BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-23
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting, activating, or registering a card

Complaint:
I was getting direct deposit to my bank account for unemployment for the first 2 weeks. It then got switched to a debit card that I was not made aware of. When the card came in the mail I shredded it bc it looked like a credit card that I had not applied for. There was no letter stating what it was for. After I found out from unemployment that was the card with my money I tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to call the bank to get a new one or to have the money transferred to my bank. I have sat on hold from 2-5 hours to be disconnected. I can not get through to the bank via phone or online. As you can imagine this is a hard time and Im trying to get access to my money so I can pay my bills. I'm begging that someone please contact me and help me get access to my money. Thank You.

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 2022-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, Account # XXXX has violated my rights. 

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 an 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 if 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 2017-09-27
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
My complaint is with XXXX more than my loan servicing company. When I was a student at XXXX for XXXX, I was lead to believe my loan repayment would be less than {$100.00} a month. This was the whole reason I signed up with them in the first place because they made it seem like tuition was going to be about as affordable as local schools were. 

Not only this but I had a host of other issues with them - including my initial advisor not changing my classes when I changed programs, resulting in me taking classes I was not required to take and then they refused to refund the money for those classes despite this being their error. New advisors constantly gave me the run around and I eventually had to drop out because I could n't keep wracking up even more debt due to their misleading practices and failure to " advise '' properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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: Account information incorrect

Complaint:
I have a XXXX credit card. They reported back in XX/XX/XXXX a balance of {$500.00}. It is now mid XX/XX/XXXX and they still are not updating the credit bureaus that the balance is XXXX. I spoken to them several times with no 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 2017-09-27
Company: Equitable Acceptance Corp
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Getting a loan
Sub-issue: Fraudulent loan

Complaint:
Upon obtaining a XXXX position for the State of Maryland, in XX/XX/XXXX of this year I decided to apply for loan forgiveness where after 10 years with the state, the balance of my student loan would be forgiven. At that time my loan servicer was XXXX XXXX. They assisted me to apply for forgiveness as well as filing for income-driven payments and loan consolidation. I followed their instructions in filling out the forms. It was a very confusing process where there were several agencies that needed my information and most information had to be submitted online. 
After receiving notification from Federal Student Aid on XX/XX/XXXX ( an office of the US Department of Education ) that my loans were in the final stage of being consolidated, I was instructed to make payments to XXXX. Somehow in the process, a company called Equitable Acceptance and XXXX XXXX became involved and is now charging me {$1400.00} for the service of consolidating your loan. I dont know if I had given them my information, or they obtained it from another agency but they are now trying to pull payments from my checking account with e-mailed forms with my approval. I contacted XXXX and they informed me that consolidating my loan was free and there was no evidence that a Third Party Agency had been involved with my loan. The Board of Education does not accept electronic signatures. The forms I signed from XXXX XXXX were electronic, therefore the XXXX did not accept their fake consolidation forms. I put stop-payments through my bank and now have found that this issue is affecting my credit. 
After doing research on Equitable Acceptance, I have found that they have a D rating with BBB and numerous complaints from people like me as to how they end up owing Equitable money. There is also numerous postings that the company is a Scam. I am getting calls daily from XXXX as well as a company called XXXX XXXX. It seems as though these companies get information from the internet and make applicants believe that their services are needed to complete the process. I have attached copies of these letters that I have received. 
In XX/XX/XXXX I contacted the companies to inform them that I did not need their services. I was told I could not cancel.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: Underwood James and Associates LLC
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
On Monday, XXXX XXXX around XXXX, I received a phone call from a company that sounded very reputable and legit, to offer assisting me enroll in their " rapid credit restoration program " regarding my past due student loan. They told me by enrolling with them today, I would be making payments of {$260.00} per month for 5 months ( beginning Tuesday, XXXX XXXX ) and after the 5 months, I would only pay {$99.00} per month for 19 additional months. They told me I would need to send verification of my proof of income, via email. After giving all of my information requested, I began to search their website and immediately realized I had just been potentially scammed. I immediately contacted my bank and started this complaint.

Company response to consumer: Untimely response
Consumer complaint received 2021-06-10
Company: EQUIFAX, 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:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
ON XX/XX/XXXX MY WIFE AND I SUBMITTED A REQUEST, TO SELECT PORTFOLIO SERVICING COMP.FOR " HARDSHIP '' " MODIFICATION '' AS EXPRESSED IN THE ATTACHED LETTER BELOW " HOME UNDER WATER '' APROX. {$110000.00} ... ALSO MORTGAGE RATE IS LOCKED FIX RATE FOR 9.5 % ... .ALSO " SCHOOL TAXES '' APROX. {$7500.00} A YEAR OUT OF OUR POCKET PLUS LOCAL TAXES, PLUS COMMUNITY DUES OF {$800.00} A YEAR PLUS HOME INSURANCE, OUT OF POCKET, HOME APPRAISED VALUE IS {$130000.00} BALANCE OWED IS APROX. {$250000.00} ... ... HUSBAND IS RETIRED ON FIX INCOME ALSO WIFE WILL RETIRE IN APROX. 6 MONTHS ... LIVED IN HOME SINCE YEAR XX/XX/XXXX ... ... .GOT EQUITY LOAN NINE YEARS AGO ... ONE TIME BALANCE OF MORTGAGE NEVER GO DOWN FROM PAYMENTS  OVER THE YEARS ... TO KEEP THIS HOME WE ARE REQUESTING LENDER TO INCLUDE TAXES IN PAYMENT AND INSURANCE ... REQUESTING MONTHLY PAYMENTS TO GO FROM {$2200.00} ... ... TO PAYMENTS OF {$1600.00} ... .PER MONTH WITH TAXES AND INSURANCE INCLUDED IN MORTGAGE PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: EQUIFAX, INC.
State: MI
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:
Hi I am submitting this XXXX XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX  has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Without any notice, Citibank closed and cancelled my Costco Visa Card. I have had the card ever since it was introduced and have had a long and mutually satisfactory relationship with Citibank for years. They somehow received mistaken information that they " previously had to close XXXX or more Citi accounts in [ my ] name '' and that is not true. So they closed this account with no notice and stole all my Costco dollars which I had earned. I would like the account reinstated as it was closed inappropriately and I would like the money I had relied on for my Costco purchases.

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 2022-08-25
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Equifax responded and totally ignored Athe FCRA laws put in place. The response give was long winded meant to discourage me in getting the inaccuracies removed

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: CREDIT ACCEPTANCE CORPORATION
State: UT
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:
Credit Acceptance is reporting late notations on my credit file for XX/XX/21, XX/XX/21, XX/XX/21 that need to be removed. Due to Covid, I lost some work that I relied on financially, and that really impacted me. I have an account with them for my auto loan and due to Covid, I called in to see what I could do because I was having some trouble paying the full amount. When I called they told me that I could have a payment arrangement set up for my hardship that would lower my payment by XXXX. I thought that was great until I looked at my credit. They never told me that with this arrangement, my account would be delinquent due to lesser payment, If I had known that I would have late payments, I would have never made that payment arrangement, I would have found a way to pay the full amount instead. So now I am screwed because the rep failed to explain the details of this arrangement. Upon finding out I paid it to bring the account up to date and am now making my full payment instead so it wasn't much of a 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 2017-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX/XXXX/XXXX I attempemted to purchase batteries at my local XXXX XXXX ( XXXX # XXXX ) in XXXX, CA [ XXXX ] at XXXX am using my CAPITAL ONE XXXX ending XXXX for a total of {$2.00}. I tried a second time at XXXX. Both times the receipt said " DENIED BY ISSUER ''. I ended up paying cash. 
When I got home later that day, I attempted to access my online online account to see what was going on. They made me change my password. Afterwards, I still could not access my account. 
So I decided to phone 24-Hour Customer Service at XXXX. I am XXXX and in a XXXX. I have great difficulty with automated systems. I was struggling to get alive operator when the automated system told me to say " representative '', which I did repeatedly. Around XXXX XXXX, a voice responded identifing itself as " XXXX ''. He asked me if I had my card and a number from it. He then hung-up. So Capital One refused to help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Inacurrate and fraudulent accounts reported from 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 2021-12-02
Company: Experian Information Solutions Inc.
State: PA
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 have contacted all XXXX credit bureaus as well as XXXX XXXX times challenging the accurate, compliant, and factual reporting of these XXXX accounts that are showing on my credit report. each time they come back verified as accurate ... .what type of investigation are these companies doing when these accounts have been re aged which is a violation and they have yet to be deleted from my report .... there is no way they are conducting a proper investigation as required by law ... .i have attached a copy of the credit report,,, this account has been re aged which is a violation,

