BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-27
Company: U.S. BANCORP
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/XXXX, U. S. Bank offered me an option to pay back a credit card by entering into their Restart Repayment Program. When the Representative presented the offer, she said I would pay back the debt over 60 months, and the U. S. Bank entry on my credit report would show up as a Voluntary Closure. After discussing the program with the U. S. Bank Specialist,  confirming and re-confirming the terms of the Program 6 times during our 90 minute conversation, including that my credit entry would be updated to show Voluntary Closure, I accepted the repayment terms the U. S. Bank Specialist promised me, and entered into their Restart Repayment Program ; I have been paying U. S. Bank as agreed since I entered into this agreement in XX/XX/XXXX. 

Based on that Agreement, in XXXX of XXXX, I assured a prospective landlord that the entry would show as Voluntary Closure, and when the credit was reviewed in XX/XX/XXXX, U. S. Bank had not updated my credit entry. On XXXX, I called into U. S. Bank to have them correct their mistake, and I spoke with XXXX, who was able to listen to the entire 90 minute call from XXXX, XXXX, XXXX. She came back on the line, and agreed that what I had been told was misleading, and that she also heard multiple times during the call that I was promised a Voluntary Closure of that account, if I entered into the Restart Program. However, she was unable to make the change herself, and had XXXX, a Manager from Solution Department, call me on XXXX. 

XXXX reviewed the XX/XX/XXXX and XX/XX/XXXX calls, and she also agreed that I had been given inaccurrate information and I had been mis-informed. The Manager XXXX also agreed I was promised a Voluntary Closure when I entered into the repayment Program. However, she was unwilling/unable to fix the mistake, and escalated my issue for a call on XX/XX/XXXX at XXXX XXXX  Unfortunately, no one from U. S. Bank ever called me back as XXXX had promised. 

I relied on terms of what U. S. Bank told me when I agreed to re-pay them and enter into their Restart Repayment Program, and I have been keeping up my end of the Agreement for the past 7 months. I would like U. S. Bank to do what they promised and correct my credit entry to show a Voluntary Closure. If logistically a Voluntary Closure can not be done, they should delete that entry on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-04
Company: The Receivable Management Services LLC
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Caller calls atleast 30 to 50 times a day, repeatedly

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 2020-08-27
Company: CITIBANK, N.A.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I have tried to close this citi card account more than 5 times. I have spent collectively more than 5 hours on the phone with Citbank about this as they continued to charge me despite confirming on the phone that the account has been closed. This is the 2nd complaint I am filing with the CFPB about this. While citi bank did refund me the money that was charged after the account has been closed- it appears from the email photo I have attached, that the account is in fact still open. 

We are now more than 4 months into my process of requesting the account be closed permanently. On XX/XX/XXXX, they emailed me saying the account was closed. Clearly this is not the case. 

I will never open a card with this company again. I am enraged that it has taken so much effort to close a credit card.

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 2017-08-02
Company: JPMORGAN CHASE & CO.
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:
Received notice from ya 'll relating to my concern about situation with fraud and signature with JP Morgan ( Chase ) not sure what I should do next, tried in vein to contact you by both phone # XXXX and fax XXXX ..I Tried late at night and earlier morning before XXXX XXXX XXXX  EST.. sorry nto bother you but I'am senior citizen that I feel was taken advantage of please contact me phone # XXXX or fax same number.Please be patient with me ... ..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: Experian Information Solutions Inc.
State: TN
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:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX  XXXX XXXX  XXXX XXXX   ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX  ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX   XXXX please remove this because the date of last activity is inaccorect

