BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-15
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I took out a private loan in XXXX for {$20000.00}. I had been in school from that time XX/XX/XXXX. In XX/XX/XXXX my private loan was taken out of deferment and put in to repayment. I was informed I was in default in XXXX by a call from their recovery department. I explained that i was still in school and they advised me to contact Citizens Bank Student Loan department. When I contacted Citizens I was told that it should not have come out of deferment while I was in school but since it was written off there was nothing they could do. I talked to multiple employees and received the same information. In XXXX of XXXX I began paying small amounts to the recovery team on the loan. Every month it hits my credit report as a charge off causing my credit score to take a hit. They will not move my account back to their Student Loan department, they will not show that it is in good standing even though I am making payments, and told me the only way to remove it is to pay it in full. I believe that they made an error, as told to me by their employees, that is hurting my credit score, effecting my clearance ( I work for the XXXX XXXX XXXX ), and harming my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
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 is not yours

Complaint:
XXXX XXXX XXXX XXXX purchased a debt from Capital One. The debt was loaded up with added fees and penalties prior to the sale of the debt. XXXX XXXX XXXX XXXX did not provide adequate documentation when asked to verify the debt. XXXX XXXX XXXX XXXX refused to settle the debt in good faith on several occasions. Although XXXX XXXX XXXX XXXX claims they are settling in good faith. The company is fully aware that the debt was stacked prior to purchase and is collecting this debt with malice. XXXX XXXX XXXX XXXX cites an amount in excess of {$6000.00} every time a debt settlement is made and then will extend the terms and create further financial hardship to the debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-15
Company: Experian Information Solutions Inc.
State: MS
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 called company about an account reporting on my credit file that couldnt be verified. They could not provide a copy of the original signed consumer contract as they should as stated according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify-through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. They even failed to respond. Agent said they sent out a letter stating they do not have a copy of the contract. I demanded to see verifiable proof of ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. 
Creditor 1 XXXX XXXX Creditor 2 XXXX XXXX XXXX Creditor 3 XXXX XXXX XXXX  XXXX XXXX They have failed to positively verify these accounts. Under the Fcra, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts above.The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2015-11-06
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
1. Despite confirming that I will be visiting the branch to collect the new account package, the relationship manager sent it through mail which caused significant delay in getting access to the account after it is funded. Email communication can be provided as evidence as needed2. After attempting to activate my online account through https : //www.us.hsbc.com/1/2/home/personal-banking on XXXX XXXX, no XXXX password was received as of XXXX XXXX despite the XXXX hours delivery Service Level commitment which is likely due to system fault as discussed with various HSBC staff3 . Relationship manager sent highly sensitive Personally Identifiable customer confidential info ( name, account number, address, Social Security Number ) through an unencrypted zip file attached to an email in violation of HSBC information security policy and industry best practices / regulations ( e.g. XXXX ), putting customer security and privacy at significant risk. Such information was never requested by me and Email communication can be provided as evidence as needed4. During customer support call on XXXX XXXX, customer service staff provided falsified information regarding the password delivery time by stating it will be delivered to my mobile device within XXXX minutes ( where it should be XXXX hours ) with the sole intention of ending the support call without resolution5. During the second support call on XXXX XXXX, customer service supervisor confirmed a call back from a US-based support staff with knowledge of my case and resolution at XXXX EST on XXXX XXXX. However, no attempt was made to contact me until I initiated contact with HSBC later that day. The supervisor also provided a non-existent / falsified customer service case number with the intention of ending the support call without resolution. All subsequent HSBC staff that I contacted has no knowledge of the nature of the incident / complaint demonstrating significant communication issue between onshore and offshore ( XXXX ) support teams6. As of XXXX EST XXXX XXXX ( 7 days after account creation ), the bank has not offered any means to access the account placing customer funds at risk

