XXXX, it was easy to remove the freeze. Any help you could give me to get my credit unfrozen with Experian would be greatly appreciated.

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 2018-07-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Greetings! I have recently filed a complaint with CFPB, case # XXXX, and have receive a very unclear response. Since the company in question, CITI BANK does not reply to my follow up, not XXXX XXXX XXXX has ever picked up the phone, I am submitting another letter with more precise follow up questions. 

To recap : my XXXX credit card application was denied solely for the reason of my citizenship and/or immigration status. 

XXXX XXXX, please, address the following questions with as much precision as you can to help me fully understand the reason for the inability of your company to continue with the process : 1. In your original letter, you mentioned that " due to the United States laws and regulations pertaining to transactions with or in XXXX ''. QUESTION 1 : what laws and regulations you are referring to? Please, cite names and numbers, if applicable, so I can familiarize with them. NOTE : I have never heard of any such U.S. laws as I presently have and had in the past credit cards with all major banks. QUESTION 2 : if such laws and regulations exist, are other banks exempt from them? 

2. I would like to clarify the actual reason for the denial. To my knowledge, the bank is NOT making transactions WITH XXXX, NOR IN XXXX. I am a private citizen and live in the US for many years, I am a resident of this country and pay taxed as a resident. The back of the letter you sent me explicitly states that ECOA prohibits discrimination based on many factors, including national origin, provided the applicant has the capacity to enter into a binding contract. In my opinion, my credit records do show my capabilities and trustworthiness, unless you can present a reason why you would think otherwise. QUESTION 3 : how come your sole reason for the denial is my citizenship/immigration status? Isn't that a direct violation of the ECOA laws? I say : look at my credit score, not my passport! 

3. I was speaking several times with CITI BANK representatives and have been told repeatedly that CITI does not discriminate, even though in my mind, this is a direct discrimination based on citizenship status. QUESTION 4 : to help me better understand the discriminatory policy, please, provide a hypothetical example, where your company would indeed discriminate someone based on the same factor. 

4. QUESTION 5 : does CITI BANK have a unified policy towards ALL applicants? What I mean is whether any non-US citizen or XXXX XXXX holder is not able to obtain a XXXX credit card? Or Ukrainian citizens are in a specific list, for which CITI BANK does not want to open accounts? 

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 2021-02-25
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was born and raised in XXXX I just moved to XXXX  on XXXX XXXX ... I ha e reached out to the debt which is only XXXX ... its not mine is there anything we can do

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-07
Company: Experian Information Solutions 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:
I SENT A COMPLAINT TO EXPERIAN THRU THE CFPB AND THERE RESPONSE IS THAT I DID NOT SUBMITT MY OWN COMPLAINT. ONCE AGAIN, I AM A VICTIM OF IDENTITY THEFT PLEASE SEE MY FTC REPORT AND MY SOCIAL SECURITY CARD AND DRIVE LISCENSE COPY

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 2020-09-05
Company: EQUIFAX, INC.
State: CA
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:
Equifax is reporting XXXX account number XXXX on my Equfax credit report. 

XXXX has sent Equifax 5 requests to delete the XXXX account number XXXX from my credit report. XXXX. Equifax has refused XXXX 's requests to delete the XXXX account from my credit report. ( See the attached XXXX requests I have sent Equfax 5 disputes regarding the XXXX account number XXXX. I have requested the deletion of the account. Equifax has refused my requests to delete the XXXX account from my credit report. ( See the attached dispute letters ) The XXXX account number XXXX continues to appear on my Equifax credit report as of XXXX. It item has not been deleted and re-reported at any time. 

On XXXX Equifax responded to my last dispute stating that " the disputed item is no currently reportingon the Equifax file. Equifax is not being truthful. I am a PAID subscriber to the Equifax Complete XXXX XXXX. I can access a new Equifax credit report everyday. XXXX See the attached Equifax response ) This matter has been submitted to the Georgia and California States Attorney Generals. 

CC : XXXX, XXXX, XXXX XXXX XXXX, XXXX  - XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: National Credit Adjusters, LLC
State: CA
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 filed a previous complaint about no response to an offer of payment and, if not accepted, a request for verification of the debt. In response to my complaint filed here, the company said they would start the process of retrieving verification of the debt ( weeks after my request ).

