BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-30
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been working to resolve this repayment plan and options only to reduce my current monthly payments from {$260.00} to {$57.00} which I was informed that I was approved for the {$57.00} repayment plan. I submitted the requested documents via of electronic submission and downloading and attaching the proof of income of which my income has decreased. I continue to receive calls from Navient day and night beginning at XXXX until XXXX. These calls are all throughout the day and evening. It is very disappointing that when you speak with a representative to resolve the matter, and you are told we are here to assist and how can you get the best repayment plan, you are only offered false hope and additional fees. I will seek additional information on how to join the class action lawsuit against Navient, I have not even graduated and they continue to threatening me, I am beginning to believe that Navient is a fraud due to their ill-intent actions in claiming that I was approved for a repayment plan of {$57.00} and losing my income. Please help resolve this issue and provide assistance in getting this debt discharged. Thank you. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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:
Capital One restricted my credit card account -- without warning -- due to inactivity. They will close it in 4 months ' time. The card had a large credit limit, with XXXX balance due, and I would have used the card to prevent having the account closed. This will be a negative hit on my credit score, which I have worked to maintain at the highest level. 

I had the card for over a decade. I stopped using it regularly because other cards became available with much better travel and rewards incentives. Perhaps Capital One should have considered alternatives to sustain my use of their product. 

I understand that Capital One wasn't making money off my account. Still, customers should have an opportunity to take steps to protect themselves. Capital One agreed to a credit limit, and I utilized it. Agreements work both ways. 

There is not a single word in the agreement that the account can be closed due to inactivity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
XXXX has finally acknowledged my property tax exemption however they are now holding onto my excess escrow which was supposed to pay the mortgage. I have over XXXX dollars in escrow and they have my mortgage in default status and will not use this excess money to pay my mortgage for XXXX. I have sent XXXX in which should cover XXXX and XXXX but the excess money in my escrow account will more than cover XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I applied and received a XXXX XXXX on XX/XX/XXXX. There were no problems or difficulties initially. I requested and received a physical card. I made my first purchase with it on XX/XX/XXXX for XXXX dollars. This worked without issue. I attempted to make a large purchase on XX/XX/XXXX for XXXX. This was declined. I called in figuring they needed verification. The first woman I spoke to said my account was in review and they could not verify my information. I escalated to her " Supervisor '' whom repeatedly misgendered me on the phone. When corrected, the " supervisor '' stated and I quote, " Ok Ma'am whatever you want to call yourself. '' That was call one. I then contacted XXXX on XX/XX/XXXX. I was informed by apple support that they would get me in contact with Goldman Sachs to resolve the issue. The agent at Goldman Sachs stated that they can not resolve an issue via inbound call so they would arrange a call back. I never received a callback. Subsequent calls to find out a status have been met with a " Don't Call us We will call you '' that never receives a call. On XX/XX/XXXX I attempted to use the inline support through the XXXX App on the XXXX and received the same " Don't call us we will call you. '' response. I will attach the chat log to this image. 

Thus far the treatment I have received from both XXXX and Goldman Sachs has been abysmal and in Goldman 's case even included some discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-27
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: Account information incorrect

Complaint:
In my credit report I have a 30 day late payment report on XX/XX/2017 report by XXXX  XXXX /ACCOUNT NUMBER XXXX .... 
The information is incorrect and should be corrected to no late payment.

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 2019-06-30
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, I am requesting very low settlements in the 20 % range of where my debts were at the last payment. Accordingly, I believe that I only have one chance at this, and if I do not start receiving settlement offers soon, I will retain the bankruptcy attorney I recently consulted. Therefore, I request letters of settlement, and I request the cease and desist from all calls to my home, cell and/or work. I desire to resolve these matters in written form only. 

Thank you for your consideration in this matter.

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 2019-06-30
Company: EQUIFAX, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
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 tried repeatedly tried to have fraudulent Items removed from my Equifax report since XX/XX/2019. Initially there was 9 credit cards and inquiries that were all identity theft. I sent Equifax as they requested a police report and affidavit reporting the fraud on my report and asked them to block the information immediately. It is now 3 months later and they have removed all but 4 credit cards. 
1.XXXX XXXX 2.XXXX 3XXXX 4.XXXX/XXXX  I have talked to each credit card company and they have since stop reporting the items on all of my other credit reports. Somehow Equifax removed all but 4 of the items stating I needed a new police report. I sent in a new police report and they are still refusing to remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
On XX/XX/XXXX, two amounts were taken out of our checking account by Toyota Financial for the payoff. One amount was for {$2800.00} and another amount was for {$2800.00}. 

The payoff amount was {$2800.00}. We received a credit check of {$1.00} Toyota has not responded to my requests to refund the second withdrawal of {$2800.00} and they do not even acknowledge having received it. The second amount does not even shown up on our " payment history '' on the account. indicating that they are not acknowledging having taken the money. They have been uncooperative and unresponsive to repeated requests to address the issue. 

The overpayment was made by me " on accident '' as I did not see that the first payment had gone through - it was not showing up on my account with Toyota. 

I am going to my bank tomorrow and reporting this as well, XXXX XXXX XXXX. Our checking account number is XXXX. Phone number XXXX. 
The Toyota Account Number is XXXX. It was for a XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I was attempting to obtain an investment loan for my small business and the potential investor notified me that my credit report was frozen through Experian. I do not have an Experian account nor had I ever requested a credit freeze. I was also never contacted by Experian to be notified of the freeze. I was unable to use the Experian website to unfreeze my report because I do not have an account. It took two hours of calling different phone numbers and searching online before I was able to bypass the automated phone system and speak with a live human being. They were able to remove the freeze, however, I am reporting them because the freeze should never have been initialized in the first place. As said previously, I DO NOT have an Experian account and I NEVER requested a credit report freeze. This unauthorized activity nearly caused a catastrophe with my business finances.

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 2019-06-30
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, 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:
On XX/XX/XXXX, I received an alert that my credit report from Equifax had been pulled by XXXX XXXX. Since my cell phone service is with them, I thought they were just doing a random check. Then i realized that the account is not under my name and they would not have my social security number. I then called XXXX on XX/XX/XXXX and spoke with customer service. They explained that they did not see an account with my Social Security number. I explained about the credit pull and asked to speak with the fraud dept. I was transferred and spoke with someone in the Fraud Dept. When they looked up my information, they stated that they see that an inquiry was pulled and that the realized that the account being opened was fraudulent and that no account was opened. I asked about the credit pull and they stated that a request had already been sent to Equifax to have it removed. 

I then went to the Equifax website and put in a dispute for the credit inquiry under the the reason that I did not authorize the report.. Their confirmation states that it could take up to 30 days for the dispute process. I received a response back within 48 hours stating that they would NOT remove the inquiry as it was a true reflection of a request on my credit. On XX/XX/XXXX I then put in another request to have it removed under the reason of this is a fraudulent inquiry. I again received a response back within 48 hours with the same response that they would NOT remove the inquiry as it was a true reflection of a request on my credit. I then called Equifax and was told the same thing that it was a true reflection of a request on my credit. I can now see that Equifax allows you to put in a dispute for fraudulent activity but denies the claim everytime. They also stated that they have not received and request from XXXX to remove the inquiry. 

I then called XXXX and requested to speak with the fraud dept once again. I was again told that the request had been submitted to Equifax to have the inquiry removed. 

It is now XX/XX/XXXX and the inquiry is still on my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-25
Company: CITIBANK, N.A.
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
citi bank customer service supervisor XXXX very rude to me. I asked for she honor her promised me to match the offer XXXX bonus mileage back after XXXX spending on my Citi Busniess AAdvatange credit card. but she denied it to 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 2021-07-14
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:
I have been waiting for the credit bills to fix the errors that they have put onto my consumer report! Under the law 1681a exclusion b clearly states that they are in violation of my consumer rights. Under exclusion it clearly states any specific extension of credit the was given from the extension of a card for the purpose obtaining money property labor on any services on credit under my social security card number should be excluded from my consumer report! THING THAT WAS OFFERED OR Authorize with my card should be excluded from my credit report! Please remove all these items immediately from my report or I will seek litigation immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-11
Company: EOS Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
EOS CCA is a debt collection company that has purchased a Fraudulent debt or Identity thief debt from XXXX XXXX in my name in the amount of {$2400.00}. 
This debt is not mine, I have tried in every way to get this company to remove this fraudulent debt from my credit report. I have received a fraud pocket from EOS CCA in XXXX XXXX XXXX, I promptly completed the pocket/documents and summitted a Affidavit signed by a Notary and mailed the package on XX/XX/2020 as a registered package to an address in XXXX MA that was on the documents. This is the address of EOS CCA. The USPS sent me an alert when the mail was delivered to the EOS CCA address. That was almost two months ago and I haven't received a reply as promised to myself and the XXXX XXXX  XXXX from EOS CCA..I have sent documents to this company with the telephone number which I had during the period in question and they still refused to correct this gross error. 
Below is the USPS receipt from a registered mail dated XX/XX/2020 and mail to XXXX MA, the return address on the affidavit. They have informed the XXXX that they did not received the registered package despite the contrary from the USPS. Below is verification of delivery by the USPS.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: EQUIFAX, INC.
State: WI
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: Other problem getting your report or credit score

