BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-11
Company: Abra
State: OK
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Per a publicly advertised promotional offering, I signed up for a new account with Abra and provided them the same information Ive provided many other such companies that has been fully vetted and for which there has ever been any issue. Furthermore I attended a video presentation required for the promotion and pasted my particular account number in the comments section for the video for which I should have received a promotional offering of cryptocurrency. After viewing the video, the company shut down the account, as apparently they did thousands of other people, and stated via customer service weeks after I filed support requests that they would not honor the promotion in any way, shape or form for me. The company refuses to provide any rationale why they did this and they refuse to work with me and many other customers to remedy the issue. Complaints have been submitted with the California attorney generals office as well as the XXXX XXXX XXXX in XXXX XXXX against this company and the company has responded to none of the complaints. Furthermore the company states on their website and social media a 72 hour response time related to submitted issues however they took several weeks to respond to any of the tickets I submitted regarding this issue which made trying to remedy the issue nearly impossible because the promotion had a particular time limit addresses to it. I believe this action was deliberate on the part of the company. 

Lastly, several of the email threads between me and customer support have been forwarded to both the CEO and CEO of the company to try to get some resolution because customer service claims they can do nothing about this issue and they refused to provide any reason why this happened or provide any remedy despite the fact Ive pointed out to them that their actions are both negligent, bad faith, injurious, and fraudulent. 

Given the lengths Ive gone to to communicate these issues and try to resolve this issue with the company, its clear their actions are being done very deliberately and something needs to be done regarding the issue that affected me and thousands of other customers as can be seen anecdotally on numerous websites where this company advertised the promotion and customers later complained their accounts were also frozen and the company refused to honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I placed a freeze with all three credit reporting agencies about two years ago when I was a victim of Identity theft. Two of the agencies removed the freeze at my request as I'm applying for a mortgage. I've called equifax 4 times in 3 days. First time I'm told all systems are down and its not possible to life the freeze. 2nd call, someone who can not comprehend the english language starts asking me questions and can not clarify the question but they don't ( per what they said ) can only state what the computer screen tells them to say. The security question they ask " what is the monthly credit card payment? '' They can not tell me which credit card they are referring to, and as I advised them, they should know that a monthly credit card payment varies every month depending on usage. Then they ask me if I have ever had a bank, auto or student loan and who was the lender. I advised what time period as I've had multiple ones of all three types. They could not answer because they say " what appears on my screen. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: EQUIFAX, INC.
State: VA
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 no knowledge of any of these inquires or account. I received not products not money. I believe i have been a victim of identity thief.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Ability Recovery Services, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Upon receiving my recent Credit report, I have found information regarding debt that is being claimed against me. 
I've been working diligently to improve my credit, despite having difficulties with collection agencies in the past. I've done my research on debt collection practices and how to manage my personal finances better. I've been saving for quite some time to pay off my accounts and finally did. This was difficult as the collectors were unwilling to work with me at times. That said I was able to pay off the accounts by starting with a new slate on my credit. The collection agencies in question have not removed the accounts from my credit report yet the rest being damaged because of it. They informed me that they would stop reporting the accounts but haven't.

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 2018-06-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
On XX/XX/2018, my co-account holder, XXXX XXXX, made purchses from our joint Chase Bank Account Number XXXX. These resulted in a temporary overdraft. I was, as usual, working out of state testing railroad tracks. However, per Chase 's policy, XXXX XXXX transferred money from his other Chase account to cover the overdraft, before the XXXXXXXX XXXX. CDT deadline on the same day. Therefore, there should have been NO overdraft fee. However, Chase claims, erroneously, that the transfer happened after XXXX. Several accurate and official timekeeping sources indicated that the transfer was before XXXX. We, therefore believe that this was not a legitimate charge, that somehow, erroneously or deliberately, the timeline was manipulated. This has never happened before, this discrepancy. We beleive that this is in retalition for a complaint already on file with Chase, by XXXX XXXX, for lack of timely refinding of {$310.00} which had been fraudulently charged by a merchant recently.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-09
Company: Experian Information Solutions Inc.
State: NJ
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:
Upon reviewing my updates, the XXXX XXXX XXXX account was still found in my report which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was on XX/XX/2020, but no response was ever received from them to date. This account, in my report, is late payment for the months during the pandemic. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
The student loan was through bank of America acct number ending XXXX. The account status says it is 120 past due. This account was turned over to a collection agency and has been paid off for 2 years now. I would like to have it removed from my credit report. The information supplied to XXXX  by the following agencies are out of date or inaccurate. please fix

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
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: Account information incorrect

Complaint:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to XXXX and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to Experian on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, 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: Account information incorrect

Complaint:
Regarding reporting to the credit bureaus, this is very disturbing to me that when I called to get information about my accounts to XXXX XXXX in XX/XX/XXXX, I was assured that there would be no reporting of any negative actions until around early XX/XX/XXXX or after, if my account was not made up to date ; however, when I looked into my credit reports XXXX XXXX already started reporting to Equifax and XXXX that my account was past due 30 days on XX/XX/XXXX, which is much earlier than what I was informed it would be reported. The information was reported early to XXXX on XX/XX/XXXX. XXXX should have also stopped reporting by XX/XX/XXXX, yet they continue to excessively report it at 120 days 3xs this excess reporting needs to be removed from the account immediately. 
Additionally, another alarming detail is that although my account was closed in XX/XX/XXXX, which I was informed after the fact, then why was there additional reporting to the credit bureaus that my account was late after it was closed ; why? my account should have been reported as closed and reporting should have stopped ; yet my account was reported late for 6 months including 2 months of reporting before it was supposed to be reported as late and an additional 4 months after it was supposed to be closed. 
This early and unnecessary reporting has caused damage and rapid decline to my credit score. 
Please remove these excess reporting by XXXX XXXX and the Credit Bureaus off of my credit report. 
Please correct this matter to all three credit bureaus immediately and correct reporting to credit bureaus by erasing reports before and after XX/XX/XXXX, which is when the account was supposedly " closed. '' I have brought up other issues with this credit card account with XXXX XXXX, previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: DISCOVER BANK
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Reference XXXX. 

To whom it may concern, On XX/XX/2022 as an existing cardmember of Discover I was per-qualified for another credit card offer for which I've applied on XX/XX/2022. The status of prequlifying and assurance of extended speed of process as an existing card member of Discover made me consider this offer to an extent of application. On XX/XX/2022 I've received a notification that in order to finalize the application I need to give a call to XXXX and speak with Discover agent. Per this instruction I've gave a call to Discover at approximately XXXX on XX/XX/2022. As a victim of identity fraud in the past, I always make sure to take extra step to protect my information. Because of that there is a 'fraud alert ' on all of 3 major credit bureaus reports, advising lenders to verify the application with me by calling on the phone number listed on the report ( 'Method ' ). This is something I was expected to have with Discover as well as a part of the procedure. Instead I was informed about some form, issued by IRS, which needs to be signed by me ( which as I write this letter ) still haven't been received by me and then wait additional 7 business days. This is extremely confusing, frustrating and misleading, especially for a customer of 3+ years expecting streaming of the whole process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: CREDIT ACCEPTANCE CORPORATION
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am filing this complaint for several late payments to my account which occurred during the pandemic. The late payments for XXXX were in XXXX, XXXX, and XXXX. The late payments for XXXX were in XXXX, XXXX, and XXXX. The monthly payment amount was {$590.00}. I made on time payments prior to the pandemic. It was a very difficult time as a single mother with XXXX kids trying to work during the pandemic. The stress and anxiety from the pandemic and also getting XXXX made it very difficult for me to work. I have called Credit Acceptance on many occasions trying to get them to work with me on those late payments and I didn't receive any assistance. The only thing I received were very rude and unconcerned representatives. I would greatly appreciate some type of leniency in these difficult times.