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Avant Holding Company, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I received an alert from XXXX XX/XX/22 saying that a credit card was opened in my name with Avant LLC. I immediately reached out to Avant LLC to report it as fraud. I tried to dispute the inquiry/account to XXXX as fraud, but XXXX rejected the dispute. 
I placed a freeze with all XXXX credit bureaus & I am trying to prevent & /or remove any further attempts of inquiries. 
Yesterday I received a letter from XXXX XXXX  saying the my application for an XXXX XXXX  card needed more info as I had the freeze on my SSN. 
This morning I received a call from XXXX  XXXX XXXX saying it needed to verify some things before beginning the process of the card application. 
I have also been made aware that there is an address listed in my XXXX XXXX file that I have never lived at & doesn't actually exist. It says that my name is on the title for the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-10
Company: I.C. System, Inc.
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:
I.C. Systems Inc # XXXX is in violation of my 30 day right to dispute. I never received a notice for this collection and only became aware of it when I had my credit pulled and saw it on the report. This should not be on my credit as a collection and I never received anything for this debt.

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 2017-02-04
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a undated notice from Midland Credit Management on or about XX/XX/XXXX stating that I have a current balance owed to Midland Credit Management in the amount of {$3400.00}. However this debt was settled in XXXX County Florida XXXX Circuit Court on XX/XX/XXXX for {$2500.00} with a payment stipulation/ obligation for me to pay {$50.00} on or before the XXXX of every month until the entire amount settled upon ( {$2500.00} ) was paid in full. I have never missed a payment. On my monthly Midland Credit Management statement, received XX/XX/XXXX, the balance owed is stated as {$320.00} with a {$50.00} payment due by XX/XX/XXXX, which I have since paid. Midland Credit Management is deliberately trying to deceive me into paying a different amount by listing inaccurate payments and balances with the hope I expect to deceive me in to paying the wrong amount and therefore negating the court settlement agreement which would put me in default of the settlement and allowing Midland Credit Management to charge me with the original debt balance to paid in full. I believe this notice from Midland Credit Management constitutes deceptive practices, false information and harassment. Please be kind enough to enter a complaint on my behalf. - XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
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 status incorrect

Complaint:
I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XXXX2020 and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: Paypal Holdings, Inc
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I receive an email from Venmo informing me that my account is permanently frozen. They also stated my funds would be released to me WITHIN 180 DAYS. 

( Hopefully a human being with some common sense is still reading this. ) XX/XX/XXXX I receive an email from Venmo informing me that the funds that were previously under review ( the only funds I have in Venmo are those we are referring to. ) Are now able to be withdrawn as a standard transfer only, to my bank account. 

XX/XX/XXXX I see the email mentioned above and try getting signed in. I had to email support to assist me on getting signed in. 

XX/XX/XXXX They successfully get me signed jn. I then try to add a bank account to withdraw my money to. However theres a restriction on my account that is preventing me from adding a bank account manually or instantly through Plaid. I again contact support and receive a response that a special team will be assisting me and to wait for their email. I decide Ive waited long enough to receive my money and call support. I was on the phone for 6 hours calling Venmo and being on hold for the most part. I get no assistance. 

XX/XX/XXXX I again call Venmo support and am on the phone for over 6.5 hours. Finally I speak with a supervisor XXXX who says he knows exactly whats wrong and reached out to a friend in another department. After a few minutes XXXX informs me that I can now add a bank. He stays on the phone with me as I make the withdraw. I mess up and send it to the old bank account on file. So XXXX cancels it and walks me through withdrawing my funds. He confirms it has gone through on his end. 

XX/XX/XXXX The money I withdrew the day before is now back Im my balance. So I contact Venmo over and over desperately looking for someone to help me as I never received any correspondence from Venmo regarding my withdraw being canceled. I then speak with a woman who says Ill be emailed. 
I receive the email stating I can not withdraw my money ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I was told by my son 's school that we did n't qualify for a federal loan, so we got a private loan. He 's our only son ; never gave us an ounce of trouble, wanted to go to college and my husband and I did whatever it took to get him a college education. By XXXX grace, our son graduated XXXX 2015. My husband and I co-signed on the loans and the total amount that we are asked to pay back each month for XXXX loans is over {$1800.00} a month. That 's more than I make a month. There 's no way we can pay that much each month even if we sold our XXXX bedroom home and lived in a box. I 'm currently in deferment with Sallie Mae but the days are coming fast and they 'll be calling demanding the {$1800.00}. From what we 've heard, we 'll be paying Sallie Mae the rest of our lives, so all I want them to do is significantly decrease the monthly payment, making it affordable for us. We have every intention of paying the {$180000.00} ( yes you read correctly ) {$180000.00} for a show production degree that only pays $ XXXX/hr for my son. We just need help in getting the {$1800.00} reduced. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: Experian Information Solutions 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 status incorrect