Complaint:
previously I have filed cfpb complaints on the three credit bureaus XXXX Equifax and XXXX before so this process is not a new process.. 
Equifax in 2017 had an Equifax data breach millions millions and millions of Americans were affected by this breach yet to my knowledge there is a class action settlement being settled with a hearing in XX/XX/XXXX of this year with millions cleaning either a money reimbursement or a credit restoration program for 10 years. I claimed the 10-year credit restoration over the money claim but that will not be approved until the court approves it.. however I am very upset that every time I try to get an Equifax free annual credit report or another credit disclosure report with or without the credit score attached they always ask me at nickel facts for information yes I do have an extended fraud alert promotional opt out security freeze credit alert credit freeze but if they can prove that means my information is in their database why law and the bureau say they need me to submit mail documentation every time that gets really old. I don't have the money funds or the time to keep sending in my proof over and over and over each time I make a request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-07
Company: EQUIFAX, INC.
State: NC
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 sent certified mail via USPS to Equifax on XX/XX/21, giving them all my current information and requesting that they delete all old addresses on my report. More than 30 days later, they have made no efforts to contact me. In addition, none of the old addresses have been removed. 

Equifaxs refusal to update my incorrect items is not only keeping me susceptible to identity theft, but its also hindering me from applying for credit

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Hi, About a month and a half ago, my XXXX XXXX high yields savings account got frozen because of some mail that was returned back. I have a new address and it wasn't updated on my account so the mail was going to my parent 's address and the mail was returned. Therefore, XXXX XXXX has frozen my account due to mail being returned so they can prevent fraudulent actions being taken on my account. 

I called XXXX XXXX and they have instructed me to send in an invoice of a utility bill with my new address and I have done that. I have faxed it over and they still haven't responded or unfroze my account. Every time I call an operator, they are just pushing me through to the next operator. I am getting no help from Synchrony 's customer service. 

My savings account has been locked for almost two months.

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 2018-01-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I have owned an XXXX XXXX XXXX card for one more year and I just received an offer from XXXX & Amex last year which I could refer my friends to apply for this credit card. After my friend has been approved, I will get 10k bonus for each successful referral. I have referred three friends in XX/XX/XXXX. But I only got 5k bonus for the first two friends and had nothing for my third successful referral. I have contacted AMEX custom service to fix this issue in XX/XX/XXXX like 6 or 7 times. Initially, they said I need to provide my friends ' e-mail and full name. Then they told me I need to wait until 8-12 weeks for the rest of the bonus arriving in my account. I think already that I could wait. But after 12 weeks, when I contacted them and they said that I need to provide last five digits of my friends ' credit number. After a few weeks, when I contacted them, they said they could not find give me the rest of bonus since they could not find the history. Each time I contacted them first, otherwise, they wouldn't tell me any results of this issue. The truth is that my first two friends have received their open account bonus and I just got 5k not 10k for each like promised in the e-mail. But the customs service just told me that they could not find anything in the system. Is this a fraud approach to cheat more customs to apply for their credit cards? I hope this problem could be solved fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-30
Company: Experian Information Solutions Inc.
State: NV
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:
My personal information has been leaked several times now, Experian AND XXXX  HAVE A RESPONSIBILITY TO PROTECT PERSONAL INFORMATION. MY CREEIT CARD AMOUNTS HAVE INCREASED IN THE PAST AND MY REPORT WAS NOT AFFECTED OR IT ONLY DROPPED A COUPLE POINTS ... .TODAY I LOOK AND MY XXXX CREDIT REPORT DROPPED OVER 40 XXXX POINTS! I want my credit rating restored to 700 and for Experian to no longer have access to my personal information. These credit ripoff agencies are causing monetary damages and more. I'm going to contact a lawyer.

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