BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-04
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 submitted to Equifax 6 disputes on XX/XX/XXXX ( this is the second time ). I paid all of my 5 credit card balances to {$0.00} on XX/XX/XXXX and currently have less than 30 % of credit debt ration. My credit limits in total are {$5100.00}. I have total balances of only on 2 of my 5 credit cards of {$510.00}. Equifax not only has not shown the current balances, they have reapplied past balances from before XX/XX/XXXX as of today XX/XX/XXXX. I've contacted all the credit card companies, they are showing my correct low balances. XXXX  shows my score at XXXX. XXXX  shows XXXX. Equifax is showing 65 % usage with a XXXX score today. Yesterday it showed XXXX for about 2 weeks still awaiting 1 of my cards to show the XXXX  balance it has currently. I would've gone up from XXXX. I called Equifax. They say their system was down today so they can not check yet my score dropped 39 points. We are trying to shop for a first home purchase and this is not helping. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
The Credit Bureaus are reporting erroneous information on my credit file

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 2020-08-25
Company: EQUIFAX, INC.
State: GA
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 theft, my information was expoused through the world wide web and account had been created with out my knowledge, I first learn about it back in XX/XX/19 when XXXX XXXX   tried to collect a debt from an account that was not mine they opened an investigation and cancel the collection because they realize that it was not me who originated this account, then I check my credit and found these other fraudulent accounts accounts that don't belong to me, I need you to help me resolve this situation, this has cause me to pay high interes and has diminich my ability to get credit. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-25
Company: CITIBANK, N.A.
State: CA
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:
Hello CFPB I am writing to ask your assistance to reopen my old accounts with Citibank. My Citi thankyou Account with credit Limit {$8900.00} was closed due to inactivity but i was not even notified or aware that i have to use this card otherwise it will be closed. Its my oldest card Since XX/XX/XXXX and by closing this account it Will have very negative effect in my credit worthiness. Aslo citibank closed my another Account Citi Simplicity with credit limit {$9600.00} which i had since XX/XX/XXXX this situation also was same. Please assist me to reopen my old accounts and restore my credit worthiness Thank you

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 2018-10-17
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My wife and I attended University XXXX XXXX online for our XXXX studies. I attended XXXX University online for my masters as well. These schools I believe misrepresented me with their offers of a good education that would enable me to get the level of education and career I was looking for. Needless to say I stayed in my current career because the degrees did not amount to anything on paper. 
Because of the lack of increased pay, we had trouble with the repayment options. We have had numerous loan servicers over the course of graduating with my XXXX. Nelnet, XXXX, XXXX to name a few. When I informed them we was struggling, deferring, forbeance or combining the loans was always their answer. I believe I have made only four payments in the last five years because of the options they kept giving me. The lack of guidance and tactics I believe were confusing and misleading. Now the debt has ballooned to over 80 thousand dollars due to fees and interest and I have no other option ( other than deference that I know they would still give me ) and the payment is way to high for me to handle. Although I have these degrees on my wall, they are of little value and now I have to pay for it the rest of my life. Our credit scores will suffer for years because of this and my wife still hasn't finished acquiring the worthless degree

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: EQUIFAX, INC.
State: FL
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:
XXXX is listed as a hard inquiry on my Equifax report it was done on XX/XX/XXXX since then I have been working on getting it removed as it was not authorized by me I sent a letter by XXXX dated XX/XX/XXXX and one from XXXX XXXX with my cover letter where we all asked them to remove it as it is a error XXXX and XXXX have removed- but in two phone calls Equifax is refusing to do so even though we have provided in writing the request they ask for. they placed it on there report and now have been giving the info from all parties to remove a error. this is totally unfair to me as I did nothing wrong they should NOT be allowed to report incorrect info period not fair to the consumer which is me I also have a XXXX card one that should be removed on XX/XX/XXXX as the two years is up thanks XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am submitting this complaint in regards to an account reporting on my experian and XXXX credit report. I have been disputing this account for months now. XXXX  has deleted it from my report. There is an account ... .XXXX XXXX XXXX that has fraudulant charges on it from over 2 years ago. I have requested that experian and XXXX please delete this account off my report as it is causing me hardship with my credit score. I was told they will not re-dispute this information unless I have a police report or further documentation to provide. I plan on going down to the police station to file this identity theft report this week. However after legal advise I sought I was informed that I can request to have this account blocked from my file for other creditors not to see in the meantime. I spoke with experian the other day and was told they now will re-dispute it and try and block it and or delete it but I must allow 30 days again. I want this account blocked from my credit reports because I am being penalized for something I did not do.