Complaint:
I had the subject bill in review at XXXX XXXX XXXX with a gentleman XXXX because my insurance company said they were going to paying a portion. 

XXXX XXXX XXXX sent the account to collections anyway. 

I contacted XXXX XXXX at the collections company XXXX XXXX on XX/XX/XXXX and paid {$850.00}, what she said would settle the debt in full. See attached letter from XXXX XXXX. 

Thank you for any attention you give this matter. 

Have a great day!

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 2021-11-15
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I had an account with Amex which was opened prior to XXXX. I had never been past due on the account but unfortunately in XXXX I had to file for Ch XXXX bankruptcy due to the foreclosure of my condo. As mandated by the law, all my creditors were included in the filing. My wages were garnished, I completed Bankruptcy Pre-filing Credit Counseling Program and my bankruptcy has since been discharged. 
Using the second chance bankruptcy gives consumers I have continued timely payments on all accounts I have open now and my credit score is over 700. 
As my bankruptcy was deleted from my credit report after 7 years as is the law, other credit card companies I had cards for at the time of my bankruptcy have since approved me for credit cards over the last few years including XXXX  XXXX, XXXX XXXX, XXXX, XXXX and XXXX. 
The only exception is Amex and I feel they are discriminating against the fact that I declared bankruptcy and will not consider my creditworthiness based on my credit history since XXXX. As they continue to indicate that they are declining me because they incurred a loss, I have offered to repay the amount owed however they will not guarantee that once done I will be granted an account. If the reason for the decline is their loss and I am willing to provide the funds to cover that loss, why then will they not approve the application. 
I have asked numerous times for someone to review the past account and my credit bureau report and not only do I have to repeat my story multiple times, the only response I receive is that they took a loss and it is within their rights to not grant credit. While I agree they are well within their rights, I feel I am within my rights to have them document their decision in writing after a full review of my credit score rather than treat my application with prejudice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: SLM CORPORATION
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I applied for a private student loan through Sallie Mae. I checked out my credit score prior and I am even working with XXXX to make sure my credit is up to date and good. My credit score is good which is XXXX. They did not approve me for a private loan for my XXXX which would mean that I would eventually be making XXXX starting out after getting my degree. I am now making roughly XXXX. I think they discriminated against me because I am a single parent, minority and my age which is 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 2015-04-29
Company: MNE Services, Inc
State: CT
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A gentleman called me at my place of employment and stated he is with US Fast Cash. He told me i owe {$790.00} for a payday loan. I asked for documentation for this debit. He told me he ca n't provide it. He has been asked to stop calling my job and he continues to call and ties up phone lines. I have been scammed too many times in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: Receivables Management Corporation
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have XXXX accounts reporting to my credit report from Receivable Management Group. I do not know what these accounts are for! I have sent letters requesting validation but I have not received anything from this company who has this false error on my credit report. I want this removed IMMEDIATELY! This is violation of the FCRA and the FDCPA. I have received nothing from this company showing what this erroneous mark on my credit is about. There are XXXX accounts for {$690.00} and {$680.00}. Please take a look into this companies practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-15
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I would like to dispute my inquiries from all 3 credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a bank account closed with Bank of America in XX/XX/XXXX. There was an overdraft fee of {$110.00} that I was not aware of, I never received any info what so ever on it. But I called today to see why I could not open an account at another bank, that is how I found out that I owed and it was paid today on XX/XX/XXXX. I would like to get this cleared from the XXXX so I can open another account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-13
Company: EQUIFAX, INC.
State: IL
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 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 719tXXXX 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 n 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 us 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 XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation