BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-05-29
Company: EQUIFAX, INC.
State: KY
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: Investigation took more than 30 days

Complaint:
I submitted a dispute by mail to Equifax on XX/XX/2019, I included a copy of my drivers license and social security card as required by Equifax. In an effort to stall their response time they have sent me a response claiming that I did not provide my Identification which is clearly attached to the letter sent to them on XX/XX/XXXX. I have had this problem with them before in previous disputes and have noticed that this seems to be a common practice for Equifax in an effort to stall. The credit bureaus are required to respond within 30 days of receiving my dispute which Equifax has failed to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Capital One Card : I have not used this card in years. I was not even aware that I still had the card. 
Capital One charged me a member fee w/out my knowledge in XXXX of XXXX. 
They reported credit card late payments in XXXX for this fee. I do not have this card nor have I used this card in years. 

This has been the 2nd time this occurred with them. This happened in XXXX as well. They charged me a member fee for a card that I don't have. I thought I'd closed it. I paid it when they called me but had no real idea what it was pertaining to. 

This is destroying my credit. I do not get paper statements from them nor have I received emails ( or any notice. ) This needs to be corrected ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-24
Company: BOK FINANCIAL CORP
State: ID
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I received a letter in XX/XX/2020, stating that my mortgage company BOK had me pay more than needed into my escrow account and that they would be sending me a check in the next 30 days. 
It is now XX/XX/XXXX and I have still not received a check. 
I have phoned twice and both time was told the check was in the mail

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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: Information belongs to someone else

Complaint:
I check my credit report and notice some things that does not belong to me. These accounts are really affecting my Credit standing and a chance of getting a card approval. The accounts listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

-XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX -XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: PINNACLE RECOVERY, INC.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
No information provide by collector, they just took 50 point on my credit Report, and now saying that I own US {$1900.00} Never was contacted by phone or writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: Mr. Cooper Group Inc.
State: NV
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2021 I wire transferred {$170000.00} from my checking account to NationStar Mortgage LLC XXXX, TX to retire loan # XXXX held in lien on a property located at XXXX XXXX XXXX XXXX XXXX, NV XXXX. As of today no action has been taken on the part of the lender to pay off the mortgage or return my money. I've made numerous calls to associates of the lender and have received nothing but the run-around. No one seems to be able to answer my questions. I have not received a single email or phone call to get to the bottom of this situation and am finally reaching out to you for help. Besides many sleepless nights on my part, my son-in law has had negative reports registered on his credit reports that will affect his borrowing qualifications and interest rates for who knows how long. According to the company 's Resolution Team I should have received an answer within 7-10 business days. This time period expired days ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Sent in a letter last year to cancel all cards with Capital One, my online banking was disabled and since I could no longer make payments online, I wanted to be rid of these. My XXXX  XXXX XXXX card gives me a free FICO score every month. I checked it and found it had dropped dramatically, just about 100 points. 

I ran my own credit and found that Capital One had charged one of those closed cards an annual fee, I had no idea, then they proceed to charge their own fee, late fees and report my 'missed payment ' to the credit reporting agency. 

You can look at my credit, I have no other late fees for years. Except another that the same bank did to me two years ago, that had inspired me to pay off and close these accounts. 

Capital One is not a company with any integrity or morality. never once did we receive a phone call for these 'missed payments ' I want them to fix their mistakes and assure me that those cards are CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-01
Company: LEXISNEXIS
State: IA
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 disputed public record Chapter XXXX bankruptcy dismissed reference number XXXX with XXXX by certified mail on XX/XX/2020. XXXX responded back that the item had been verified as belonging to me in XXXX of 2020 and they listed Lexis Nexis as the furnisher of the Information. I then disputed the information with Lexis Nexis and on a later date ( XX/XX/2020 ). Lexis Nexis further found the Public record info was inaccurate and it was removed from my records there. They stated they would also notify anyone they furnished that information too that it was incorrect and should not have been reported. EVER. XXXX was mentioned by name in the letter as a company they had given incorrect information too and that it would be resolved within 30 days with follow up letters. That I never received from either company. I would just simply request the information be removed from XXXX records. They are incorrect and are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have to repeatedly contact Nelnet via complaints on the XXXX XXXX XXXX  because they do not respond to anything else, their customer service is so poor. I have been asking for an income based repayment plan that matches the federal statues since the pandemic began, which has been a STRUGGLE. Additionally, I had to leave my home quickly to XXXX XXXX from my neighbors, who are XXXX XXXX and I wrote Nelnet asking them to send my documentation to an alternative address and I stated that I have not received anything they claim to have sent. Instead of acknowledging this and making the change, Nelnet sent me a non-response, response ( which is typical for them ). Refused to make the change of address and I STILL do not have any of the documentation that was requested in the first place. I am filing this complaint to get my address changed as requested and new copies of the IBR and documentation requested. It is IMPERATIVE for safety reasons that no further documentation be sent to the previous address on file from Nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
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: Information belongs to someone else