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 2017-11-30
Company: EQUIFAX, 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: Information is missing that should be on the report

Complaint:
I have noticed my payments with XXXX XXXX were not completely reported to Equifax. 
I wrote XXXX XXXX a letter in regards of the problem. I received a respond from XXXX XXXX and it stated, that the information was sent to the consumer credit agency was accurate. I called Equifax to informed about the respond I had from XXXX XXXX. Equifax keeps telling me to call XXXX XXXX. But when I called XXXX XXXX I was told Equifax needs to fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: U.S. BANCORP
State: CA
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:
On XXXX/XXXX/XXXX I had a fraudulent charge of XXXX in my credit card, I discovered it when I looked my transactions online on XXXX/XXXX/XXXX, I contacted their fraud department the same day, the charge was credited. 
On XXXX/XXXX/XXXX XXXX am I contacted a supervisor named XXXX, in order to complain, because I was never contacted by the CC company to alert me about this transaction, that 's completely out of my normal transaction during the 15 years that I 've this CC, the answer was that they did n't have my authorization to contact me, how could a company state such an stupid excuse?

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 2019-04-15
Company: Total Card, Inc.
State: GA
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:
When I went to make my monthly payment it shows no available credit and the full balance due. I have not been contacted at all and have tried contacting via email and no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
I purchased my home in XXXX from an investor who bought it out of a sheriff sale on the courthouse steps in the county I live in XXXX. 
The house was then valued at $ XXXX. Which was also my purchase price. 5 years later, ( XXXX of this year XXXX ) I received a foreclosure notice from Bank of America. ( I have never had a loan with BOA ) I explained to the Bank that I had purchased the home from a licensed Investor in good standing with the state of GA in XXXX and have a Warranty Deed. At the time of purchase, I looked the property up at the Courthouse and found no liens recorded against it. 

Bank of America had already ran a notice in the local paper and were to foreclose on XXXX XXXX. I filed a motion against them at the court and was granted a TRO ( Temporary Restraining Order ) which stopped the foreclosure. Bank of America in turn filed a motion to dismiss my complaint claiming they still had legal title because the original debtor 's Bankruptcy did n't include the second loan. There were a total of 4 loans made to their debtor. They claim the Bankruptcy discharged only the 3rd and 4th. But that The first loan was satisfied. Almost 10 years have passed since the Foreclosure Sale and I have owned the property for the last 4yrs and three months. I have n't been well since this all started back in XXXX of this year. I am a senior citizen with limited resources and can not afford to lose my home which is paid for. Bank of America had every opportunity to settle their issue with their debtor but did not. I am a victim of their negligence and pray for your intervention in this affair.

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 2018-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
XX/XX/2018 CapitalOne Account # XXXX This account was inactive and closed account for nearly a year. They suddenly charged me a membership fee of {$39.00} that I paid to avoid hurting my credit score. Call the company and file the complaint. It shows that it was inactive / closed but I am still charge the " membership fee '' They admitted that this account is inactive. They refused to reversed the " membership fee ''. I think it a scam for them to suddenly charge a so call membership fee. 

The refused to give me a cancelled confirmation but gave me some weird ID number XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have been through a lot of hours on hold and told multiple answers to same questions for some time now. I have received and email from pua clearing me of am investigation into fraud and an approval of a back dated claim to XX/XX/XXXX on XX/XX/XXXX and received a payment issue date for 21 weeks of unpaid weekly benefits. To do so I uploaded picture of me holding ID and pictures of ss # and parcel from my po box I use for mail and pics of me at post office and at post office box etc etc. I was family given a payment issued date of  XX/XX/XXXX and was in progress until XXXX of XXXX I believe and my payments for all 21 weeks were given payment # transaction # and pay date of XXXX. With trans # payment # My payment date kept going back a week to XX/XX/XXXX them to XX/XX/XXXX of XXXX two of those weeks came and gone and no payment even though my pua balence available already showed the money removed on pua portal. Bank of america must have this money and will not post it to my pre paid card. I've lost a residence and now my vehicle will be gone shortly not to mention the on going calls and questions I never get straight answers to from both pua and bank of america .I am currently basically Homless and stay with a friend and pua knows this and I only have my po box to recove my mail.

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 2018-10-17
Company: U.S. BANCORP
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
So basically the problem is with the three payments that I made, but they are no longer visible at my bank statement account in U.S Bank. I have rented a car from XXXX at XXXX XXXX at XX/XX/18 and I paid there {$730.00} then at XX/XX/18 I paid another {$460.00} and then at the very end at XXXX XXXX XXXX where I returned a car I paid another {$57.00}, so in total it is {$1200.00} but two days later I have been charged once again with the total of {$1200.00} so my actual bank balance is nearly - {$1200.00}. Like I said right now those three payments are no longer appers, but I'm sure that those payments weren't pending, they were simply made. I contacted XXXX  and they assured me that from their side is everything OK, but I'm not sure ( I have all emails in case of need ). With U.S Bank I did not contact because right now I'm in XXXX and I can't contact them via email and I don't have my US phone number anymore.

