BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: EQUIFAX, 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:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated and corrected. 
XXXX XXXX XXXX XXXX : {$16000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-23
Company: Synovus Bank
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have tried to log on to the website and online app in XXXX and XXXX to submit the payment on the due date, and each month it has been hit or miss if the online payment option is available. In some cases I have input my information only for the payment to keep not processing. This company only allows for 1 yearly waiving of the late payment fee which is {$41.00}, regardless if the payment is late due to their system failures or not. When I called to speak with customer service, no one is ever able to assist me, and they keep telling me to utilize other ways to pay, of which all require submitting the payment 5-10 days prior to the due date in order for it to post in time or charges you an additional {$10.00} processing fee. They take no accountability for the online payment option not working correctly, and make you feel like the issue you're having is isolated and has never been brought to their attention. I can never speak with a manager when I call, and the manager 's never call back when requested. I was advised to submit a request by mail or fax to apply an additional waiver of the late fee, to which I found that the fax number would not connect. I asked if someone would follow up if sent by mail or fax, to which I was told, no. They will either honor your request or do nothing. This has been an awful experience, and for someone like myself working to repair my credit, it's become more of a headache to keep calling and frustration to keep paying late fees in order to keep my account in good standing. Now that it's current and this has happened twice, I don't intend to use the card outside of emergencies, but it feel like a set up on their end to collect fees and extra money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: NV
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:
Equifax is reporting opened date and payment history in this account XXXX XXXX XXXX XXXX wrong, since this is inaccurate reporting please remove this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: Altisource Portfolio Solutions, S.à r.l.
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Agreed upon amount to settle debt was paid. Did not report to credit card company that this was a full settlement. Credit card company still reports I have a balance.

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 2020-10-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates placed a {$4000.00} collection on my XXXX credit report, which was purchased from XXXX XXXX. 

I have asked PRA representatives on numerous recorded calls to send me statements detailing the charges on this defaulted card, because I believe many of the charges were fraudulent, not authorized by me, and a result of identity theft. 

Both XXXX  and XXXX have deleted this fraudulent collection, but XXXX has not. I am demanding that PRA, LLC immediately delete this collection or face further legal consequences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Cascade Capital, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I had incurred a pay day loan 15 years ago in 2001 and I have n't had a debt since. I filed bankruptcy and this debt was covered in the bankruptcy. However, this debt collector continues to send me letters and places numerous phone calls to my phone and I 've asked them to seize. Firstly, the debt was over 15 years ago, and secondly they are not authorized to collect on this debt and thirdly this was dismissed in bankruptcy over 13 years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12
Company: WATERSTONE MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a mortgage with Waterstone Mortgage Co., a broker located in XXXX, FL and they sent the Realtor a pre-approved letter for a {$110000.00} USDA loan. With our income we could easily make the {$800.00}. monthly payments. We supplied them with bank statements and many other things they requested. They had us jumping through hoops for months, XXXX, XXXX and XXXX. We gave them our XXXX, XXXX and XXXX tax returns stamped by the IRS. Supplied them with rental statements and power company statements for 12 months showing that we pay on time. 

We paid for the inspection and put the {$1000.00} required in escrow. At the last minute they backed out and said they could n't get what they needed from the IRS. Our rental lease was up XXXX XXXX, XXXX leaving us little time to find another rental.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-01
Company: First Advantage LNS Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have repeatedly advised this company that this was a debt I did not incur, sign for and had no knowledge of until I pulled my credit bureau report and saw that there was a lease broken in my name. I have filed a police report, as I was asked to do and this has been XXXX. I have lived in XXXX texas since I moved to Texas XX/XX/2005. XXXX XXXX along with National Credit Audit Corporation have given me XXXX and they will not provide me with any info even though they advised me they have a copy of my driver 's license, social security card and " my signature. '' I have not ever lived in XXXX and have never signed for anyone. I had live at XXXX formerly XXXX XXXX for over 7 years. This process has been tedious and a nighmare.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Credit Bureaus are required to verify the information and status of the account being reported on my Credit Report. But in my case, Transunion has kept reporting the disputed account claiming that the information they present is accurate, in which I greatly disagree. Under Section 614, restrictions on investigative consumer reports [ 15 U.S.C. 1681l ], you only restrict to investigate my personal file if no adverse information in my report ( other than information which is a matter of public record ) may be included in a subsequent consumer report unless such adverse information has been verified in the process of making such subsequent consumer report, or the adverse information was received within the three-month period preceding the date the subsequent report is furnished. Please correct the account : XXXX  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 2017-02-21
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I requested a copy of my credit reports from XXXX in XX/XX/XXXX ( incl ). I noticed that all 3 bureaus reported my Chase card account differently. I wrote to Chase requesting that they look into it. In XX/XX/XXXX XXXX from Chase wrote me back ( incl ) that the reporting was investigated and it was found to be accurate. I knew that this could not be correct because there were 3 different sets of information. I called Chase and they told me they would not update anything and that I had to dispute through the credit bureau. I did so through XXXX, and lo-and-behold, Chase updated some of the information ( chargeoff date and Status ). I got another copy of my XXXX report in XX/XX/XXXX ( incl ) - under Status, it still says " {$4400.00} written off. '' Yet I have a letter from Chase and a 1099-C ( incl ) showing that {$2600.00} was written off. If you were to look at my report, based on the High Balance and that Status, it makes it seem as though I never paid 1 dollar to settle. My complaints are : 1 ) that Chase is really giving me the run-around and did not REALLY investigate when I asked them to in XX/XX/XXXX and XX/XX/XXXX, and generally refusing to cooperate. 2 ) That they are continuing to report inaccurate information after my credit bureau dispute. 3 ) That they are knowingly reporting the false info, considering the documentation I am providing CFPB comes directly from Chase. I suppose XXXX and the other bureaus should be required to remove this account since I am sending you the 1099C/letter and my report to show that it is being reported inaccurately, but my main complaint is with Chase for being so intentionally difficult and refusing to correct the information. Both the credit bureaus and Chase keep referring me back and forth to each other for a resolution. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Academy Mortgage Corporation
State: UT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I received an email from one of the lenders I 've been considering. It said ( among other things ), " The next step in the process is for you to Esign your Initial Loan Disclosures. I have also attached a pdf format for you, that way if you want you can print and sign them and then send them back to XXXX and I. '' The PDF that they attached contained sensitive personal information, like my SSN and financial history. However, the PDF was not encrypted. I 'm concerned that this lender is regularly transmitting such sensitive information in a careless way, not taking the appropriate steps to keep their client 's personal information secure. 

I responded with my concerns, quoting guidance provided on the FTC 's website ( https : //www.ftc.gov/tips-advice/business-center/guidance/financial-institutions-customer-information-complying ) regarding transmitting information over email. A colleague of the original sender responded to me with, " XXXX should be sending these documents Encrypted. We have a system in place for this. We will make sure he does this starting Now. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30
Company: Genesis Lending
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I took out a loan through Genesis for an education through XXXX XXXX, XXXX, Oh. Under the sale of the debt there was to be a 40 % reduction in my loan. Nothing has been done. At this time this is my complaint. A detailed complaint regarding my federal student loans will be forthcoming as well.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I think some one use my identity and I am being charge for a debt that is not mine and is n't even in my credit report. I never received any mail from this creditor ( CITIBANK ) this creditor put a lien on my house for this debt 5 years ago and I was never notify or aware until XXXX2017