Complaint:
I SENT DATA X MANY DISPUTE LETTERS ON MY NAME AND ADDRESS, I DONT HAVE A MIDDLE NAME. DATA X SENT ME A COPY OF MY CREDIT REPORT ON XX/XX/2020 WITH NO DATE OF BIRTH, A FRAUDULENT MIDDLE NAME AND ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: AR
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:
My identity has been compromised. I have no idea who could of done this to me. As I pulled my report, I saw an outrageous amount under my name that are not mine. Please delete these items from my report. XXXX XXXX XXXX XXXX {$870.00} XXXX XXXX, XXXX XXXX {$65.00} XXXX XXXX XXXX XXXX {$880.00} XXXX XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$1800.00} XXXX XXXX XXXX {$1700.00} XXXX XXXX XXXX {$430.00} XXXX XXXX XXXX {$230.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$6700.00} XXXX XXXX XXXX {$620.00} XXXX XXXX  XXXX {$120.00} XXXX XXXX XXXX {$120.00} XXXX XXXX {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
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 status incorrect

Complaint:
XXXX. Spoke with an agent on XX/XX/2020 stated that they would remove XX/XX/2020 late payment and make account current due to mistake on the banks fault XXXX XXXX XXXX - Account was reporting late XX/XX/2020. My account went into deferment due to covid 19

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Signed up for a Citigold account with a promotion code XXXX on XXXX/XXXX/16 that had a bonus of XXXX miles when meeting the promotional terms ( 2 consecutive bill pays and {$1000.00} spend on the debit card ). Met those terms, and asked for confirmation through secure message on XXXX/XXXX/16, and CSR confirmed that I have indeed met those terms and the miles will be credited after XXXX/XXXX/16 within 10 days. Miles have not posted, so I ask through secure message again, and on XXXX/XXXX/16 received notice saying that I was not eligible but will be receiving notice through the promotions department soon. I have not received any notice since. Upon searching through the CFPB database, there are hundreds, if not thousands, of cases similar to my situation, which means that Citibank knowingly tried to not honor the promotion to many of its customers.

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 2018-10-19
Company: AFNI INC.
State: ID
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I would like to file a complaint against AFNI , Inc. for violating my rights listed in Fair Debt Collection Practices Act, 15 USC 1692g. I received a letter from AFNI on XX/XX/2018 that was dated for XX/XX/2018 regarding a debt with XXXX XXXX XXXX XXXX. I sent a dispute in response to this letter ; via certified mail, on XX/XX/2018. The letter was received and signed for on XX/XX/2018, by a XXXX XXXX. In my letter I disputed the debt, requested validation of the debt from their company, based on my rights, in reference to the Fair Debt Collection Practices Act, 15 USC 1692g. 
The debt is still showing on all three credit reports, and they have also stated the debt is valid in a dispute I made with XXXX  on XX/XX/2018 after sending the request for validation. I sent all correspondence between AFNI, Inc. and I to XXXX, regarding this debt. Even though AFNI, Inc. had not provided me any information regarding the debt in question, AFNI, Inc. responded to XXXX  that the debt was valid. 
I still had not received a response and the collection was still showing on my credit report on XX/XX/2018 so, I sent them another letter ; via certified mail, requesting removal of this debt from all collection agencies. This debt has not been removed from any of my three credit reports ; therefore, I would like to file a complaint against AFNI , Inc., for violating the Fair Debt Collection Practices Act, 15 USC 1692g.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Cornerstone Home Lending Inc.
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX, I asked the branch manager at Velocio if my loan application included the option for a float down. Emails from Velocio say it was eligible for a " one time rate negotiation float down that must take place outside of 10 days from your confirmed close date ... the rate improvement must be .25 or greater in nature '' ( see AttachmentA ). With rates falling, this was a MAJOR FACTOR in choosing Velocio over other lenders. 

