BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-22
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Someone calling him/herself " XXXX XXXX '' has contacted me multiple times attempting to collect an alleged debt. I asked " XXXX '' several times to provide the account number, the name and address of the alleged creditor, and verification that " XXXX '' is authorized to act in loco creditore. In addition, the website for " XXXX '' does not function. XXXX has refused to provide all of the information I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: AES/PHEAA
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I try contacting XXXX via their online message regarding payback and qualifying payments for Public health forgiveness program. They never respond and never show proof of messages. If you call to talk to agent, there is no paper trail and calls last for such a long time it isn't possible to call with questions. In addition, information given during the call does not correlate with activity on my account. There is no holding the cust service agent accountable to my actual account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCOUNT # XXXX HAS NO 30/60/90 PAYMENT HISTORY, THIS ACCOUNT SHOWS A OPEN DATE OF XX/XX/XXXX. EXPERIAN IS NOT REPORTING 100 % ACCURATE INFORMATION ON MY CREDIT REPORT, THIS IS A MAJOR VIOLATION OF MY RIGHTS UNDER THE FCRA AND FDCPA. P.S. I HAVE NO KNOWLEDGE OF ACCOUNT # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
There's a charged-off XXXX credit card account account from Midland Credit Management appearing on my credit report. I haven't had a credit card account with XXXX in over 10 years. Therefore, this account has to be a product of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with CHASE CARD. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CHASE CARD with no successful resolution. XXXX, XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late XXXX, XXXX, XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: CITIBANK, N.A.
State: TX
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 haven't wasted countless hours trying to close my Citi Prestige Credit Card account. I have never been able to use the card. As soon as it was activated it was flagged for fraud. Citi has never been able to verify me. 

In fact, this is my second CFPB complaint on the matter. On the first complaint, XXXX XXXX of Citi 's  Executive Response Unit did not even address my frustration. The fact is over the course of XX/XX/XXXX and  XX/XX/XXXX I have wasted countless hours of my life trying to be verified by Citi for a credit card they have given to me so I can SIMPLY CLOSE THE ACCOUNT. XXXX XXXX claims a letter was sent to me and that I need to provide a reference number to close the account. I RECEIVED NO LETTER. You call the fraud department, they can't verify me. They transfer me to customer service. Customer service says they can't do anything and that I need to talk to the fraud department. No one knows anything or is able to do anything. I've called XXXX XXXX of the EXECUTIVE RESPONSE UNIT twice and left voicemails -- no response or follow-up. 

Citi is charging me interest and fees for an account I can not even access!!!!!!!!!!!!!!!! Despite having a checking account and savings account with the Citi Private Bank arm, no dice. I'm lost in the system and it seems like there is absolutely no hope and no one at Citibank is capable of rectifying my situation.

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 2018-09-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 belongs to someone else

Complaint:
I have sent in a few disputes to the credit bureaus to get a child support account off my credit report that is not mine. Ive been battling with the state attorney general office and this process of disputing with credit bureaus and have had no success. I pay child support only on one kid but the other child support account that is showing at XXXX something XXXX dollar balance is not mine and Im hoping that some sort of documentation will help clear this matter. The document the OAG sent me was last year. I appreciate this site for being here to help

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 2021-06-09
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do not owe any debt and I never have. Sequim continues to call me. It says I have a XXXX  balance and they will not remove me from their call list. I spoke with one woman and she told her to take me off the list and she hung up on me. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-12
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 a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I opened a XXXX XXXX XXXX  card by recommendation from credit building program called XXXX credit in XX/XX/XXXX. Shortly after opening the account I was hit with charges without using the card and without getting statement. I notified XXXX XXXX by phone to find out what happen. They explained when I open a card there is an annual fee upfront. So I paid it. However they reported me late on XX/XX/XXXX and this was a major hit on my credit that I have been rebuilding for 5 years. Then later in XX/XX/XXXX- {$49.00} was charged to my account again from XXXX . Again no statements and no notice XXXX XXXX kept charging late fees and I found this out when I pulled my credit in XX/XX/XXXX. Also to my surprise and Shock I had 3 derogatory late pymts from XXXX XXXX. I contacted XXXX XXXX in XX/XX/XXXX they demanded {$120.00} to discuss my account and enable me to put in a dispute. This was a clear evidence of Identity theft and fraud. I did not use this card. However I paid XXXX XXXX again {$120.00} to stop the bleeding of reporting more derogatory reports on my credit. Shortly after on XX/XX/XXXX XXXX XXXX finally responded to my dispute and AGREED I was not responsible for the identity fraud charges and all subsequent charges thereafter. I recontacted XXXX XXXX to inform them to please remove all these degratory actions dating all the way back to beginning XX/XX/XXXX. They agreed and also agreed to reimburse me the {$120.00} I paid them in XX/XX/XXXX. Unfortunately I did not get the next correspondancce until XX/XX/XXXX- again from XXXX XXXX supporting they reviewed my account and I WAS NOT RESPONSIBLE and they will report to all 3 credit agencies to remove my negative reports from XXXX XXXX. BUT I had to wait 60 more days. Unfortunately XXXX XXXX removed several negative reports but DID NOT remove the negative report from XX/XX/XXXX. and my credit continues to suffer almost 2 years later. I have been turned down for several car loans, house financing and much more. 












{$0.00} XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: EQUIFAX, INC.
State: VA
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 filing a complaint against Equifax for their violations of the Fair Credit Reporting Act. 

On XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018. I requested verification of the information being reported by the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX I questioned the accuracy of the information being reported as it doesnt match my records. My understanding of the FCRA is that any information that is not 100 % accurate must either be updated to reflect its accuracy, or promptly be removed from my credit report. I have spent more time than necessary to get Equifax to report the account information correctly. Both XXXX  and XXXX have completely removed these accounts from my credit reports because they were not able to verify the information. I know that these companies are different, but how can Equifax continue to verify inaccurate information?? At this point I am thinking of seeking legal assistance because what they are doing is not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-12
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Bureaus are not reporting factual accurate information. Information across all bureaus is inaccurate and different. Some bureaus are reporting some accounts open, while the other bureaus report no information. Charge off with balances attached. Inaccurate balance. No proof or shown of validation of the debt.

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 2018-08-15
Company: Navient Solutions, LLC.
State: OR
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:
On frequent occasions the Navient website has not accurately posted my payments. I took screen shots throughout XXXX to show how within the same billing month the payment due amount jumped all over the place despite me submitting payments of the entire amount due each time I logged in. Attached are screenshots of the revolving amount due within a few days of each other despite me processing payments to the entire amount due. Not only that but their website makes critical decision making information obscure to access. They have embedded loan details and other factors about the promissary conditions impossible to track down. There have also been floating " Late fees '' posting to my account. These fees should not apply because I currently have Income Based Repayment at {$0.00}. A phone customer service person told me those were just late fees and would not affect my account but could not ensure anyway that they would not be reflected on my overall balance. Recently I was about to make a change to my account to move some of my balances to a consolidation to ensure that they would be eligible for REPAYE. I asked the customer service person what fees or expenses I might incur from this move. They listed that I needed to make a minimum payment of {$5.00} for that month and that I would need to pay the interest for that month. After asking if that was all the expenses I would incur she insisted yes until I asked if any interest would be capitalized on my account. She then indicated that it would, because I asked but it was obvious that she was trying to obscure that information as well. I believe they have done this on a few other occasions and it has caused me to rack up over {$20000.00} of capitalized interest that could have otherwise been prevented. Their website is unethical in how it fails to provide detailed and accurate information about my loans and payments. Most of the time their customer service members are digging for answers about why things are occurring on my account as opposed to having access to clear and truthful facts about my loans. They are intentionally obscuring critical decision making information about my loans. In no way are these tools proper for loan management and are causing my loans to inflate to larger amounts as opposed to assist me in paying them down. I believe I was not given proper information to choose the proper Income Based Repayment plan reflective of my circumstances and that has also added over {$72000.00} to my overall amount owed. Their loan servicing is unreliable, inaccurate and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment of {$4200.00} to CapitalOne to pay off my charge card nearly 3 months ago. CapitalOne can not find the check in their system. However, I have confirmed with my bank that CapitalOne cashed the check. I have called nearly every day for the past many months and get no where closer to a resolution. The issuing bank gave me a " affidavit of forgery '' document which they need CapitalOne to complete. The issuing bank can not proceed with its investigation until this document is completed by CapitalOne. CapitalOne refuses to complete this document. In the meantime, my credit is destroyed and I am out {$4200.00}. No one will help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-15
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
I have a used car loan with Santander where I make a monthly payment of {$310.00}. I have recently gone through a financial hardship and have had a hard time making on time payments every month. 