It has now been two months since the first contact with them regarding this debt, and over a month and a half since my request for verification of the debt, and I have received nothing from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-13
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I apply in branch for a secured card they made me open a savings account to freeze it now I call they said I was denied and to apply for a loan instead this is crazy they cant tell me what to do or which product I want not fair they refuse to approve me secured card application after doing what I was told to go in branch and open the savings which I did and they now tell me I dont qualify such a waste of time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I received a letter saying I was denied an Amazon.com Visa Signature card from Chase that I never applied for. This affected my credit rating so I contacted the CFPB, ( previous complaint #  XXXX ), to handle this with Chase. It seemed the issue was resolved but now I received ANOTHER rejection letter dated XX/XX/XXXX ( Chase reference # XXXX ) for the exact same thing. At this point, my credit score has been affected again and I now consider this to be either Identity fraud or at the very least harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
A friend in XXXX sent a {$500.00} wire transfer from his XXXX account in XXXX to my Capital One account. Wire was completed on XX/XX/2018. 

As of XX/XX/2018 the funds have still not been deposited into my account or returned to the originator. Capital One just says that the transfer is " under review '' with no way for me to rectify the situation. I have not received an email, letter or phone call notifying me of this delay. I have had to call to get any information. 

I understand that there can be delays but holding onto an account holders money for 3 weeks seems excessive - especially given that the dollar amount is so low. It also seems that there should be a requirement that the bank provides notification of this delay but there has been zero communication coming from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: EQUIFAX, INC.
State: OR
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:
Companies involved : XXXX XXXX XXXX XXXX ( XXXX ) : XXXX XXXX XXXX XXXX, OR XXXX ; ( XXXX ) XXXX Equifax I submitted a complaint to Equifax, stating that XXXX incorrectly reported that I missed a payment for my auto loan on XXXX, 2020. 

I received notice from Equifax ( Confirmation # XXXX ) on XX/XX/2020, stating that XXXX denies inaccurate reporting and my complaint case has been closed. This is incorrect. 

In XXXX, 2020, I was granted permission by XXXX to skip XXXX and XXXX payments due to hardship from the COVID-19 pandemic. They were not supposed to report negatively to credit  bureaus. Oddly enough, they report XXXX in good standing. 

I have never missed or been late on a payment prior to, or after, the pandemic grace period that XXXX gave me. It is unconscionable that a company would pretend to give hardship relief during the COVID-19 pandemic, then turn around and report consumers as delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-06
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
For years Discover card has been charging me very high interest rates XXXX, very high minimum amount dues, fees every month for many years now and it has ballooned my debt with them more than a 100 % of the original debt acquired with them and every time write a letter asking to lower the interest rates and lower the minimum payments they had refused to do so and still every month charge XXXX late fee because most of the time I am not able to cover the high minimum due payment it is being almost a year since I stop charging little things to this card not using it at all only payments, this month the minimun due {$320.00} is not possible and the optional payment plans they have online are only made so I can get into more debt with them not really helping at all but taking advantage of the economically deprived situation I am living. This company is the principal ripping company I am dealing with

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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:
Late afternoon XX/XX/XXXX, I received an e-mail from Bank of America that my credit card bill had not been paid because they were unable to withdraw funds ( {$10.00} ) from my Pay From account and that my Bill Pay service had been suspended. I was confused because I had accessed my account online just two days earlier and the web site indicated that payment had been made. I immediately called the number provided in the message and found that the bank had  attempted to withdraw funds from an account I had closed XX/XX/2015 rather than my current account. I don't know how the error occurred, but I was able to correct it over the phone and authorized payment of my bill from the correct account. 

The Bank of America employee told me that I would not be able to access my account for a couple of days while my Bill Pay service was reinstated, but that there shouldn't be any problem. He said that I would see an entry showing the original payment from the incorrect account had been reversed and that a new payment had been withdrawn from the correct bank account. I was informed that there would not be any additional charges or fees when I inquired about that possibility.

When I was once again able to access my account, I found, contrary to what I was told, that I was charged a Returned Check Fee ( {$10.00} ) and interest ( {$1.00} ). Over the last two weeks, I have repeatedly tried to contact Bank of America using the phone number on my credit card and one that they provide on their web site for service and have not been able to reach an agent no matter what combination of responses I give to their automated system. While the web site has automated means for disputing purchases, there is no means for addressing issues with fees or interest charges, and there is not means of e-mailing them the details. I have also been unable to find any information about how I might contact them by the U.S. mail.

I have made a good faith effort to get this problem resolved, so I am asking the CFPB to intervene and compel Bank of America to contact me so this issue can be resolved.

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