BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-20
Company: U.S. BANCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I have been a member of US Bank for the past five years and I have a strong relationship with the branch located @ XXXX grocery store # XXXX, the employees arealways so friendly and caring about me. However every time I call their phone bank department @ XXXX I feel discriminated against for being transgender. My voice sounds like a female but my name is typically used for boys ; therefore they always deny service and ask me to go the branch and present photo ID. I understand that it 's for security however when I go to the branch and present photo ID i expect them to notate their system of record and take a photo copy my ID so that going forward I can be serviced in their phone bank department like any other customer. Instead there always incredibly rude and ask me to go to the branch and show photo ID. It 's ridiculous I should be able to use all the banking tools available to every US Bank customer. Due to my job schedule, sometime I find it very hard to go to the branch and I want to use the phone bank dept. but I feel discriminated against every time I call. I have told them several times my situation and they continue to be discriminatory against me. Also there is no communication between departments. Sometimes I get lucky enough and I 'm able to speak to a rep. with no issues but as soon as they transfer me, it starts all over.. I have to answer several verification questions and then at the end they tell me to go to the branch.. I just feel so hurt sometimes, because they were my first bank ever and I just feel very discriminated against and not wanted ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dispute : XX/XX/2020 CFPB XXXX  Capital One Walmart Incorrect account balance reported {$310.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is XXXX Capital One Walmart with an original debt of {$310.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$110.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$310.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$110.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been treated unjustly with a discriminatory and malicious intent from the branch manager of US Bank XXXX XXXX, WA. Her name XXXX, and the assistant regional manager XXXX, have done everything in their power to prevent me from transacting or even closing my various accounts at US Bank. Furthermore I have had funds in my account for 20 days and still can not transct on my cds or positive balance. I lost out on a real estate deal where because of her pointless driven action to put hold after hold after hold on my account, I am now liable for escrow failure to deliver and owe the seller {$10000.00}. 

I have also asked repeatedly for an explanation for the holds and treatment and frankly outright control and information sharing against my wishes. 

I have {$470000.00} in verified and settled assets and, not only can I still not close my account or transact on it, I keep getting refered back to the " branch ''. The US Bank fraud department has no issues only one person, a branch manager who is clearly not doing her job and continues to lie and data share against my wishes.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 made repeated attempts to speak with this agency regarding an account on my credit report SINCE XX/XX/XXXX. The item has been reporting on my bureaus since XX/XX/XXXX. I called the company XX/XX/XXXX and XX/XX/XXXX and the representatives refuse to discuss anything with my wife or I advising they were notified that we were " represented by an attorney '' XXXX. We have told this company repeatedly, WE DO NOT HAVE ATTORNEY REPRESENTATION. This account is being reported on my credit bureaus and the agency refuses to discuss this and continues to report it. I have not received any correspondence from this company. I have confirmed my current address. They are using this as leverage to file suit over something we can not discuss and have made multiple attempts to remedy. This debt was also disputed 2 months ago and validation of the debt was never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: GUARANTEED RATE INC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
The state of Texas gave me 100 % tax exemption due to me be 100 % XXXX through the department of va and i submitted the paperwork to the bank on XX/XX/XXXX so that my taxes can be removed.starting a week after that date they started telling me to call back every 2 days to check on it. When they finally admitted that they had it they started telling me random statuses and to call back in 2 days. on the XX/XX/XXXXi asked them what to do about the payment being that it was due and the payment amount was going to change. i was told that i should just wait because the payment amount would definitely be ready by the XXXX. well now they are saying that it should be done by the XXXX and i need to pay the full amount that contains the taxes that the state of taxes doesn't even charge me for because i don't want the late payment to hit my credit. in the last month they have given me lie after lie and now i am in financial hardship. I cant get a honest answer out of anyone and when i am told that they will call me back they never do. i called on the XXXX of XXXX and they told me that its now not going to be touched until the day after the last day that i can pay without it being considered late and the reason that its taking them so long is because my account is new. they are charging me tax that i do not owe and dragging their feet from payment to payment. their business practices is predatory towards XXXX veterans and i really need this matter resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
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 have a loan with XXXX. I have always made my payments on time. For some reason, I realized that there were 30 days late payments on my credit report for the month of XX/XX/2021, XX/XX/2021, and XX/XX/2021. I have read enough to understand my rights. The Equifax Credit Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. I believe the company is violating Sections 616 & 617 of the FCRA. I believe theyre unwilfully noncomplying with federal law & this issue is creating a ton of emotional physical stress. Id like this matter resolved ASAP as it is impacting my health & wellbeing. Please update the late payment from this account. Below is the account with erroneous information and Id like remedied ASAP. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
I still have not seen results to an investigation into the items I believe to be inaccurate on my report. This is the second complaint I have had to make about the lack of response. My first was made on XX/XX/2020 and was accompanied by a dispute submitted directly to Equifax. The complaint number was XXXX. While I understand that there is a pandemic which can cause delays, I have not received anything from them since my first dispute on XX/XX/2020. This is not a delay : this is negligence on the part of Equifax, enabled by the disastrous dismantling of regulation by you, the CFPB, in regard to the bureaus ' legal requirement to respond to a dispute within 30-45 days. There is no good faith effort by Equifax to resolve anything. In fact, I know that there was data that was released showing a 550 % increase in complaints to the CFPB about this very issue compared to this time last year. XXXX must be held accountable and to the standards clearly outlined in the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On Capital One website I was interested in using their pre-qualification tool to see if I'm qualified for any of their accounts that they offer but was denied swiftly due to the following reason : " Based on your Pre-Approval form information, there are too many delinquent past or present Capital One credit obligation ( s ) '' I had disputed this account in question with all three credit bureaus with supporting documentation proving and also requesting proof from the bank regarding the account in question in this letter as I had never opened said account back in 2014 in XXXX as I hadn't been living there for almost a decade. This account has been removed and deleted from my credit reports yet for some reason they still mention this account that was a result of identity theft and based my application decision from this when that isn't even correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: U.S. BANCORP
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2015 at XXXX while making a deposit at the US Bank XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona I was not permitted to exit the bank.. The doors were closed for seconds before I requested to exit the US Bank. My information is found on the video surveillance which proves the continued harassment made against me by the US Bank

