BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-19
Company: Platinum Holdings Group, LLC
State: MA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
I took out a {$500.00} payday loan from XXXX, which was eventually sold off to XXXX XXXX XXXX. These collectors are hyper aggressive, calling my place of work and threatening to serve me court papers. I realize this is an empty threat. 

This is threatening my job security and while I've spoken to 3 different agents with this company, 2 of them have hung up on me while I attempted to get a written letter of debt confirmation. 

I told the agents I would be willing to pay down my principal balance from the original loan for {$500.00}, but no more. They got angry and tried to scare me into paying over {$1000.00} and proceeded to hang up on me when I tried to get their physical address in order to send a certified letter of debt confirmation, since I really don't know who these guys are.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-17
Company: EQUIFAX, INC.
State: NV
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 i paid in XXXX XXXX XXXX is not reporting correct as the virus effected accounts with XXXX XXXX. i have paid all payments on time. I have not had late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: PA
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 been a victim of identity fraud.

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 2020-11-17
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 applied for a credit limit increase on one of my credit cards however, I was not approved because apparently there is an account reflecting badly on my credit. I had no idea what account they were referring to until I looked over my credit report and saw one account from a company called XXXX. This account does not belong to me nor am I affiliated to that company in any way. I never opened any account with that company and I did not allow anyone to open an account with them in my name. I did not benefit anything as a result of this account that was opened in my name without my permission such as money, goods, services or anything else and I never made any payments towards this debt. I don't know who is responsible for this account but I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I have had Bank of America Privacy Assist product since about 2010. Paying {$12.00} a month for viewing my credit score, and being assured that if my identity was stolen then they would spend up to {$25000.00} to help restore my credit identity. Also their credit insurance product says that they would pay up to {$2000.00}. lost wages per month, and some other coverages such as {$2000.00}. a month elder care. Having read about the suit against them for this and similar products I wish to be included in that suit. When I opened that account with them, there is no record of when I bought it, and so I would have to research my old BA statements to verify the time frame. I found on that site where I could cancel it, but there is no way to email them directly from either of their sites, and a phone call to their customer service agents wouldn't help me either, since they just send one though endless menus, and transfers to ever reach someone capable of making this right. I don't have time for the hour or more that would take! I don't want to cancel until I know I can be compensated correctly! XXXX XXXX, XXXX 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 2023-02-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I currently have Unauthorized inquiries appearing on my credit report and Three Fraudulent collections.

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 2022-01-19
Company: CHECK INTO CASH INC.
State: LA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took out a title loan.In XXXX it was paid out.I was told they would clear it and mail it to me.That never happened. I contacted them in person they said would look into it.I had to keep calling.Was always told it was put in for.I asked if they could compensate me.They will not respond to this.I have been speaking to them since XX/XX/XXXX today is XXXX XXXX.I have spoken with XXXX, XXXX, XXXX.The store manager for XXXX branch called said she will call me back.This has not happened either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: EQUIFAX, INC.
State: OH
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:
Equifax is reporting a Collection account # XXXX. I have requested to have this account delete as there is no way to verify this account as the credit is not listed and it's been over 30 days since the requested was placed. 

This is incomplete file and erroneous information affect my credit profile. Also, I was victim of Equifax data breach and my information was exposed to the public. I'm not familiar with this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18
Company: Experian Information Solutions Inc.
State: TX
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 granted me a deferment/ forbearance on my student loan for XX/XX/2020 but they also placed the late on 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 2019-08-14
Company: Experian Information Solutions Inc.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
CHAPTER XXXX BANKRUPTCY : BANKRUPTCY XXXX .. Bankruptcy doesn't belong to me. The courts do not furnish any of this information to the credit bureaus..They do not provide any proof to justify their reporting. XXXX sold this information to the credit bureaus which is illegal.. Please get this public information removed because it is a violation of the Fair Credit Reporting Act to report false 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 2019-08-14
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: Old information reappears or never goes away

Complaint:
I received a deletion request that was sent to each credit bureau from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-05
Company: Paypal Holdings, Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
My Venmo account got hold since 180 days ago, I had file a complaint with CFPB and receive feedback from Venmo saying that the funds in my Venmo account it's holding for 180 days and to minimize the risk of loss due to chargebacks, disputes or reversals. and any remaining funds will be made available to me for withdrawal on or before XX/XX/2020. But I'm still unable to withdrawal on XX/XX/2020. So I had email Venmo again on my own, but they told me different things and say that Venmo will not be able to release those funds to you. I had attached a file about what escalations officers email me saying my funds will be available in XXXX under this email for the proof and an email from Venmo on XX/XX/2020, saying that Venmo will not be able to release those funds to me. please review it thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Sequium Asset Solutions, LLC
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:
Is it your policy to LIE to consumers in order to get them to pay you? 
There are laws to protect consumers like me I guess I will remind you of them now. 

