BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for the Citibank XXXX XXXX XXXX XXXX XXXX credit card. This card promised to reimburse me {$650.00} towards the purchase of a new XXXX after I spend {$3000.00} on the card within the first 3 months - I satisfied this requirement and I asked Citibank how to get the {$650.00} credit : - I was told that I should purchase the phone through a link on my Citibank account. I did n't have a link. After a few hours on the phone Citibank determined that they have an IT glitch and the link would not work - I was then told to purchase the phone directly using my credit card from XXXX XXXX XXXX. I tried to make the purchase and my card would keep getting declined. I called Citibank and they said the card is fine and it 's an issue with XXXX XXXX XXXX. I called XXXX XXXX XXXX and they said Citibank is not approving the transaction. I got them both on the line and they could n't figure out where the issue was - At that point a supervisor told me that given all the trouble I have had, I should just go purchase my XXXX with another credit card, send in a receipt and they would handle the reimbursement - I went ahead and did that. They have a copy of my receipt but now they claim that they can not process the credit because I did not use my credit card to purchase the phone. This is AFTER they told me to use another credit card I verified with a Citibank supervisor that all this information is noted on my Citibank account but due to technical issues they can not process the credit.

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: Rocket Mortgage, LLC
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have had a home mortgage with Quicken, now Rocket Mortgage since XXXX. Every month I schedule a payment via their website. I scheduled a payment for XX/XX/XXXX. Somehow, the payment amount was taken from my XXXX checking account twice. I phoned Rocket and spoke to an agent and explained that a payment was taken from my bank twice. She requested and was given me routing number as well as account number. She stated that it could take as long as 7 days for my reimbursement. 
On XXXX XXXX I again phoned Rocket and spoke to XXXX, having not received my refund. She, once again, stated that it would take another seven days for a refund explaining that the first agent had not processed my request. She added that some " executive committee '' would first have to review my request. XXXX seemed upset when I asked what this " committee '' was.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-25
Company: Experian Information Solutions Inc.
State: DC
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:
XXXX is a cut throat loan service provider. I would not recommend them to anyone. They dont offer a grace period and instantly report to your credit score. In XXXX of 2019, i informed the branch that I would be paying the balance off in full because of their predator interest rates. I sent payment for installment loan to be paid off in full by XXXX XXXX XXXX XXXX. However, XXXX XXXX still reported a missed payment on my account for the month of XXXX. When I call the number listed on my credit report, they say they have no records of the account and the accuracy of the credit report. I have no been able to get a solid answer or verification from the company. This runaround has been a complete inconvenience to my life

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 2021-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Public record information inaccurate

Complaint:
I am making a complaint with Transunion Credit Bureau. I have a bankruptcy on my credit report that was sent to the credit bureau. I provided my documents from the bankruptcy courts stated that they did not report to Transunion Credit Bureau. Transunion Credit Bureau still is refusing to get rid of the bankruptcy in 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 2019-09-25
Company: ENCORE CAPITAL GROUP 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:
Since XX/XX/XXXX, I have been disputing a XXXX XXXX account that has been reported to the credit bureaus as charged off and purchased by another lender. The lender who purchased the account is appearing on my credit report as well.I never communicated with the lender regarding the account. However, I was contacted by a different agency which I resolved the account for {$XXXX} on XX/XX/XXXX. The credit limit or original amount being reported is {$XXXX}. The credit report still shows the account as charge off. The lender who purchased the account has not reported an update to the account either. So. the account still appears as a outstanding debt. I have been consistently disputing the account by providing the paid letter from the different agency to confirm I have resolved the account. The investigation results always states the information is being reported accurately however it is not. I have contacted the lender who is listed as the purchaser regarding the account being resolved with a different agency and they did not update the account either. When I spoke with the reporting lender they could not provide any information regarding the XXXX XXXX account. I don ; t understand why they are reporting the account on my credit report but could not provide me with the updated account information. I would like to rectify this issue so my credit report would have accurate information listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-15
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I had sent letters to the credit bureaus on XX/XX/2019 asking for them to help me with these issues and they refuses to dispute these items properly or even answer to my letters in a proper amount of time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-22
Company: Midwest Recovery Systems
State: GA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Company has not provided me with ORIGINAL contract or validation of debt. The debt is 6 yrs old and placed on my credit report sometime last week. I have no knowledge of this debt. The company responded, however the most important questions were avoided! Will I receive a letter of validation? The ORIGINAL Contract? Their entire statement avoided those questions. This company ( Midwest ) and whoever the consumer is NEVER contacted me via telephone nor mail! So their statement regarding contacting me was untruthful, and as a business they are conducting unethical practices. I demand that it be deleted until validation is received. Further actions will be taken. I will not stop until I get the proper answers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: AES/PHEAA
State: CA
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:
I have multiple Parent Plus loans for XXXX of my XXXX children serviced by XXXX  XXXX XXXX AKA Pennsylvania Higher Learning The interest rate is 7.9 %!!!!! This is predatory its been double the prime interest rate for 8 years. 
They absolutely refuse to lower the rate My children and I were told they could refinance the loans into their name which is not true As an example for a ~12k loan have paid over 20k and thats one loan. 

How can the Federal Government allow this its a horrific situation in America our kids n parents drouning in debt while XXXX attend at no charge. 
I have been trying since XX/XX/2012 to get XXXX XXXX to be reasonable but they told me only my death resolved the debts other than paying them off, the large amount has lowered my credit score from XXXX to XXXX despite a perfect credit history. 
I pay on time but the loans are getting larger. 
The Federal Government needs to step in and put an end tp predatory practices and SCAMS by XXXX XXXX XXXX agencies We should be able to get our American children the best education in the world without such immense debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: GA
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: Problem with personal statement of dispute

Complaint:
Credit inquiries were fraudulently made in my name. These inquiries are still on my report after repeatedly disputing with the reporting agencies XXXX and Experian. The inquiries are as follows : XXXX : XX/XX/2021 AN XXXX XXXX XXXX XXXX # XXXX AN XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX XX/XX/2021 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX, ND 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 non-monetary relief
Consumer complaint received 2021-06-06
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I first signed up for a US bank account under a promotion for {$300.00} on XX/XX/XXXX. There was an error in creating the account which froze the account and made me unable to sign up for online banking, add the account to other banks, or send direct deposits to the account. The terms of the promotion were that I needed to receive {$2000.00} in direct deposits within 60 days of opening the account. 

It took US banks technical team until XXXX to finally get my account fixed. By this time the 60 days had passed. I requested and was denied an extension to meet the terms for the promotion. I was frustrated by the service and requested my account be closed on XX/XX/XXXX. I wrote this date down in my records as the date the account was closed. Looking back, I found XX/XX/XXXX was the date that the account closing was finalized. 

In the meantime, I received an offer to open a US bank credit card and took advantage of it. I was once again interested in a relationship with U.S. bank. I read the terms of their new promotion for the bank account and it said I was eligible as long as I hadnt held an account with US bank for 6 months. So I waited what I thought 6 months till XX/XX/XXXX and applied again. My bank account was opened again XX/XX/XXXX. This is three days from XX/XX/XXXX which is 6 months from when my account was actually closed. 

I completed the requirements of making {$4000.00} worth of direct deposits to the account for a bonus of {$400.00}. The bonus did not post automatically and I reached out on XX/XX/XXXX inquiring on the status of the bonus. 

I received the following response : " This is XXXX with Email Operations, and I appreciate the opportunity to help you today. Knowing the status of the promotional offer is important. 

I can confirm that the promo code XXXX was placed on the account when it was opened and that e-statements were signed up for before the cutoff of XX/XX/XXXX. '' The promotion still didnt post so I reached out in XXXX to customer support and was told this time that I was ineligible for the bonus because I had a US bank account within the last 6 months. I missed the deadline by three days because U.S. bank took so long to close the first 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
Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have attended XXXX on 2 separate occasions and both times were unable to get further after obtaining my lisences. I now owe {$70000.00} of debt and XXXX has interviewed me twice and not once did I hear back from them. I have been out of school with my XXXX XXXX for 3 years and still dont work in the field that I love. I have applied multiple times and havent heard anything back from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Chase has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-05
Company: Key 2 Recovery, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a remaining balance of {$3600.00} on a school bill I paid out of pocket for. Months ago, in fact almost a year ago I was contacted by Key 2 Recovery for this balance which was originally XXXX.. I have paid {$100.00} to {$250.00} a month since being contacted. At this time the past few months I have paid {$150.00} a month with no missed payments. And now they are calling me trying to state that even though the account is current and is being paid some how they state I have a hardship now against me. They are wanting me to pay a large lump some of money more then what I am paying now. File # XXXX this again is through Key 2 Recovery and the girl that is handling my account at this collection agency is named XXXX who can be reached at extension XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-22
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: Public record information inaccurate