I am looking to lower my monthly payment along with interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
In XX/XX/XXXX I contacted the TransUnion Credit Bureau after I noticed a XXXX XXXX XXXX # XXXX credit card on my report. This credit card was opened on XX/XX/XXXX but only appeared on my TransUnion report on XX/XX/XXXX. I told them that this is NOT my credit card and that I never owned a XXXX credit card. They said they would investigate and sent me their investigation report of XX/XX/XXXX ( File Number : XXXX ) which stated that they verified as accurate that this was my credit card. 
I contacted XXXX on XX/XX/XXXX ( spoke to XXXX ) and they verified that this was not my credit card ... the mailing address, middle name, checking account # and date of birth was different from mine but my social security number was associated with that account. They told me it was a " automatic system issue '' problem and they would take care of it. I contacted XXXX on XX/XX/XXXX with no resolution in sight. This credit card still appears 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 non-monetary relief
Consumer complaint received 2018-06-22
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This debt was paid in full in XX/XX/2017, for about {$220.00}. I verbally asked over the phone before settling this debt that in exchange for my payment, they delete this account which was ( and still is ) negatively reporting on my credit. I held up my end of the agreement and paid, but they did not hold up their end of the agreement. They are still reporting negatively on my credit report under collections, as account settled. This is NOT what was agreed upon and they are holding me back from the benefits of having good credit. I have repeatedly contacted them via phone afterwards to dispute this, but after stating what my problem is each time I call, they then transfer me to another line, then the phone coincidentally gets disconnected. I paid this account and in return this was supposed to be deleted. They lied.

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 2017-03-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
When credit bureau experian and XXXX are pulled by lenders XXXX is my credit score. I have more than 10 year 's of established credit. Also, for some time now XXXX states that credit files split into XXXX with that beingvsaid I have missing positive information on only my XXXX. I spoke to the office of consumer affairs and they advised me the credit splitting and not reporting years of established credit is an error with their database. Why should their error be at my expense?

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: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Chase responded with ridiculous reasoning -- Chase only deals with my former attorney XXXX XXXX, a rogue lawyer and my complaint as urged by California Bar Association is being filed. Chase is doing everything to steer me away while the bank illegally keeps the fund of around XXXX plus years of interest. Will call CFPB to discuss.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX I applied & then was approved for a Bank of America checking account online. On XX/XX/XXXX I went into a Bank of America branch to make my opening deposit. I deposited a cashiers check made out to me from another local bank for {$10000.00} And {$500.00} in cash. I was told There would be a seven day hold on my check at that time. I was fine with that. On XXXX I called the customer service number to obtain my account number so that I was able to gain online access to my account. They transferred me to the account closings department and said that they would be closing my account. I was told that the account would be closing on XX/XX/XXXX and at that time they would mail me a check. I wasnt happy with that so the agent Put in a request to be able to pick up my funds at a branch after the check cleared on XXXX. On XX/XX/XXXX, I again called customer service ( account closings dept ) only to be told that my last name on the account was not correct & they asked me if I went over by a different name. The last name that they had on the account was a last name that I had over six years ago. I dont understand how this happens when the account opening letter and my debit card that I received from Bank of America it was in my current last name but the account isnt? The agent was able to verify my identity through my phone number. I was told that my check had cleared & I was approved to be able to pick up my money from a branch. He also told me that I needed to take with me a document of my name change. I made an appointment at a branch for the next morning and after explaining everything and showing all the necessary documents I was told that the account was still in review and that they would mail me a check in my former last name to a former address. I told them that the review board approved my request to be able to pick up my money from a branch and was told they couldnt see that type of information? Furthermore, the cashiers check for {$10000.00} that was deposited was made out to me with my CURRENT last name & CURRENT address. I left there in tears & WITHOUT my money. I called Customer Service AGAIN and was told that yes, I was approved to be able to collect my money from a branch & that I should try another branch. This is ridiculous.

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 monetary relief
Consumer complaint received 2021-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
in 2017 on my report but they remove it as identity theft or fraud i been on phone with capital one but they dont care about identity theft or fraud i want they to fix i already file a fairshake law

Company response to consumer: Closed with explanation