BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-23
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: Account information incorrect

Complaint:
I was advised to file bankruptcy due to issues I had with identity theft. I called XXXX after I was told by the attorney of the balance with XXXX. It was around 30,000 of debt. Debt for schools I have not attended. I called XXXX often and advised them that they were not mine. 
I completed their request for a police report. 3 times. I filed out their paperwork that I recvd in the mail & faced back. They denied me. I was told that various schools listed are not even open. I moved to XXXX in XXXX. In XXXX my is & ss card were stolen. I explained this over & over again. When I speak to them, they continue to advise me to forebear the loan. Nothing is happening. The balance continues to skyrocket. I have tried contacting 1 of the schools and told I could not get any information, bc its not me. How am I in debt to something that I have no clue what it is? Or to get any information to help w the acct to get it resolved & closed. I went through the XXXX XXXX XXXX and also filed a report as suggested. The individual told me I would get a letter confirming that it had been resolved. The other concern is when I file a report, I cant give a name or anything confirming who I think abused my identity. Im literally distraught. Its destroying my credit and shows I owe so much, when I actually do not. 
I have attended these colleges : XXXX XXXX XXXX XXXX College XXXX XXXX XXXX XXXX XXXX XXXX College All of these others I have not attended. I also had reported that XXXX college financial advisor had altered my information @ the  time of enrollement. Regarding my  income & or individuals in my home. I spoke to an advisor for assistance @ XXXX   that told me my report in XXXX that had 6 people in my home. I would really like to get this resolved. This is unfair and I have no other options.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-18
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
In XX/XX/XXXX i submitted an SCRA request form to American Express for them to reduce my interest rate on my Amex Everyday Card to 6 % or below. A few weeks later they approved it and said they would be reducing my interest rate and issuing me a refund for the overcharges. Nothing happened so in XX/XX/XXXX I submitted it again and they told me the same thing after a few weeks. I've been calling American Express consistently and they keep telling me that " by next month the changes will be reflected on your account and you will be issued a refund for the overcharges ''. I have continued to use the card expecting that the interest rate will decrease and i will be issued a refund otherwise I wouldn't have carried a balance on a card with a 19.99APR rate. American Express ie legally obligated to reduce interest rates for military personnel and yet they passively refuse to.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2022 Citi bank illegally closed my account without my consent and by unfair and deceptive business practices. 

They state the account fell negative however as you can see in my letters that it only feel negative because of unfair and illegal business practices. Because of fraud within the bank and their employees theirselves for double charging meaning charging the merchants named in dispute, then charging clients to obtain an illegal balance debt and then closing the accounts that feel negative due to that and then sending those closed accounts they put in escrow illegally to collections. I notified the bank and as soon as I did they changed their story numerous times. I have the video recording from employees and supervisors I have EVERY piece of document on dispute ever number of the accounts negative balance as it changed 5 times before closing with different balances that NO one at the bank could confirm where those numbers came from. 

This is illegal and it is fraud. Then after stealing your money from you, they say you can not receive the funds for up to 90 days by check. 


When you go rob a bank are you committing a crime? 

Even though you give the bank the money back do you still get charged for the theft? 

Ok then same thing in this case. It should be treated just as EQUAL because that is EXACTLY what this is. Fraud within the bank and theft. 

Unfair and deceptive and illegal business 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 2017-04-24
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On  XXXX / XXXX / XXXX  I sent a certified letter to Diversified Consultant,  XXXX    XXXX   XXXX    XXXX   XXXX  FL  XXXX  regarding  XXXX   XXXX   XXXX   XXXX  account (  XXXX  ) for  XXXX  $ to validate the the debt and all information regarding the debt, they never answer my certified letter but they are keeping the false information in the credit bureau.   Beside of that I want to inform that the same debt was already dispute with  XXXX   XXXX  and fully deleted on  XXXX / XXXX / XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Bridgecrest Acceptance Corporation
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased a used XXXX XXXX XXXX from XXXX, {$500.00} down, on XX/XX/XXXX with my grandfather as my cosigner. My account was then transferred to Bridgecrest ( account # XXXX ) from that day forth, which I was never informed of. I have a bi-weekly payment of {$220.00}. My credit report shows XXXX payments remaining. But when speaking with Bridgecrest on yesterday, they stated that I have XXXX payments remaining. By the time I pay the car off, I'll be paying almost 3 times of what the car was priced. I then asked what all has been paid thus far which is {$4300.00} towards the principle and {$10000.00} towards the interest. I feel that I'll never be able to pay this car off and that my grandfather and I are being legally robbed. I have been unemployed since XX/XX/XXXX. They won't alter the interest rate or even change the payment arrangement from twice a month to once a month. What can my grandfather and I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: OLD NATIONAL BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XXXX I notified First Midwest Bank, now Old National Bank that my Mother passed away. I spoke with XXXX a banker she advised that I needed to send a copy of death certificate, copies of the XXXX ID and a noterized letter that I wanted to close the accounts. This info was sent certified. Two weeks later XXXX called me and said that the bank XXXX said that I would have to travel to XXXX in order to even close the account. This whole problem has now taken 4 months. This should be illegal and I believe it is. Beware of this bank location in XXXX IL.

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 2021-04-07
Company: Resurgent Capital Services L.P.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2021 I, consumer XXXX XXXX received a letter dated XX/XX/2021 from LVNV Funding LLC attempting to collect an alleged debt. I did not request for them to send me any mail to my home or place of work. I am highly concerned about the safety and integrity of my privacy and I am disputing this alleged debt from the mentioned debt collector in pursuant to 15 USC 1692g. I strongly believe LVNV Funding LLC is in violation of several federal laws including but not limited to 15 USC 6801. They did not have my permission to have any access to my personal information and the access they have does not bring any value to me as consumer. I have material evidence that shows where they violated the federal law and used misleading tactics to attempt to deceive me into paying this alleged debt. The communication I received from LVNV Funding LLC violates 15 USC 1692c and is highly inconvenient to my peace of mind and privacy to my abode and place work. LVNV Funding LLC also violated 15 USC 1692b ( 2 ) stating to me the consumer by mail that they are attempting to collect debt several times in the postcard. The postcard that was sent to my address by LVNV Funding LLC was also in violation of 15 USC 1692b ( 4 ). LVNV Funding LLC used a branded logo on the postcard that was sent in the mail to my address that indicated they were in fact in the debt collection business which violates 15 USC 1692b ( 5 ). The language that was used in the postcard sent from LVNV Funding LLC was obscene and profane and did not bring any value to me the consumer, and the language used in the contents threatens to harm my reputation which violates 15 USC 1692 ( d ) ( 1 ) and 15 USC 1692d ( 2 ). LVNV Funding LLC posted discounted advertisements in the contents of the postcard to coerce me into paying the alleged debt which violates 15 USC 1692d ( 4 ). LVNV Funding LLC showed a positive balance in the contents of the postcard that was allegedly owed on. I am not sure how or why anyone would pay on a positive balance. Therefore the debt collector is in violation of 15 USC 1692e ( a ) and 15 USC 1692e ( 10 ). In the contents of the postcard, there were several mentions of other persons named as the debt collector as well as LVNV Funding LLC. They are violating 15 USC 1692e ( 14 ) and 15 USC 1692f ( 8 ) with these actions. The fact this deceitful postcard was made by LVNV Funding LLC and sent to my abode and place of work violates 15 USC 1692j. It is fact that LVNV Funding LLC violated several federal laws against me the consumer and it is fact that LVNV Funding LLC has a civil liability under 15 USC 1692k ( 1 ) ( a ) to provide a remedy for the damages and inconveniences they have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Nelnet, Inc.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I took out student loans while I was at XXXX University. The student loan total was 75,000 approximately. I have been paying on the loans for approximately 16 years and the current balance is XXXX with XXXX total I have paid currently towards interest. The company claims they told me about a graduated payment. I have no record of that in written form anywhere. I find this predatory lending. I have almost paid the entire balance of the actual loan off in interest yet I still owe MORE than the actual loan itself. This is deceitful. I was a young girl when I signed up for these loans and HAD NO IDEA that paying off the balance of these loans would put me in a financially difficult situation. Nor do I think this kind of student loan lending is fair. IT is deceptive and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Back in XXXX I attempted to close my XXXX XXXX XXXX and the company refused to close it. I filed the complaint and as result ( Citi XXXX # XXXX ) the company responded back stating it waived the fee and instructed me to call Citibank again. I called again and again I asked to close my account. It wasn't as as of today the Citibank is sending me notices of overdraft. 
Today on XX/XX/2022 and the call was handled by their CSR in XXXX that was unable to even review the info on the account after putting me on several holds. Subsequently I requested and was transferred to a call center in the US where I again I was put on hold for about XXXX XXXX  after which the call was subsequently and without warning disconnected. 
It appears that the Citibank is refusing to close my account and it is interested in accruing fees on the account. Questions 1 ) Why is the bank refusing to close my account despite REPEATED requests to do so? 
2 ) Why there is absolutely no accountability with the Citibank for this outrageously poor customer service where the customers are not dealt with by either incompetent/unauthorized employees who apparently do not have a level of skill set to perform a simple operations such as account closing? 
3 ) Or is it the Citibank 's business model to accrue fees regardless of basic ethical and professional norms?

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 2021-04-07
Company: Square Inc
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021, I tried to purchase a phone case from a company XXXX XXXX XXXX XXXX XXXX that is based in the XXXX. I have made two other purchases from this company in the past without any issues. 
I did use a traditional bank to process those though. 
I am not sure why, WiFi connection perhaps, but the initial transaction was attempted six times. Each declined. 

I also tried to use a third party ( XXXX ) to process the order in an effort to add further protection to my account. This also was declined. 

I reached out to CashApp on multiple occasions to ask why, only to get a generic " suspicious activity '' reply. Never did I get anything further from them other than an endless runaround. 