Complaint:
Please Be Advised I am writing to report that Experian is falsely reporting a public record on my credit report and I have written to this company via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and still the account remains. I have also advised them to please send me copies of the documents that they have in their files used to verify the accuracy of the account. I have n't received any verification and via the telephone call that I made to their company and agent by the name of XXXX advised me that XXXX XXXX is the ( third party agency ) that provided them this public record. On XX/XX/XXXX I sent via certified mail a letter to XXXX XXXX to dispute this record. On XX/XX/XXXX I received written documentation that an investigation has been done and in conclusion this record was removed. On XX/XX/XXXXI sent the supporting documents to Experian and they still have n't complied. I have spoken with XXXX and XXXX on XXXX, I have spoken with XXXX on XXXX who advised me that she would resend the dispute over to compliance for review and I would receive a call within 48 hours business hours and still have n't heard from Experian. I also took the liberty of contacting XXXX XXXX on XX/XX/XXXX and spoke with a Manager by the name of XXXX at XXXX XXXX and she advised me that this item was removed off my records Experian she be following suite and updating appropriately.

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 2019-09-25
Company: Financial Credit Network Inc
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX has charged me 3 seperate times. I had insurance at the time of all visits and tried to confirm that with them. They said there was no way to go back and verify that. But she did tell me she even had my insurance information on file. It just wasn't charged. The first accound was XXXX XXXX XXXX XX/XX/2015 for {$1300.00} another for {$44.00} XX/XX/2015 and XXXX XXXX XXXX XXXX on XX/XX/2015 for {$38.00}. Ive tried to dispute all these accounts by verifying medical insurance paid this but it still shows accound is open. They refuse to remove all these accounts and its really effecting my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
i reviewed my credit on all 3 credit bureaus. and found a input stating that i supposedly had an account ( furniture ) W/ XXXX XXXX ( XX/XX/2014 ) that i hadnt paid and ended up owing in the amount of {$620.00} and it was reported to be ( charged off ). I contacted all 3 credit bureaus disputing said item. they supposedly did their investigation and said account was verified. i did this twice with all 3 bureaus. I then contacted XXXX XXXX  wanting verification of debt. I have enclosed the letter that they sent me. stating that : Due to lack of information, we were unable to research/verify the account in question. and in the same letter they asked for me to furnish them my info. I dont believe that i should help them mock up something against me. So i ask how is this validation of a debt. I also spoke with them over the phone, i asked for the them to remove, this from my credit profile, they said they wouldnt and that i should fight it out with the credit reporting agencies. So i in turn sent the credit bureaus a copy of this letter. and for them to delete incorrect / unvalidated info from my report. 30 days later all 3 of them reported that this account was verified and correct. So to summarize things i feel exhausted in trying to correct this. each one of them creditor/ crdit bureaus dont care, and are kicking the can to each other, and im stuck. im trying to get a mortgage, but some lenders tell me to fix this item before they can proceed. please help!!! i feel that if there isnt evedience, then its probably false, or not my account. i have a very common XXXX name. so they should remove it. thank you for your time

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 2018-03-19
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I purchased an American Express Gift Card with a balance of $ XXXX from a XXXX store on XX/XX/XXXX at XXXX XXXX. 

I found an authorized transaction on the card an hour later and immediately called American Express to block the transaction as it was unauthorized. They refused to block it although the transaction was until then in PENDING state. I called them multiple times and spoke to different persons each time and explained to them the theft taking place. Yet none listened to my request to cancel the unauthorized transaction and they only put a hold on my gift card for any future purchases ( although it was being emptied by the unauthorized transaction already ). Because of that I could not even monitor the card online for more information on transaction. 

I called them the following day and then again on XX/XX/XXXX. but they told me that the ( unauthorized ) transaction has already settled and they can do nothing about it. They told me to settle with the merchant, which is ridiculous. How can I settle with the merchant who received my stolen money? Such thefts use clearing houses ( in this case, XXXX XXXX ), which keep the identity of their merchants hidden. The charge appears on the card only as " XXXX XXXX XXXX XXXX  '' and XXXX XXXX then does not provide any info on their customers. 

I am sure I am not the first person to be scammed like this. I can hope to be the last if CFPB can force American Express or XXXX XXXX to refund me my money and punish the criminals of this white collar crime, in which American Express and XXXX XXXX are complicit. 

Thank you very much!

Company response to consumer: Closed with explanation