FDCI SUB SECTION 807 STATES.

A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : FDCI SUB SECTION 808 STATES A debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : I should not have to remind of you of this since you are debt collector If you choice to ignore me again I will contact my lawyer and take action i have no problem suing you over this!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-24
Company: Malen & Associates, p.c.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX i notified XXXX XXXXXXXX that i was facing financial hardship. I was unemployed and had a credit card i opened up after a XXXX  following a severe accident in XXXX. I told XXXX XXXX in XXXX that i was unemployed and asked for their credit protection option for help with my balance due. I was declined the coverage and instead was charged at least 5 past due fees. I was even charged a fee in XXXX of XXXX when i paid on my bill on the correct time. When i indicated that i was unemployed and facing financial difficulties my option were not provided. I was told i had no coverage for protection against past due fees and i was not eligible for rebates or program. Instead i was charged additional fees and then in XXXX it was transferred to a debt collector. The collector is collecting on the past due fees i was charged. On top of the past due fees, i was notified in short form that i had to pay a {$650.00} recovery fee on top of the balance of my cards. This was reported to Malen & Associates who capitalized all past due fees and recovery fee and filed on civil lawsuit on behalf of XXXX XXXX. I attempted to settle with Malen & Associates minus the recovery fee and past due fees and was immediately sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: GOLDMAN SACHS BANK USA
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. 
Due to Goldsman Sach USA last response to my complaint ; " Marcus by Goldman Sachs, a brand of Goldman Sachs Bank USA ( the Bank ), received the above referenced complaint via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. We appreciate the opportunity to address the issues raised by XXXX XXXX XXXX ( Mr. XXXX or the Customer ) and the CFPB. Mr. XXXX complaint alleges that a personal loan ( the Loan ) was opened with the Bank on XX/XX/XXXX without his authorization or knowledge. The Bank conducted an investigation into Mr. XXXX complaint and determined he remains liable for the Loan. According to our records and investigation, the Bank successfully verified the Customers personal and account information with our procedures during the Loans application and origination. Additionally, the nine ( 9 ) successful payments made towards the Loan came from the same external account that the Loan funds were disbursed to. The Bank has verified that this external account was owned by the Customer. Given the payments to the Loan, as well as the Banks confirmation of the information provided at the Loans application and the consistency of which this information ties to the information independently provided by the Customer, the Bank has determined that the Customer remains responsible for the Loan. A response to this complaint was sent directly to the Customer. Based on the above details, we kindly request this complaint be closed. '' I have received my XXXX XXXX account with XXXX Bank statements used to open the account for the loan was in deed FRADULANT. Under The Fair Credit Act. I request that Goldmans Sachs Bank USA send confirmed authentic copies of the information used to open the fraudulent account in my name. This includes, Emails, Bank Statements uses to apply for the loan, Payment history for the account and any other information regarding the fraudulent account. I have my XXXX XXXX Copy of banking history I would like to validate Goldmans Sachs USA information. Under The Fair Credit Act, and my rights that I am exercising under this act, you are required by law to send all information on the fraudulent account to support your claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-14
Company: CITIBANK, N.A.
State: NY
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 purchased an XXXX through XXXX at XX/XX/29, total amount of {$1200.00}. 
then I immediately filled with XXXX 's seller which i did not received the item, after not resolving the problem, I contact XXXX directly for my case, XXXX told me I need to contact my own credit card bank. Therefore, I contact CITI bank credit card, first time I issued my case, they told me I will received a mail since I need to give them supporting document. After a few weeks not receiving anything, I contacted CITI banks again, and one of the customer service told me I had to mail back the supporting due to they do not accept any mail supporting document. And they informed me I will get a mail notification later on. Still, a few weeks past, nothing was received, I had to contact CITI for asking my case, this time, another customer service provided me an email for me to send all my documents via email, which I did. And they told me to wait for mail for progress. Again, so many weeks past, after each day checking the mail, I called back a few days ago, one of the customer service told me they closed my case without notifying me. I asked what was the reason, they said they did not receiving anything, which last time I emailed, I asked through the phone, they said they received it! And CITI bank asked me to go back to XXXX for my case, I then had to call XXXX, they told me, as same as last time, '' XXXX doesn't involve in this '' So I am wondering who! should I talk to? If my own credit card bank doesn't solve the issue