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 2022-08-04
Company: OPORTUN FINANCIAL CORPORATION
State: MI
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:
Back in XXXX of 2021 I had made a consumer purchase with my OPORTUN credit card. I had purchased clothes on XX/XX/2021 at XXXX in XXXX XXXX, Mi, and due to covid I was not able to try these items on. After I returned home I noticed that all of the items ( jeans, leggings, and sweaters ) were damaged down seemliness and not sellable merchandise. I returned to the store with the items for a refund, and the sales clerk stated that they were unable to provide me with my purchase amount of {$66.00}, and although the company kept this items and still refused a refund this credit card company is still refusing to return funds to me. I called the company and explained what happened, and he said that everything would be taken care of. All I received were letters asking me to provide the same information to them that I did over the phone. That information was emailed 3 times, mailed 4 times and I have left messages with the XXXX XXXX and never received a call back. I then received XXXX letters in the mail saying my dispute was closed, so I sent them another letter with all the information, only to receive the same " further information letter '' that requested the information I have continuously provided them. I am continuing to be ignored and would like to pay my balance and close the card, but am not willing to pay that transaction amount. Attached is my most recent compliance with the company, along with the confirmation of the fax. 
I resubmitted this claim a week ago with the same information that they keep requesting and stating I'm not providing with an additional fax confirmation. I'd like my money back along with all interest charged as a result due to them reporting this amount as owed to the credit bureau during my dispute.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-22
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have an account at citibank for more than twenty years. recently they informed me that my direct deposit alone would not qualify me for free checking, so they recommended a basic checking and savings account and it must include a monthly recurring bill payment. my account was set up on XXXX XXXX 2015. The agreement ( by phone ) was that each month starting in XXXX 2015, they would make a payment to CITICARDS as installment on my creditcard. The payments are due on the XXXX of each month and they would debit the amount on the XXXX of each month. On XXXX XXXX, i discovered that they did not make my payment. I called CITICARDS and explained the situatation and they inturn, deducted the money from my checking account. I was told by the representative that a FEE will be accessed, once my new statement is generated, and i should call them, and they will remove the fee. On this day XXXX XXXX, I discovered that the FEE has been charged to my account and I called CITICARDS, told me that they can not remove the charge of {$35.00} because it 's justified, and it 's not their fault. I then contacted Citibank checking, and while they are fully aware that an error was made, they are telling me there is absolutely noting they can do. I believe this is wrong. How can i be responsible for a fee that i did not create? I would like some help. I can imaging the number of people these banks cheats out of their hard earned money. 
Thank you for understanding

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I appreciate your taking the time to REMOVE some of the erroneous items in my credit file ; however, there are still many items that need to be DELETED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be DELETED immediately. 

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

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 2022-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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:
Attach evidence to substantiate my claim. I submitted a remittance coupons as payment to my credit cards. Under Section 242 of Title 18, Deprivation of rights under the XXXX of law, Capital One violated the rights given to me by dishonoring my presentment and then closing my account. Under the postal rule the coupons were not returned therefore was accepted as payment. In addition Capital One did not comply with the Equal Credit Opportunity Act 's requirement to provide a statement of specific reasons for adverse action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: CITIBANK, N.A.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a Citi bank " Citigold '' account by using a promotion code stating that I would earn XXXX Citi Thankyou points if I completed XXXX qualifications : {$1000.00} dollars spend in the first 3 months and a bill payment in consecutive months for the first two months. I completed these requirements in XX/XX/XXXX. The agreement with Citi stated that I would receive my Thankyou points within 90 days after the month that I completed the requirements. I have written confirmation from Citi stating that the Thankyou points would be deposited in my account by XXXX/XXXX/2016. The points should have been deposited by XXXX/XXXX/2016, but I have written confirmation stating XXXX/XXXX/2016. I have tried numerous times to get Citi to honor this promotion. I have made multiple calls and asked to be put in touch with a supervisor. I have asked that a member of the executive team at Citi call me back on 3 occasions. Each time I have been promised a call back within 24 to 48 business hours. I have yet to receive a phone call from anyone. Ultimately, all I want is Citi to honor this promotion.

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 2015-07-23
Company: CITIBANK, N.A.
State: ME
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Hi I have a homedepot credit card ( citi bank ) with a XXXX dollar limit. I been building a new house and came got into some financial problems. I been making payments until I could n't afford to make the minimum payment The interest and penalties just kept piling up. I just recently started work ( XXXX 2015 ) I had my wife go down to homedepot to talk to customer service to make payment arrangments. they agreed if we paid the credit card off within 6months we would n't have to pay any interest or penalties, So she made a payment of XXXX dollars. Making that payment should of had a balance of XXXX. but when I look at the statement on internet it had a balance of XXXX. I call customer service they said they have no records of the agreement. please help me and give me advice on what to do, if they can ; t get this resolved I do n't want to have any thing to do with citi bank or homedepot credit cards. anymore

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-14
Company: HOVG, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I WAS ILL AND THEY WERE MADE AWARE BY SS OF WHAT TO CHARGE SO I WOULD N'T BE OUT OF POCKET I DID EVEN NOW I OWED TILL I CHECKED MY CREDIT REPORT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation