BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-16
Company: U.S. BANCORP
State: WA
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I ordered something on XX/XX/2018 and cancelled it in the morning. Since it was a international transaction, I cancelled the order and called my bank first thing in the morning to give them a heads up. The company said since it's a international transaction, it'll take 2-3 weeks to get a refund. I never received my refund and the company stopped replying to my emails. I called my bank and they marked it as a fraud case and wanted me to prove the merchandise was counterfeit, even though I never received it. After several months of back and forth, I finally got in touch with a supervisor who listened and realized the reason my claim kept getting denied was because it wasn't a fraud case and instead just a dispute, she said I'd get my money back in a few days but I never did. I've been calling US bank and staying on the line for hours waiting while my call is transferred to the correct department only to be picked up by voicemail -- apparently their dispute department only works couple hours a week. 

I just want my {$330.00} back from US Bank. I called them when I cancelled my order and I never received the merchandise ( i cancelled it ) and never received my refund from either side. I'm not sure what actions I can take to get my money back.

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 2020-01-28
Company: Western-Shamrock Corporation
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
On XX/XX/XXXX I received a personal loan from Western Finance in XXXX, Texas for {$150.00}. Their address locally is XXXX XXXX XXXX, XXXX, Texas XXXX. Phone number is XXXX. The managers name is XXXX. The district manager 's phone number is XXXX. I do not recall his name, however he did call me after me getting an employee to pass him the message and he verbally confirmed that he received the cease and desist notice. The corporate address is Western Finance XXXX XXXX XXXX XXXX XXXX, Texas XXXX. The customer service number is ( XXXX ) XXXX. 
I made the XXXX and XXXX payments on time, however the XX/XX/XXXX payment did not get made because they closed by the time I got off work for the holiday. On XX/XX/XXXX I had just made it to work and the manager called me and left a voicemail, while checking this voicemail, she contacted my mother and my daughter not giving me enough time to finish the message and remember to call and pay. She continually harrassed them and when I did get her on the phone she stated that she had the right to call anybody she wanted to because my account was late. I then requested that no more calls be made to me or my references and sent over a cease and desist notice via fax to this company. I did not hear from them again until Monday, XX/XX/XXXX. When I finally got the lady on the phone she stated that she was going to continue to break the law and call me because I still owe a balance. I contacted the district manager and he agreed with her and stated that he received my cease and desist letter and the companies attorney advise them to keep calling me, in spite of my request to not be contacted. I also received another call on today, XX/XX/XXXX from the Western Finance company. Please help me in my attempt to make this debt collector follow the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Upon receiving notifications in my credit monitoring system, I discovered an abundance of inquiries that I am unfamiliar with. These inquiries are not associated with me, and thus, I did not provide my consent for them. This situation constitutes a violation of 15 USC 1681 B : Permissible of Consumer Reports, and I kindly request their immediate removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-31
Company: CL Holdings LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from Jefferson CapitaXXXX claiming I owe {$1200.00}, offering settlement options. I think they have been calling according to my wife, whom as asked them to stop on numerous occasions

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-13
Company: AXOS FINANCIAL, INC.
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
This is an online money market account AXOS Bank, also operating as XXXX XXXX, sent me a threat lettter, that if there was no activity on my account, they would report it to the government. 

I then attempted to log in. My password did not function. After a long time dealing with their customer service people, they said they would e mail me a password change request. It never came. ( all my other e mails reach me and I had nothing in spam filters ) Finally, I called back to close the account. They said I had to log in to close the account. Again, a long time on hold. I explained I CAN'T LOG IN TO CLOSE THE ACCOUNT because the system won't let me log in. 

I do online banking with other money market places, and no such problem. 

I have attached their little threat letter. 

All I want is to close this account without having to log in to their shabby website, which I can't do. 

Now, they are saying they will send me a message that I have to respond to in order to verify it, so I can close the account. However, to see the message, I have to log in to their website, which has been impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: TRANSWORLD SYSTEMS INC
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This is about an insurance claim from XXXX XXXX that was finally paid XXXX XXXX by my insurance company. 
I have called XXXX 2 times and have asked the XXXX XXXX 4 times to tell XXXX to stop calling me. XXXX has called me every other day since XXXX XXXX. XXXX called again this morning.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: PA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I have consistently ensured my payments are made on time, with no instances of being late. It is entirely unacceptable to see late payments noted on my account, and I vehemently request that you promptly correct this mistake. Please take immediate action to rectify my account and guarantee its accurate reflection of my payment history.

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 2019-04-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Account : XXXX Balance : XXXX USPS Certified Tracking # : XXXX Mail Date : XX/XX/2019 I've requested that Portfolio Recovery Associates, LLC validate the debts they claim I owe which includes proof that I am indeed the party they're are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. I specifically requested for validation made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA which included the following : Agreement with your client that grants you the authority to collect on this alleged debt. 
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. 
Any insurance claims been made by any creditor regarding this account. 
Any Judgments obtained by any creditor regarding this account. 
Name and address of alleged creditor. 
Name on file of alleged debtor. 
Alleged account number. 
Address on file for alleged debtor. 
Amount of alleged debt. 
Date this alleged debt became payable. 
Date of original charge off or delinquency. 
Verification that this debt was assigned or sold to collector. 
Complete accounting of alleged debt. 
Commission for debt collector if collection efforts are successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
My name and account was place in the XXXX  in 2018 because of report of fraudulent activity. I have tried several different times by phone to contact BOA but was not able to be verified in their system. I was told to go into XXXX of their branches and ask to be verified, I tried several times but could not be verified. The last time I entered into XXXX of the branches I was told by a representative that my account is closed and I could not bank with BOA ever again. Im not looking for information I already know. I was told by XXXX  that BOA has to be the one to remove my name from off the system. This has been five years and that is how long my name can be kept on XXXXBOA was suppose to already taken my name off XXXX  by law.

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 2023-11-03
Company: GOLDMAN SACHS BANK USA
Product: Credit 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 against my Marcus card by Goldman Sachs in XXXX. As it didn't show up I made additional payments to pay off the full balance and made inquiries on both sides. XXXXXXXX XXXX showed my payment being cashed by GS on XX/XX/XXXX, but at no time did it show up against my account. I contacted GS repeatedly, and on each occasion GS told me they could not see my payment. 

I escalated, after several attempts, and eventually ( today ) my payment showed up. 
GM credited me an additional {$1.00} It seems there should be some cost to the bank to discourage the practice of misappropriating customer payments, and stonewalling requests to escalate.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-14
Company: MOHELA
State: VA
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:
My student loan payments have been over XXXX payments for almost a year ; I have initiated all needed forms and verification to Mohela, and they are continuing to claim they have no control over getting the US Dept. of Education to update the payment counts. 

My initial PSLF application was with XXXX XXXX, and then it needed to be transferred to Mohela. Then, I needed to do the consolidation, which happened prior to the deadline for consolidation in Fall of XXXX. Then, an updated PSLF application was needed to update the payment accounts for XXXX, XXXX, and XXXX, which was submitted and accepted XX/XX/XXXX. Now, 7 months later, my payments are still not updated. 

Every single call or chat with Mohela has no resolution. Mohela says they are at the mercy of the US dept. of Education to have the payment counts updated. 

Both Mohela and StudentAid.gov need to update payment accounts faster, and it is especially egregious that they have not updated the payment counts for those that do qualify for forgiveness, forcing me to jump through yet more hoops in order to get into deferment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXXXX/XX/XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-10-30
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
On Monday XX/XX/2023 was notified by email from XXXX that JPMCB card services got a copy of my report and its and hard inquiry that I XXXX XXXX didnt approve. This is Fraud. I have report this to XXXX and Im on the phone with the card service to dispute this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-30
Company: Navient Solutions, LLC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
In XXXX I took XXXX loans with Navient so that my daughter could go to college, I paid these loans for 17 years finished paying all XXXX loans in XXXX, and despite that they have this information right on their web site they are trying to get paid again!! This is fraud the have loans that just opened in XXXX my daughter is XXXX XXXX XXXX, and I as a single mother paid all my Navient bills as can be seen in the attached Navient screen shots. I also have a copy of all my payments!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
My monthly mortgage payment went from XXXX to XXXX When I called them they told me that my property taxes went up and also home insurance They send me XXXX letters with different numbers, nothing matches, in XXXX part of the letters it explains that Select Portfolio Servicing wants to have XXXX dollars of my money as a reserve in their Bank. 
Ive been making my payments on time XXXX dont have extra XXXX dollars a month for XXXX XXXX keep as an extra reserve escrow

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-22
Company: EQUIFAX, INC.
State: MD
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:
Equifax did not remove fraudulent accounts from my credit report. I have submitted identity theft report, along with required identification. I also can not access my credit report online. I am XXXX and sometimes can not make it to my mailbox so I prefer online reports which I am denied access to. 
I put in first dispute on XX/XX/2023. I submitted all required documents. I re sent dispute certified mail which was delivered XX/XX/2023. Someone viewed my documents that same day because they cleared my inquiries that I disputed in the letter but failed to remove other fraudulent accounts. Equifax HAVE INCORRECT BIRTHDAY LISTED FOR ME AFTER I CALLED MULTIPLE TIMES AND SUMBITTED IDENTIFICATION. THEY WILL NOT FIX INCORRECT INFORMATION. I could not open gas and electric services for more than XXXX weeks because no company can pull my report to verify my identity because Equifax has it locked even after I sent in identification multiple times. 

Equifax violated FCRA 605B ( 15 U.S.C. 1681c-2 ) - ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Erroneous and Inaccurate Information on my Credit Report XXXX XXXX ( Last 4 digits of SSN : XXXX ) Dear Sir or Madam This letter is a formal complaint that you are reporting inaccurate and fraudulent credit information on my credit report. I would like to inform you that I am a victim of Erroneous and Inaccurate Information on my Credit Report, which led to the posting of false information. The Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) clearly states that the federal Law requires you to provide a verifiable proof for the alleged items,, specifically the contract, note or other instrument bearing my signature and showing my association to the Fraudulent Account and Inquiry listed below. 

I do not recall giving authorization nor signing any documents to give access to my credit history, therefore the account and inquiry below are fraudulent and violate my rights Title 15, Chapter 41, Subchapter III, 1681b ( c ) ( 1 ) ( A ) of the US Code : Transactions Not Initiated by Consumer. 

The Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ) and Section 611 ( a ) ( 5 ) ( A ) ( i ) state that your failure to provide a Valid and Verifiable Proof obligates you to immediately REMOVE the UNVERIFIED and FRAUDULENT account listed below. 

FRAUDULENT AND INACCURATE ACCOUNT THAT SHOULD BE DELETED : XXXX XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX XXXX Collection {$390.00} XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX ) Account number : XXXX Collection {$1400.00} I have contacted your organization previously to remove invalid and inaccurate information that does not belong to me and to put my file on fraud alert. It has been longer than the 30 days since I sent my previous request for correction but you have clearly failed to take any actions. The FCRA Section 616 & Section 617 for your failure to comply with the Federal Law Moreover, I intend to enforce my right under the FCRA nad to pursue rightful litigation in this matter should you fail to comply. 

I have enclosed here copies of my Driver License and Social Security Card, as well as significant excerpts from the applicable FCRA Sections for your reference and perusal. 

Furthermore, I urge for the removal of inaccurate addresses showing on my credit file. The only address that i have lived in is XXXX XXXX XXXX XXXX PA XXXX and it should be the only address reflecting on my credit file. 

I look forward to receiving a corrected copy of my credit report with the above-mentioned invalid and inaccurate information already deleted. 

Sincerely XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Last 4 digits of SSN : XXXX DOB XX/XX/1994

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Reporting several accounts, addresses, and hard inquires that are not mine.

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 2023-11-03
Company: CITIBANK, N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
CITI bank can not do simple addition and even after a month they have not corrected their bank error of {$990.00}. 
XX/XX/XXXX, I noticed a deposit into my account that I did not recognize for the amount of {$990.00}. 
I called the bank to investigate what happened. 
Apparently, a XXXX XXXX deposited his social security check into my account. 
I rejected that deposit as it was not mine. 
The bank in turn debited my account twice for the {$990.00} that was deposited. 
I have called the bank over and over again, at least 15 times, to resolve this and to date they have not returned the money to my account. 
For that matter, the bank has filed collection processes on me in the amount of {$100.00} for the overdraft that the debit caused. At no time was I overdrawn. The fact is I should have over {$800.00} in my account.

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