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: Convergent Resources, Inc.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2019 a debt collection account for {$130.00} from Convergent Outsourcing started reporting on my credit score. A  couple of month later in XXXX, I received a settlement offer from the company. The letter stated they were working on behalf of XXXX. I reached out to XXXX about the alleged debt, who only redirected me to Convergent Outsourcing. On XX/XX/19 I submitted a letter to Convergent Outsourcing requesting verification of the debt by providing a contract with my wet signature. I waited 30 calendar days for a response and I received nothing back from the company. I reached out by mail to all three credit bureaus ( XXXX, XXXX  and XXXX  ) requesting this debt collection account be deleted from my credit report because Convergent Outsourcing failed to validate the debt within the allocated time frame of 30 days. XXXX deleted the account from my report but XXXX  did not and directed me to reach out the Convergent Outsourcing again. I called Convergent Outsourcing on XX/XX/2019, I spoke to a lady named XXXX. I expressed to her what was going on and how I requested validation that I still never got. XXXX verified my address and said she could send a letter to my house. Yet to this date I have not received a contract with my wet signature confirming this is my debt from Convergent Outsourcing.

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 2022-03-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have been sending letters to all ( 3 ) credit bureaus since XX/XX/2021. I have the certified PS Form XXXX receipts as proof along with sample letters used so that they would comply. They only broke more laws each and every time I requested my credit score, how the information was legally verified/ obtained, and the names of the person ( s ).

I was taken advantage of due to malpractice while several laws were being broken under the FCRA ; by your company. This has caused me financial injuries, defamation of character, and significant loss. I cant get a good job, I lost my security clearance and I cant apply for credit. I cant get an SBA loan or anything associated with credit. Under these crisis and stressful times you have hurt my ability to obtain credit and rebuild as a XXXX veteran.

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 2021-11-26
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
Hello, I did balance transfer for {$4000.00} from Barclay Card to XXXX on XX/XX/21. I did not received any confirmation the balance transfer was successful from Barclay, so I check my XXXX, the money was not there yet. I found out later that I missed type one digit of the XXXX card, and XXXX did not received the fund cause of invalid credit card number. I admit that my mistake. So I been trying to get hold Barclay Card to find out where's the {$4000.00} ( since I have never received the confirmation of balance transfer completed ). 
That was 3 months ago, I called Barclay twice a week, been transfers to many departments all over the place, from Customer Service, Balance Transfer Fraud, Dispute, back to Fraud, back to dispute, and now back to Customer Service again. I even submitted the Dispute on XX/XX/21 through fax XXXX - and no response. Meanwhile I'm paying interest on the {$4000.00} that I don't have. 