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: DHI Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had several problems with DHI lender and underwriting. I was told we would close on the house XX/XX/2020. Today is XX/XX/2020 and I was told on XX/XX/2020 that my Income was too high for down payment assistance. I was lied to in XXXX and was given false disclosures. I was asked to extend my lease and also to drain my 401k to pay down credit cards. As Im writing this today Ive drained all my money living in a hotel because I was told I was closing XXXX XXXX XXXX XXXX. Dhi made it impossible for us to qualify and close on the house. I was promised a refrigerator since Dr XXXX built the wrong house on the lot that we wanted in the first place. The refrigerator was already installed in the home. Ive spent over {$2500.00} extending my lease moving into a hotel and storage fees. Again Im left without a home with no where to go. DHI never wanted to sell us the home. They discounted the house and made it impossible for a XXXX XXXX couple close on the house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-05
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$18000.00}, {$1800.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- AUTO LOAN OR LEASE 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$18000.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1800.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-27
Company: EQUIFAX, INC.
State: TN
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:
Hey my name is XXXX XXXX XXXX : I am writing because i have disputed inaccurate information on my credit report with the credit bureaus and they STILL will not remove it from credit report. I understand that they have to remove it if it is inccorrect. Will you please view my file and the information so that it can be corrected. 

XXXX XXXX please remove this because there are two seperate credit limits ( {$1900.00} {$0.00} ) XXXX XXXX ( Original Creditor : 12 XXXX XXXX XXXX XXXX XXXX ) : please remove this because the balance is INCORRECT CREDIT COLL ( Original Creditor : 06 XXXX ) XXXX THIS IS NOT MY ACCOUNT XXXX XXXX XXXX please remove this because the date of last activity is inaccorect

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
A few months ago, I contacted Navient about lowering my payment amount or interest, but was denied the possibility. It was difficult for me to repay at the time because I had just become a father and the expenses put me in a bind. Because I have a co-signer, I didn't stop making payments, but it was really a hard time. Now, I just had my XXXX baby, and times are harder than they were a few years ago. I tried contacting Navient again, and was denied any possibility of lowering my payments or my interest. I've been making payments for about 7-9 years and I have only made about a {$2000.00} dent in my principle. I need HELP! These people are thieves! I see that there are complaints about their forbearance program. It happened to me! When I was fresh out of school and XXXX failed to help in placing me with an employer, I wasn't able to pay. XXXX at the time, kept making me pay {$50.00} to put my loan in forbearance, and now I owe thousands in interest. It's all a big SCAM! Getting this " education '' has dug me into a hole financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-28
Company: CREDIT ACCEPTANCE CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
I was the co-signer for a vehicle. The vehicle was stolen and the owner of the vehicle is deceased. The car purchased had a warranty and gap insurance through the company. Car was recovered by credit acceptance and sold. However, credit acceptance has put the account on my credit as a repo & charged off account with a balance of over XXXX dollars.

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 2021-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES 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 am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: Experian Information Solutions 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:
The three main credit reporting agencies have not removed items that took over 30 days to investigate. When they finally did there was not sufficient evidence with my signature proving the debt was mine. I've asked them to investigate the Bankruptcy on my credit reports and after contacting XXXX ( which they informed me that they have used to validate the bankruptcy ) which informed me that there is no information with my social security number that matches the reportimh. The agencies continue to report a bankruptcy as well as debts including in bankruptcy on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-02
Company: EQUIFAX, INC.
State: FL
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:
XXXX allowed access to my credit report without my permission and request credit reporting agency to demonstrate clear permission in accordance with the Fair Credit Reporting Act XXXX XXXX XXXX made a hard inquiry twice in XX/XX/XXXX without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16
Company: Accelerated Financial Solutions, LLC
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 belongs to someone else

Complaint:
On XX/XX/2018, I received an alert that a new collection was reported on my credit reports. I reviewed my reports and seen a entry from Accelerated Financial SO ( 12 XXXX Retail ) with a balance of {$2500.00} and a high balance of {$290000.00}. I have disputed XXXX 's 2 years ago about this account. I requested documents and it was proven that this account was not mine. The application clearly proved that there is an individual with the same name that lives in a neighboring city.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-26
Company: GOLDMAN SACHS BANK USA
State: NJ
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/2018, from Goldman Sach repoted inquiries that I never was applying for, I want you please to remove this inquiry from my XX/XX/XXXX credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-12
Company: The Receivable Management Services LLC
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I was with XXXX XXXX XXXX and decided to switch to a different company. I emailed XXXX letting them know that I switched insurances and submitted my new policy to the. XXXX cancelled my insurance in 2019 and said I had a balance. I them emailed them again asking that they send me a new invoice minus the days I switched to a new company. They never did. Fast forward a year I now have negative report from XXXX on my credit report and not once did they update or send a new invoice.