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 2020-05-16
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On the following dates, XX/XX/2020, XX/XX/2020, and XX/XX/2020 I have submitted information including police reports of identity theft and other identifying information and Experian has refused to investigate these items. Experian most recently sent me a letter basically telling me they will not continue to investigate items on my credit report which is against federal laws and regulations.

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 2017-09-15
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I submitted complaint number XXXX on XX/XX/XXXX. Today is XX/XX/XXXX. diTech Financial stated established a XXXX day period of time in order to allow for their response. As of today, there has been no response. To me, given their breach of loan covenants, the likelihood of XXXX XXXX XXXX being de-listed from the XXXX XXXX XXXX XXXX, and the variety of legal processes against diTech and XXXX, XXXX may no longer be considered a going concern. diTech appears to be incapable at this time to perform the tasks incidental to their business offering.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-16
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
On XX/XX/2019 I opened an e-mail link that took me to a website for a financial service. ELAN financial service. When I spoke to the rep she was extremely misleading and told me the wrong information. I was under the impression that I was hring a credit repair company to help me with my score and to help me repair my credit during a very hard time. I was going through a divorce. I told the rep that I had no problem making the payments and that I had just fallen behind because my wife and I could not settle our financial differences and that all I needed was help reaching out to my credit card companies to help me remove the late payments. I was under the impression that this rep would have my pay what ever fees I needed to in order to have these late payments removed. I later found out that this was not at all the service that they were providing when all of my accounts were closed down by my banks. I never received a single letter from these people and when I tried to resolve it with the manager I was not able to get anyone to understand that they completely mislead me and severely affected my credit score.

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 2019-05-29
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Credit card company forcing arbitration

Complaint:
On XX/XX/2019 at XXXX XXXX, I received an email with the subject line " Important information regarding changes to your Chase account '' Chase is requiring me to send in writing a letter to reject the binding arbitration clause. This is particularly onerous, when they could easily allow me to opt-out by phone or online. 

Below is the top-line of the updates from the email they sent me : " '' Important Changes to Your Account Terms Notice : Your Cardmember Agreement and associated Rewards Program Agreement ( if any ) were assigned to JPMorgan Chase Bank, N.A., as successor by merger to Chase Bank USA, N.AXXXX, on XX/XX/2019. Furthermore, beginning XX/XX/2019 all references to Chase Bank USA, N.A. in your Guide to Benefits and any additional account agreements and documents shall be read as JPMorgan Chase Bank, N.A. 
Summary of changes to your account terms effective XX/XX/2019. 
The description of the Minimum Payment calculation found under your Cardmember Agreement Rates and Fees Table is changing to a minimum of {$35.00} and to include unique payment obligations in connection with Flexible Financing Offers. 
We are introducing two new features, My Chase LoanSM and My Chase PlanSM, under which Flexible Financing Offers may be available to you from time to time, subject to the new rates and fees and Cardmember Agreement terms described below. 
A binding arbitration provision is added and the Military Lending Act Notice is revised accordingly. YOU CAN REJECT THE BINDING ARBITRATION AGREEMENT. YOU MUST MAIL YOUR REJECTION TO US BY XX/XX/2019. PLEASE SEE THE END OF THIS NOTICE FOR INSTRUCTIONS " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-22
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I received a promotion offer of 400 $ for opening a new checking account with Regions Bank in XXXX XXXX. I have met the opening requirements for eleven months and have not received the bonus of 400 . I have called and visited their customers service for more than times and they told me I qualified the promotion offer and met all the requirements. But I have not received the bonus to date. Therefore, I am requesting Regions honor the offer and award the bonus to my account. Thanks.

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