Each time I called, it took about 1 hour to explain and to get transfer all over. There's no one can help me. I'm frustrate, and with being lay off due to COVID last XXXX, the {$4000.00} is a lot of money. 
So I decided to write to you to beg for help cause all the time I spent to call and the emotional stress going no where.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-04
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:
) I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Westlake Services, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/2020 I called my finance company to get some help regarding my XXXX payment due to COVID-19. They offered a deferment for the payment to go to the end of my contact. I agreed in order for me not to lose my car. They asked for a payment of {$50.00} I gave the payment. Thereafter I keep making small parcial payments for XX/XX/2020 {$280.00}. XX/XX/2020 {$150.00}. XX/XX/2020 {$82.00}. XX/XX/2020 {$570.00}. XX/XX/2020 {$12.00}. XX/XX/2020 {$570.00} All of these payments have not been deducted from my balance. When I noticed and called they couldnt give me an explainable reason All they said was it all went to my interest. {$1600.00} and nothing to my principal balance. Until the month of XXXX it started going to my principal balance and to the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: EQUIFAX, INC.
State: GA
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:
XXXX, Equifax, XXXX XXXX credit reporting agencies are all reporting incorrect information on my credit report that is preventing me from obtaining credit. They all show that I filed bankruptcy. This information is inaccurate, I have written them letters and asked for proof of validation for this information which they have failed to provide. I have also asked each credit reporting bureau to remove this from my credit report as well. I ask that the CFPB please step in to have this information removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: CA
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 accidently transacted on a fake website on XX/XX/2020 for an amount of {$240.00} and I immediately called Citibank to let them not to process this transaction on XX/XX/2020. 

Initially, Citibank asked me to dispute the transaction and after multiple calls with Citibank, they refuse to reverse this transaction. I have sent a letter detailing out the scam as well but Citibank refused to reverse despite months of investigation. 

The fake website which I had accidently transacted did not send any confirmation of the transaction. The fake website did not send the goods which was purchased either. 

Citibank is not protecting its customers from such fraudulent transactions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: AES/PHEAA
State: TN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XXXX of XXXX, I placed a FOIA request for specific information concerning student loans that was sent to the Dept of Education. The Dept of Education failed to provide all the information requested at that time so I placed a 2nd FOIA request in XX/XX/XXXX and outlined information I would like to be provided concerning student loan debt along with additional information. 

Included in my request were items as listed 1. Offer 2. Acceptance 3. Consideration 4. Mutuality of Obligation 5. Competence and Capacity 6. Written Instrument I also requested from The Dept of Education servicer information 1. Assignment information 2. Terms and conditions 3. Borrower Acknowledgment Which is Federal laws and State laws for my state of TN. 

I also requested I be provided any securitization information ( XXXX  ; Hedge Funds etc ... ) Additional request : Original paperwork Chain of title Assignments ( Please see email attachments ). 

I requested all the information provided notarized by of individuals who can testify under oath and utilized in a court of law. 

As of todays date, XX/XX/XXXX, I have not received any of the requested information. Fedloans, who has only stated they are servicing the loans, without the requested paperwork from ( Dept of Education ) or anything provided by Fedloans, or following Federal or State law requirements and in violation of TCPA ( Tenn Consumer Protection Act ). 

I applied for a Deferred/Forbearance of any loans Fedloans stated they have in their records.in XX/XX/XXXX. They took those loans out of deferrment/Forebearance the next month XX/XX/XXXX and have been trying to collecting over {$100000.00}. 

Licenses are also required to come into the State of TN. 

Please review : No. 19-2116 IN THE UNITED STATES COURT OF APPEALS FOR THE THIRD CIRCUIT Commonwealth of Pennsylvania, Plaintiff-Appellee, v.

Navient Corp., and Navient Solutions LLC, Defendants-Appellants. 
On Appeal from the United States District Court Court for the Middle District of Pennsylvania Hon. Robert D. Mariani Case No. 3:17-cv-01814-RDM

Company response to consumer: Closed with explanation