After much dialog, and validating their policies, I made another attempt to purchase the case. Again being denied my purchase. 

Their policies plainly state : " You can now send or request Cash App payments with friends located in the XXXX. 
When you send a payment outside the US, Cash App will convert the payment from USD to GBP based on the mid-market exchange rate at the time the payment is created and your recipient will receive the funds in GBP. 
There are no fees to send or request payments with friends in the XXXX. '' From the policies of the vendor I was planning to purchase from, they state : " All prices of our delivery services on the Website are stated in either XXXX, XXXX or XXXX. Shipping terms are associated with your country and include any applicable VAT or sales tax payable. Delivery charges will be calculated during the checkout process. '' And while I have never left the area that I live, they even went so far to say : " This is XXXX with Cash App Support, thank you for reaching out. I understand how important it is for you to resolve this issue. Don't worry about it, I'll be glad to assist you After reviewing your account I would like to share with you the following information. 
We currently do not support Cash Card payments, ATM withdrawals, or other Cash App features while in XXXX XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, or internationally at this time. 
I do not have any new information to provide regarding this issue. Please review the information in our previous emails to understand how to move forward. 
For questions or concerns outside of this case, please reply back to me here. 
If you have any further questions please let us know, We'll keep an eye on your response. 

Warmest regards, XXXX '' This has proven to be the most frustrating issue to get to the bottom of as you can only reach them via email. Which leads you to a new person EVERY SINGLE TIME! 

This goes beyond ethical on so many levels!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-03
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: Old information reappears or never goes away

Complaint:
I have multiple accounts that should not longer be reporting to the credit bureaus because they have been " charged off as bad debt '' and I have already received 1099-C Cancellation of Debt forms from each and every single creditor reporting that I owe money on the closed accounts.

I believe it is against the spirit of the law, and possible the US Code itself, to have a debt that is no longer legally enforceable ( due to passing the Statute of limitations ), have the debt cancelled, reported to the IRS, and taxed to me, and then continue to report it monthly as an open debt, or in collections. 

Reporting that the debt was cancelled and booking the loss, yet continuing to try to collect the debt is wrong.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On XX/XX/XXXX, I wrote a Check to XXXX XXXX for {$600.00}. It's a preschool. They have a small box to drop the checks. I dropped my check on the box. The next day, I see that the amount has been deducted from my account but XXXX XXXX claimed that they never received it. From my online account, I was able to see that someone signed on the back of the check and encashed it. My bank is XXXX. I filed a Forgery claim with XXXX on XX/XX/XXXX. I got the affidavit signed by myself and also from the Manager of XXXX XXXX. I got a response back and this time it includes a response from Well Fargo asking me to get a notarized payee affidavit from XXXX XXXX. I checked with XXXX XXXX and they said they can give a letter with their letter head and but won't go the extra mile to get a notarized affidavit, which business does. I don't have any options. I wrote a check to XXXX XXXX. Somebody stole the check from them and encashed it in Well Fargo. Wells Fargo as a bank should not have allowed a check to be encashed which is written to a business. Based on my conversation with the officials in XXXX, Wells Fargo gave cash to someone who encashed the check. Both the banks are leaving me optionless and CFPB is my last resort. Pls help me

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 2022-07-20
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Lost or stolen money order

Complaint:
On XX/XX/2022 I purchased the money order in XXXX XXXX XXXX at XXXX XXXX XXXX XXXX {$850.00} I gave it to my landlord the landlord said the money order had to stop payment on it I paid cash for the money order and now MoneyGram saying that it's an invalid money order and there's nothing that they can do I have the stub and the money copy of the money order from my landlord

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
After verifying all my information correctly I still wasn't able to receive my credit 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 explanation
Consumer complaint received 2020-06-03
Company: FC HoldCo LLC
State: IL
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:
Recived verification that's show 's balance incorrect original and current balance!

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 2021-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
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've been disputing fraud accounts on my credit report since XX/XX/2020. I keep sending multiple sets of letters to the bureaus and the creditors so the excuse of " we didn't get it '' doesn't happen. Furthermore, each letter is certified mail with tracking and each letter shows signed and delivered and yet the bureaus are still not taking any actions. The accounts are not showing in dispute nor are they removed from my report. The accounts always show up with different name variations and different account number variations and yet the bureaus seem to ignore the trend and let these fraud accounts affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the account claim to be mine. Not only have I not received any mail showing the verifiable proofs needed to justify the accounts to be on my report, I haven't even received any letters at all stating the investigations have begun. Per the FCRA and federal law, the process is supposed to be 30 days. 200 days later, I'm still here shelling out money for certified mail with no end in sight and no results to show. This is my last option before I take this up with my lawyers and sue for full compensations and damages incurred. Finally, it seems that when these complaints are submitted, the bureaus are using the excuse that they " can't confirm my identity '' to get away with taking no actions on my credit report. Please investigate this as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Wachovia became Wells Fargo.
Wachovia r  emoved $ from timed deposits to create  2  checking accounts without consent.

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