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 2018-04-25
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Each year I submit an IBR request to my student loan company, American Education Services. Each year, they tell me it is incomplete because my spouse has not put her federal student loan data into the application. Every year she does. Then they take out an huge payment before it gets fixed. Last year, I got someone involved to deal with the situation. They have done the same thing this year. However, this time, the didnt approve the IBR for the same reason. We were on top of it and got it taken care of. I called and verified it was taken care of. My payment was reduced from the prior year and it was debited out of my account as such. Then, this month, they tell me my IBR was not approved for the same reason. They debited several hundred dollars out of my account that was unexpected causing overdrafts and not being able to pay bills. They tell me I have to resubmit the application for a third time. Yet, they have already approved the IBR plan as evidenced by the changed debit amount from my account for the lost year. I fell they are taking advantage of student loan borrrowers by losing information and telling me I have not done my due diligence when I have. I have done more than what is necessary to ensure my IBR plan.

In XX/XX/XXXX, I received a letter to reapply, which I did. My spouse completed her portion. Then they told it was too early. I did it again. My spouse and I entered our PIN numbers in the student loan database so they could have access to it in XX/XX/XXXX. OnXX/XX/XXXX, they stated that they sent a letter denying the request. The payment was too high. I told them they didnt calculate my wifes student loan information. I called and they said they didnt have access to my wifes student loans amounts. On XX/XX/XXXX. They told me to get it in and to call back that they received it. My wife completed the information and onXX/XX/XXXX I calle back to verify. I was told everything was done and my payments would be {$240.00}. This month they debited {$770.00} out of my account and told me IBR wasnt approved. However, my payments the year prior were around {$260.00}. They have now told me they are going to expedite another IBR request to the processing department. They are going to request a refund, which will take up to 30 days. In the meantime, we have bills to pay and no money to pay them. Further, other bills are being automatically debited for which I will receive more overdraft fees.

It is worrisome that I go through this every year with them. My wife has an XXXX XXXX and I have a XXXX XXXX. We dont have problems with her student loan company, just AES ability to receive and process paperwork.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-04
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Theres been a miss communication on my credit that I gotten few years ago. Basically they have no evidence I lived in this apartment and they keep updated it on my credit. I told the apartment people and they said they were going to take it off but they never did.

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 2019-04-15
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This complaint concerns Fedloan Servicing and the public service loan forgiveness program. Last year ( XX/XX/XXXX ), in XX/XX/XXXX timeframe, my student loans were transferred to Fedloan Servicing to manage my payments towards the public service loan forgiveness program. I have been consistently making on time payments since my loans have been in repayment status ( XX/XX/XXXX ), before and after they were transferred. In XXXX ( XXXX ), I called customer service to get a total count on the number of payments I had made towards the 120 qualifying payments and was told that I had only made 3. I  informed the customer service representative that it should have been more than that because I had been in repayment status for much longer than that and had been making payments. After reviewing my account again, the representative informed me that I had been making payments larger than what I was supposed to be paying and as such, the payments were not being captured towards the qualifying payments. The representative agreed that I had made more payments than what was originally stated. The rep advised that she would record my concerns and a letter will be mailed to me notifying me of the total number of payments that quality since there was a backlog for this type of issue. Last week ( XX/XX/XXXX ), I received notification that the total number of qualifying payments I had made was 1, which is completely different from anything that was discussed in XX/XX/XXXX. In addition to the above issue, it appears that the balance of my student loans has increased tremendously from what the balance was prior to transferring to Fedloan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-12
Company: ACIMA CREDIT, LLC
State: ND
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In the process of applying for a loan for a hosue our mortgage company pointed out that there is a credit we have in claims with ACIMA credit in the amount of XXXX. We told them to dispute due to knowing this was not me that took this loan or lease. I have since contacted the local police and filed a police reprot as well as have been working with ACIMA credit to try and clear up. According to ACIMA the loan or lease was taken out with them XX/XX/XXXX for {$3900.00}. We have also disputed with my wells fargo account four payments that they have tried to pull from my account ( XXXX, and XX/XX/XXXX ). The current debt owed on the account is XXXX when talking to ACIMA. The account number with ACIMA credit is XXXX. ACIMA will not release any information about the loan other than amounts and dates as of right now. I did not aply for any loans with this comapany and in fact never heard of this company until we started seeing payments being pulled from my bank account as well as when I saw on my credit report.

Company response to consumer: Closed with explanation