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 2018-06-05
Company: PENTAGON FEDERAL CREDIT UNION
State: NC
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:
XX/XX/XXXX I submitted a CFPB complaint # XXXX   about Penfed regarding an account that was still listed as a past due charge off that was sold to collection company name XXXX. Penfed responded to this complaint XX/XX/XXXX stating that they still owned this account and that XXXX XXXX was collecting for them in their complaint response. XX/XX/XXXX I agreed with XXXX XXXX and Penfed to settle this account in full and to close this account out to a XXXX balance if I paid the amount of {$2700.00}. XX/XX/XXXX I paid this amount with my debit card and the funds were withdrawn from my account on XX/XX/XXXX. I contacted Penfed and was told that it would take 30 to 60 days for my account to reflect a XXXX balance and to be updated to a satisfied account. However, this never happened. On XX/XX/XXXX I initiated a dispute with XXXX echoing all the above details and on XX/XX/XXXX XXXX  completed their dispute with a verification of the current reporting. XXXX could not have researched the reference account and then verify the information because that is not correct. I believe XXXX did an electronic XXXX   verification and did not research this in its entirety. If PenFed did in fact verify that the account was reporting correctly on my credit report then they are in violation of credit reporting guidelines.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-14
Company: CITIBANK, N.A.
State: CO
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Please refer to complaint filed on XX/XX/XXXX - COMPLAINT ID XXXX, see attachments verifying my identity. 

I am scheduled for closing on a new home on XX/XX/XXXX. On XX/XX/XXXX, I setup a wire transfer from my Citi Bank savings account for a significant amount for the closing. I was called by Citi Bank to verify my transaction. One of the questions asked was what year my stepmother was born. I have not lived with her for 20 years, and my dad hasn't even been married to her for over 10 years. I had to call my dad to get the answer. Citi Bank failed me for the verification process for taking too long to answer. They refused to give me another opportunity or way to verify myself and they flagged my account for fraud. The account is now " under review '' and there is nothing whatsoever that I can do to get the funds. Citi Bank refuses to let me speak to anyone that can help, and just tells me I have to wait for them to clear it and there is nothing whatsoever I can do. I cannotbecause ( a ) there is no branch location or affiliated bank in my state of Colorado and ( b ) they say that even if I do FLY into a state where there is a branch location, that I can not get the cashier 's check because there is a hold on my account. Citi Bank is literally holding MY money hostage. This is MY MONEY and I am willing and able to do whatever to verify myself. They refuse to talk to me and help me. I need help immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: EQUIFAX, INC.
State: NJ
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 receive letters at about 2-3 years home from XXXX stating I had applied for a credit card with them I called them and inform them that I never applied for a credit card with them and to please noted on the system and do not accept any applications for credit cards with them because I had no plans of applying for a credit card with them about a year later I receive another letter trying to verify information concerning another credit card I had applied for I called them again they did n't accept the credit card but nothing ever done them they when ahead and reported to XXXX XXXX that I had applied for a credit card adding 2 hard hits to my credit score, I called them on XX/XX/18 and was told they had already taken care if but I looked at my credit score and the 2 hard hits still there I want to officially file a formal complain agains XXXX and request that they have the 2 hard hits remove from my credit score, XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-15
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Bayview LN XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX Once again we cant get Bayview to service their loan unless we file a CFPB complaint. 
Even Bayviews own attorney is frustrated with Bayview. The attorney informed Bayview several times over the last week - to remove the litigation flags preventing Bayview from speaking with us. Bayview is ignoring their own attorney and is refusing to remove the litigation flags, and therefore speaking to us, XXXX XXXX XXXX, as an authorized third party. There is a foreclosure date coming up very quickly and we simply do not have time to allow Bayview to continue playing these games. XXXX It is apparent that Bayview is ignoring their own attorney in order to force this property into foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Experian Information Solutions 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:
I have 4 negative debt collection accounts that I have no knowledge of. I also have an unknown address on my credit report as well. I am a victim of 17 data breaches and a victim of identity theft. I found another social security number on my Experian credit report that was deleted when I called.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-09
Company: The Outsource Group, Inc
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
On XX/XX/2021, MEDICREDIT INC add a derogatory mark on my credit reports. Upon further research, this account was transferred /sold and I am no longer responsible for it. Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. 
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service :

Company response to consumer: Closed with explanation