On XX/XX/XXXX ( 12 days before closing ), I compared rates with other lenders and found that they had fallen significantly. Velocio confirmed over the phone that their rates were more than 0.25 below the rate I received. However, in an email, they conveniently changed the requirement to 10 BUSINESS days ( see AttachmentB ). This is still enough time .. but apparently Velocio employees have off on Friday, so it doesn't count as a business day. Shame their office schedule isn't publicly available. They then point to my purchase contract and threaten {$11000.00} in charges if I decide to go with another lender ( note : the builder owns the lender ). 

The system only works when consumers can trust the information given to them and act based on their best interests. I chose Velocio as a lender based on the parameters that given to me early in the process and now those parameters have been changed. I want to assume positive intentions on their part, but there needs to be a penalty to discourage this behavior against first time homebuyers like myself in the future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: EQUIFAX, INC.
State: KS
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 have sent several disputes to XXXX XXXX XXXX regarding the alleged balance due. Prior to responding to me regarding one of the disputes in XX/XX/2021, XXXX responded to a third party verifying the validity of the debt. As of XX/XX/2021, XXXX has verified the validity of the debt with the credit reporting agencies and have continuously failed to respond to my disputes. This is in violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
the debt collection company is collect debt that i never had

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-02
Company: RentDebt Automated Collections, LLC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Did not receive notification of this debt for {$1200.00} Currently, I live in XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: MD
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: Investigation took more than 30 days

Complaint:
XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect Account Number : Current Employer : XXXX XXXX XXXX XXXX 2. The following personal information is incorrect Account Number : Previous Employer ( s ) : XXXX XXXX XXXX XXXX. 
3. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX  XXXX XXXX va XXXX 4. The following personal information is incorrect Account Number : Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX md XXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help 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 explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: TN
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:
I filled out the online form to get my annual report from equifax then the website told me that the report was " unavailable '' online. They provided a complicated and onerous procedure for me to collect a bunch of paper documents and apply for it by mail. This unreasonable burden effectively deprives me of the annual report to which I am entitled by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: CITIBANK, N.A.
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 is missing that should be on the report

Complaint:
Citibank instructed the CRAs to delete an open, valid account from my credit report on which I am an authorized user. They did not do so at my request. Nor did they do so at the request of the main accountholder or " responsible person '' -- see attached file. When I called Citi about this in early XX/XX/XXXX, they told me that the account would automatically reappear on my report soon after the current billing cycle ended. I waited a month and it did not reappear. So next, in mid-XX/XX/XXXX, I tried writing to Citi. Citi replied with a refusal to fix its error. I wrote Citi again on XX/XX/XXXX. Today, XX/XX/XXXX, I received a phone call from Citi 's Executive Office ( XXXX ) with another refusal to fix the error. The person with whom I spoke incorrectly believes that the account can not be added again because her office believes that FCRA **prevents** Citi from placing the account back on my report once it has been removed. This is obviously an inaccurate interpretation of 15 U.S.C. 1681i ( a ) ( 5 ) ( C ) : That subsection is designed to prevent reappearance of **inaccurate, unverifiable, and aged-off** accounts. Nobody has disputed that the relevant account remains open and in good standing, or that I remain an authorized user on it. Furthermore, FCRA can indeed be interpreted to **require** that Citi report this account. I have my own credit card account with Citi, opened in XX/XX/XXXX. Citi is reporting that one account, but not this other account for which I am an authorized user. Citi is therefore reporting incomplete information concerning the data it has for me. FCRA does not allow reporting of incomplete information. It states in relevant part : " Duty to correct and update information : A person [ here, Citi as an information furnisher ] who ... has furnished to a consumer reporting agency information that [ it ] determines is not complete ... shall promptly notify the consumer reporting agency of that determination and provide ... any additional information ... necessary to make the information [ it provides ] to the agency complete ... [. It ] shall not thereafter furnish ... information that remains not complete .... '' 15 U.S. Code 1681s-2 ( a ) ( 2 ). Citi knows that it is providing incomplete information for me ( only one of my open accounts with it ), and that it has accurate information -- about the other account -- that is not currently providing. Although Citi can not meet the " promptly '' requirement now because I have been complaining about this since the first half of XX/XX/XXXX, that is no reason for it to refrain from fixing its mistake now.

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