BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-20
Company: CITIBANK, N.A.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Last year, I received notice that my Costco Anywhere Visa Card account was to be closed because I no longer had a Costco membership, even though I did. I tried in XXXX to notify them of my membership status. 

In XXXX, my account was closed. I contacted Citibank, who told me to contact Costco. I went to Costco, who told me to contact Citibank, though they called Citibank for me, at which time I explained the issue. Citibank told me over the phone they would reopen my account and send a new card to me.

After two weeks, I tried contacting Citibank again, via live chat on the Citibank website, as I could no longer sign in. I was told that I would not be getting a new card and my account would remain closed. I stated that I could not access my account to pay off the balance. I said I had not received a statement since my account was closed. I had been signed up for paperless statements. He told me that I had been receiving paper statements, giving me a date of the last statement sent, although I hadnt received it.

To date, I have yet to receive a paper statement and a means to pay off my balance, though Citibank has been collecting interest since XXXX on my account, with no way for me to see the charges or pay the balance off. I do get an email notification each month when the automatic payment is made, along with a link to pay a different amount on my balance. That link takes me to the sign in page, of which I can no longer sign into, as I no longer have an open account. 

Citibank owes me for the interest/finance charges accrued since my account was closed. Citibank needs to send me a paper statement showing the corrected balance, so that I can pay it off in full. 

It has been 2 weeks since my last attempt to contact them.

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 2021-01-29
Company: Square Inc
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I lost access to my account with Cash App ( Square ) XX/XX/2020 due to my phone number changing and losing access the email attached to that account. I have attempted to recover my account regain access with Cash app ( Square ) Now for the second time. I have provided them with all of the information they had asked me for the first time and again this time. The ending result being the same 75 emails later I'm being told I will not be able to regain access to my account. I actually just reached out this time to make sure my stimulus money and boyfriend stimulus money that had been deposited onto that account last year was being kicked back so I could look for the check to be mailed to us. To my surprise that account is still active and still open. I have proof of my identity. I have the last four digits of the card from that account at the time I was using it provided by cash app, I've provided my social security number my birthday my name my cash tag name screenshots from when I was using that account I provide them a specific dates I moved money specific contacts I used my rent every month I have everything they've asked plus more. I have emails from the manager supervisor XXXX telling me my account is still active my account will continue to receive deposits as they come in as long as my account is active not giving me an option not giving me a choice but just ending that conversation with I'm sorry the case is closed we will no longer be able to help you I have since then made several attempts to get a hold of them just to get the same email back from XXXX stating I'm sorry your case is closed we can no longer help you so that's what I'm doing today asking for help I do feel this is very fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
Experian has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX XXXX not mine

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 2018-04-18
Company: JPMORGAN CHASE & CO.
State: SC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
Good morning. We're coming to you, hoping that you can help us get our home loan modified. 

We have been dealing with Chase for more than a year now and as of recently - we have submitted documentation, for a modification and have been dealing with them asking for the same documents over and over again since XX/XX/XXXX of last year. 

We were assigned a single-point-of-contact AND someone in the escalation department - those individuals intentionally misguided us and, as a recent, we discovered LIED to us, with regards to the status of our request. 

We were initially told by XXXX XXXX that chase was not allowed to include my wife 's income as part of our household income, because this is an USDA loan. This is incorrect. Subsequently, Chase has changed their story and said that we COULD use her income, however, based on her current debt, Chase is only able to use {$250.00} of her {$850.00} of SSI income. 

To make matters even worse - for the last month, we've been told that we had a modification being reviewed ( all notes of contact and conversations attached ) on XX/XX/XXXX, we were informed that there is NO file being reviewed nothing has been reviewed, for the last month. I've also have attached a letter saying that they were reviewing our file and they should have an response by the XX/XX/XXXX. 

They've intentionally misled us and at this point we are considering retaining legal counsel and suing them. Please assist with this exclamation points bulshit

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had credit card with capital one about 6 years. When I got really sick and lost job because of my sickness I contacted them and told them I'm willing to pay them as fast as I find new job.I was never before late with any payments.Not once .When I called them and explain situation they say they will put me in some hardship program and when I ask what that is, they explain that that will stop them from giving me a monthly fee.Right..they just forget to mention that that will also close my account with the oldest card I had. After 4-5 months ( when I was always contacting them ) I found a new job and wanted to pay off my debt .I found out from them that they already closed my account as charge off .In a meantime a checked online why my balance was so high .I found out that a was charge for like 2-3 years from some companies money and they never informed me .What made me belive back then that the monthly amount was so high because of the high fee they charging.I calculate all the frauds they allowed on my account from some two company 's I never heard off and all the previous payments I made and I realize that this card should be paid already long time ago or at least not supposed to have an outstanding balance like this .I called them multiple times to come up with some arrangements but they don't want to even talk to me. They hung up when I want to speak with Manager or threatening me with court, or just treat me like a human trash, when I never said I will not pay them .I just want them to came up with a resolution to this amount. Its impossible to deal with them. They ruined me credit history and they don't even care that I was there loyal costumer for the past 6 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-09
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XXXX XXXX Account ... XXXX {$2000.00} PURCHASED BY XXXX XXXX TRANSACTION DATE Thursday, XX/XX/2019 POST DATE Tuesday, XX/XX/2019 This charge was for two happy hour drinks XXXX colones which is about XXXX $ US. Barclays wont reverse it. I went back to the merchant while i was in XXXX XXXX and he admitted it should have went in as local currency, they would have video of my transaction

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 2019-10-14
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I fell behind on my mortgage because of major home repairs that were urgent and mandatory, in order to keep my home in good condition. I applied to Rushmore Loan Management for a modification, so I can get back in good standing with my mortgage. After several months of the process, Rushmore approved me for a payment of {$3600.00}, a payment that was {$1100.00} MORE than my previous payment, AND also asked me for a down payment of {$6000.00} as a condition for the modification.

They asked me before if I had any money for down payment and I told them I did not, yet they still asked me for over {$6000.00}!

I asked them why are they giving me a payment of {$3600.00} MONTHLY, and what calculation they used to come up with that ridiculous payment, on a house in the ghetto, worth under {$20000.00}, and was shocked at the explanation. So, I have a rental property in Pennsylvania, and THEY USED THE RENTAL INCOME FROM THAT PROPERTY, BUT DID NOT TAKE INTO ACCOUNT, THE MORTGAGE PAYMENT AND EXPENSES ON THAT PROPERTY!! 
So they used the income and didnt care that that mortgage company for that property should be paid with the income from that property. This is insane!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA you are expected to delete these items. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX 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 2023-07-28
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-14
Company: Collection Bureau of America Ltd.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX delivered bottle water to our home on XXXX in XXXX we then notified we would spend the winter months in XXXX XXXX so they transferred our account NO problem. We then relocated and notified them that we returned back to XXXX but this time they did not transfer they opened another account and left old address open. The driver went to old address called us and we had to re-iterate that we had already called and were back at our old address. XXXX XXXX. Onto used to Bill,  call, etc.. finally just wanting them to stop with the bill they were adding there own charges I paid them all there charges thinking totally done they would go away they cashed check on XX/XX/XXXX but then started getting calls from collection bureau of America at XXXX XXXX XXXX, XXXX XXXX CA XXXX account number XXXX. 3 times they told me they would contact this water company I supplied my cashed check with complain. This credit company is saying that the day the water company cashed in on my money is the same day it was sent to them now I owe them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: IL
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:
Despite my multiple attempts to address the presence of fraudulent, inaccurate, and misleading information on my consumer report, the issue has yet to be resolved. The inclusion of these items has had a profound impact on my life, causing significant stress and XXXX. It is crucial to reiterate that I did not authorize or consent to the association of this information with my name, as I have fallen victim to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-14
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
The company XXXX XXXX XXXX XXXX has sent me a notice of wage garnishment to my parents address not mine. 
I have checked my credit report and I do NOT see this creditor listed as part of my debt. I do not know what this is in regards to. 
The complaint is under my maiden name, I got married at the end of XXXX and apparently this was originally filed in XXXX or XXXX which even at this point the debt was too old to collect on. 
I have had similar situations that have been scams, collectors trying to collect on a debt that is non existent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: LAKEVIEW LOAN SERVICING, LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
About the XXXX of XXXX Lakeview Loan Servicing took money out of my account to pay my mortgage. First, my bill is due between the XXXX and the XXXX of every month and I usually pay by check. I tried to resolve this issue with a representative of the organization ( Ms. XXXX XXXX ). Second, Ms. XXXX XXXX said I needed to call a number to get this situation resolved. I did not have any time to call the number because I am taking care of my mother who is sick in Florida. Third, A representative said they called my house number but they couldn't find my cell number. This is the same number this organization was contacting me when they wanted my business. Fourth, a representative closed my claimant without resolving the issue. Fifth, Ms. XXXX XXXX said in the beginning of her email, dated XXXX at XXXX XXXX " Of course you can Mr. XXXX ''. This was in reference to me saying I will file a complaint. ( In my opinion this was her way of saying so what. I am going to do whatever I want and your complaints do not impact me. ) Instead of her saying let 's try to resolve this to protect her company. Thank you for your assistance in this matter. 

Sincerely, 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 2023-11-25
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I understand consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit but nothing in my report is benefiting me or my credit standing, if anything it is harming my reputation, defamation of character, and capacity. Pursuant to 15 USC 1681 ( a ) ( 3 ). 

Experian is reporting an account without having done an initial investigation. 
An account with the name " XXXX XXXX XXXX '' is reporting on my consumer report. This account is inaccurate. This organization never had my permission to report on my consumer report. Who did they investigate? This is damaging my report and reputation as a consumer. 15 USC 1681a ( 2 ) ( A ) ( i ). I am requesting this account be removed immediately!

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 2022-12-24
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2022-12-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX  account # XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.

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 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Fraud or scam

Complaint:
I paid XXXX to dispute the hard inquiries attached to my credit profile because it was incorrect. They stalled me out an then closed my case after I was billed, then they tried to bill me for something totally different an more expensive than my previous amount, which is wrong for a person like myself who was impacted hard by Covid-19. Me and my daughter were victims an quarantined for over a month before we regained our previous lifes back. I took it upon myself to contact XXXX for the same reasons an with there help they removed all the negative inquiries due to my complaint of inaccurate pulls of my credit an my Name was also apart of the Data breach that happened as well so they gave me full attention an complete transparency about fixing the problem because I was wronged.

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 2019-10-14
Company: EQUIFAX, INC.
State: LA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Equifax reporting incorrect information. Stated they recieved from third party. When I contacted the third party they had no information. When I contacted Equifax they said dispute has been resolved. When I contacted your company to investigate further .. now Equifax has no record of who I am, I have a letter from them. This is clearly. Several violations, and lies.

Company response to consumer: Closed with explanation