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 2021-04-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a cc for the full amount and requested it to be removed and it has not been and it is reporting inaccurate. I have a right to privacy and I did not give permission to any organization to put information falsely on my credit report on my behalf place and capitol one is violating my consumer rights. 
XX/XX/XXXX {$200.00} Closed XXXX Just reported negative payment history XX/XX/XXXX Reported 90 days late XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: WELLS FARGO & COMPANY
State: UT
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I was notified that Wells Fargo had closed XXXX of our savings accounts without any prior notice. The account was closed XX/XX/XXXX. After a number of calls with various Wells Fargo customer service people, I was finally told that the company had made a decision to close the account due to inactivity over the past 60-90 days. I have several other savings accounts with Wells Fargo that have not had activity for more than a year, yet those accounts remain open still. If there is a policy that governs this action, it is not being applied equally. Second, I was told that the account did not have the minimum balance required. When we opened the account there was no minimum balance requirement. The customer service agent acknowledged that this updated policy occurred in XX/XX/XXXX. No notification was sent to us regarding this change in policy ; we have XXXX other Wells Fargo accounts and have not received any notice of updated policy for any of these other accounts either. Between closing our account without notice and changing policy regarding an account 's minimum balance requirements without notice, we find this activity to be in breach of their agreement with us. I also believe this to be illegal activity for which Wells Fargo has already been investigated by the Federal government ( XXXX ) and the Consumer Financial Protection Bureau. In order to resolve this issue, Wells Fargo has asked that I take my time to speak with a local branch to see about having a new account opened ( they can not re-open an account once closed, per their policy ). I have no interest in spending my time to resolve an issue they created. I will be moving my XXXX remaining accounts to a new bank.

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 2022-04-28
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A States I have the right to privacy. 15 U.S.C 1681 Section 2 : It also states a consumer Reporting agency can not furnish account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Upgrade, Inc.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a legitimate looking credit card in the mail two weeks ago that I did not apply for. 
Last week I ran a free credit check through XXXX and the card doesn't show as an open account. 

Today I called " Upgrade '' aka XXXX XXXX Bank to confirm this was a soliciation. They asked for my email address to see if I had an open account. They did confirm I had an open account but would not help me without verifying the last four of my social and my date of birth ( understandably so ). 
I tried to reset my password online using the email they said I had used to apply for the account- it requires my full social security number to reset my password. 

This all seems highly unusual and suspicious. Probably phishing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-02
Company: Chime Financial Inc
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I received a notice today around XXXX est that my Chime account was to be closed. No explanation as to why, no explanation as to whom to speak with, nothing beyond an email address. I have money in both my chime spending account and credit-builder account. I have done nothing wrong or dubious in any way. I have been with Chime for a few years and have my work dd set up through them. I have absolutely no recourse, when i emailed them i received this as a response : Our issuer, The XXXX XXXX, provides banking services to many other companies like Chime. They monitor account activity across all of their programs ; closure of an account can be the result of a users behavior on a program. Your account was identified for closure. 

Direct deposits, ACH debits, and recurring debit card payments may be rejected after your account closure date, however, we still encourage you to redirect your ongoing direct deposits and bank transfers to avoid any delay in receiving your funds. 

For full details, please reference the section titled Amendment and Cancellation in the Chime Deposit Account Agreement : XXXX XXXX XXXX

Company response to consumer: Closed with explanation