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 2020-01-27
Company: DISCOVER BANK
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone used my personal information to open a Discover credit card, and spent approximately $ 5k on merchandise, cash advances, etc ... I found out about the fraud through XXXX XXXX and also a package was delivered to an address that I had previously moved out of. One of the realtors involved in selling the house after we moved out contacted my wife and connected us with the new owners of the house to get the package. It was a XXXX XXXX which we didn't purchase, and we returned it to the manufacturer. Once we learned of the fraud, I began the process of filing FTC ID Theft Report, freezing credit, contacting Discover, etc ... .. Discover has been very difficult to deal with and here are the facts : A Discover representative informed me that the card was opened from a computer with IP address located in XXXX, TX on XX/XX/XXXX. I was out of the country from XX/XX/XXXX to XX/XX/XXXX, and sent flight documentation to Discover. 

A Discover representative informed of the address used on the application, and it was not even my current address. I moved out of the address in XXXX of XXXX, and the card was opened in XXXX of XXXX. I demonstrated my address to Discover with electricity bills and lease agreements, and they still won't accept the fact that I wasn't living there. 

A Discover representative informed me that someone called from XXXX to activate the card. That phone number was my parents phone number which they cancelled over 5 years ago and has had no association with my family ever since. In order to prove this, XXXX XXXX XXXX XXXX told us that we'd need a subpoena to collect records from that long ago. Discover has said they " matched me voice '' to this call, which is weird because I do not have any defining characteristics in my voice. I don't have a thick accent, and my voice is normal in every way. I do not understand how this would be strong evidence in any way. 

In addition, the fraudster opened a XXXX XXXX account in my name and spent approximately $ 3k. I provided the same documentation to XXXX and they dropped all charges quickly because they knew it couldn't have been me. 

I have consistently cooperated with Discover to resolve the issue and they have been very difficult to deal with. I am trying to buy a house and this issue has hurt my credit score by approximately 200 points! Very stressful and I have provided every piece of documentation I can without a court ordered subpoena. They are costing me time and money!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: EQUIFAX, INC.
State: SC
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 not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: M&T BANK CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
M & T bank transaction fraud : I sold my house on XX/XX/2018. Closing was finalized and my attorney paid the payoff amount to M & T bank. 6 days later on XX/XX/2018, M & T bank withdrew another {$700.00} from my account for mortgage payment. 

I first called my attorney to make sure everything had been settled and they assured me it had and forwarded me the documentation. Then I called M & T bank to ask what was going on. A summary of the conversation is as follows Me : " I closed my mortgage on the XXXX and today ( XX/XX/XXXX ) I had another mortgage withdrawal from my account '' M & T representative : " I see you did close your account but you had auto-pay setup with us so it withdrew the money automatically. It is your responsibility to cancel your auto-pay or another payment like this will happen '' Me : " Don't you have any simple regulation logic in your system to check if a mortgage is closed and paid in full, to not take more money from a person 's account? '' M & T representative : " No '' Me : " Is there any way of you reversing this transaction '' M & T representative : " No we can't do that on our end. Sorry. But don't worry once accounting finalizes everything. If we took too much money we will just give you a check '' Me : " That doesn't seem right that you can just take more money than you are supposed to '' M & T representative : " I understand, but you were supposed to cancel your auto-pay and you didn't and this is why this happened. You will get a check with the amount if we took too much money '' Me : " Again, it seems weird you don't have some regulation in your system setup to prevent this '' M & T representative : " I'm sorry, is there anything else I can help you with? '' Me : " No '' It seems illegal for a bank to essentially take more money than they are allowed to from my account without my permission and claim it was my fault. Then tell me it is ok they will just send me a check at some unknown time in the future. It seems M & T bank is not being accountable for their actions.

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