BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-12
Company: Experian Information Solutions Inc.
State: NY
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 my second request, in response to your request I have AGAIN attached my identification and social security card copies n FTC report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: ID Analytics, Inc.
State: NY
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:
2nd request. Errors on my report not rectified, please see attach ID and ss card per your request. AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: GATEWAY FIRST BANK
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We are part of the devastation that hit Louisiana in the flood of XX/XX/2016. Our house received 56 inches of water. We have requested a second draw from Gateway Mortgage Group and they had and inspector come out and saiy that we are at 1 % repair. Gateway says they can not release anymore money until we are at 50 % complete. The money they sent us, {$25000.00}, was used to buy materials : demo supplies and tools, windows, insulation, electrical materials, sheet rock and finishing supplies, primer and paint, flooring, and hire contractors to complete repairs on plumbing, electrical, insulation, sheetrock, painters, window hangers. Luckily I am able to do flooring and a few other repairs to save money. I have exhausted all of my financial resources trying to recover the loss of 5 vehicles, and over 50,000 dollars of household contents where we only received XXXX for that. My wife and XXXX teenage children have lived in one room and a shell of a house for 4 months. We are now fighting to repair our home with 30 % of the repair money and not able to get the anymore until we are at 50 % complete. Do the math : We are in financial ruin. I can not even go and buy groceries this week. Help us please.The phone number I have for Gateway Mortgage Group is XXXX. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Chase put an hold on a XXXX Credit Card and did notify the consumer. 
1 ) Issued credit for XXXX 2 ) Put a hold on the account after charging {$530.00} against credit 3 ) Did not notify the customer on credit freeze - reason for freeze unknown 4 ) Blocked disputes online 5 ) 5 phone transfers including supervisor to verify account - rude agents, not nice 6 ) Over 1+ hours to verify account - call transferred again 7 ) International agents asking highly sensitive questions about credit related questions after the account is opened - i.e., what is the point in verifying the account after charges are already levied 8 ) The agents are outside of America and are not under US Jurisdiction - in case of real consumer fraud, it is impossible to extradite their frauders back on US soil to face charges both civil or criminal 9 ) Agents have accents that are difficult to understand causing undue stress, harm and frustration resulting incorrect verification. 
10 ) Countries being used are non-democratic authoritarian countries with a poor human rights and labour laws/standards 11 ) XXXX, high XXXX activity, very high risk of data theft and risk to millions of American consumers - i.e., data can be used to track citizens, purchases, and other activity by competitor nations. 
12 ) Bank can not guarantee security of consumer or security of data 13 ) Bank is forcing American citizens to engage with international audience ; banks policies themselves create unfriendly interactions with international audience - resulting a negative perception of Americans ; i.e., undermines soft power and diplomacy in the region. 
14 ) State Department should conduct an audit on all international call centers and survey to see if these cross-cultural interactions advance soft power or undermine it ; i.e., private organizations should have regulations and federal guidelines that promote positive US perception In this case bad bank policies and procedures ( not notifying client of account freeze for two months ), freezing account without merit, and transferring unhappy US customers over to another country ( most pivotal region of the world ) does not promote US interests abroad. 

The job of the government to review these issues holistically and in a XXXX degree. 
1 ) Bank policies, notification protocols and communication with customers ( Business Operations ) 2 ) Outsourcing and type of call being outsourced and locations vs. US strategic interests ( Foreign Relations ) 3 ) Security of US consumer data ; identify theft and risk of foreign actors exploiting this for self-interest, etc. ( National/Human/Cyber Security ) 4 ) Consumer experience ( Domestic Reputation ) Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My parents XXXX XXXX XXXX XXXX banked at Chase prior to both of there deaths. I want to know how a bank account can remain active after their deaths and if the bank has any property under my father XXXX XXXX. 
I am not sure why this account was able to have someone access it and transfer money into it which my attachments upon close review demonstrate this. I am attaching files which show the timeline of employees interaction upon his death. I want to be allowed to review his estate matters as no administrator. I want permission which as a person in his will and the Texas law allows As I have a certified copy of his will and his death certificate. 
I request information on both my parents to be reviewed. under the Texas Estste Code : Sec. 151.003 EXAMINATION OF DOCUMENT OR SAFE DEPOSIT BOX WITHOUT COURT ORDER ( a ) A person who possesses or controls a document delivered by a decedent for safekeeping or who leases a safe deposit box to a decedent may permit examination of the document or the contents of the safe deposit box by : ( 1 ) the decedent 's spouse ; ( 2 ) a parent of the decedent ; ( 3 ) a descendant of the decedent who is at least 18 years of age ; or ( 4 ) a person named as executor of the decedent 's estate ina copy of a document that the person has and that appears to be a will of the decedent. 
( b ) An examination under Subsection ( a ) shall be conducted in the presence of the person who possesses or controls the document or who leases the safe deposit box or, if the person is a corporation, an officer of the corporation. 

I look forward to visit and review by parents closed accounts.

Company response to consumer: Closed
Consumer complaint received 2017-01-14
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I have made payments on student loans to Nelnet using my XXXX XXXX card. Today I 'm told by nelnet they will not take it as a payment, say the DOE changed the policy. I called the DOE and they say they did no such thing I called nelnet back and they wo n't share the email memo, letter that says the rule changed. So what is going on? I have paid my taxes with my XXXX! Who is telling the truth? What is going on? If other people ca n't manage their money why is this effecting me. Please know nelnet will not share source document, also know no one seems to have a last name ... Seemingly the refuge of cowards. How do I get to a servicer that will take my payment? If this a new DOE policy - who what person persons - by name - thought this up

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase Bank Loan Number XXXX paid off on XXXX XXXX, 2015. Not shpwing that it is paid off. Dispute filed with all XXXX credit bureaus. Chase continues to report to the credit bureaus that as of the response date to the dispute ( the last Equifax reporting date is XXXX XXXX, 2015 ) that the mortgage was not paid off and that the last payment was in XXXX. Called Chase and they said that teliing them that falsehood was OK and that it may take another four weeks from today to be reported to the credit bureaus since their last reporting date was XXXX XXXX, 2015. Their responses to the credit bureaus is to repeat that last information reported in the normal processing time. They refuse to provide current information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I spoke to Experian regarding one of the fraudulent info on my credit report and they are not deleting

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: EQUIFAX, INC.
State: FL
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:
My credit report contains information that is incorrect. It is your responsibility to accurately inform them about the information they require. Please undertake investigations and updates on these accounts and queries, or I will pursue legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I called twice to Capital One on the night of XX/XX/2020 to have my credit card unrestricted. The card has been paid off in full since XX/XX/2020. Two agents advised it was unrestricted each time I spoke to each agent. Using the card on XXXX the same night, I received messages the payment failed. I attempted again this morning, XX/XX/2020. The same results. I called to Capital One tonight at XXXX XXXX and spoke to two agents. I was told by the first agent that I had missed XXXX 's payment ( paid XX/XX/2020 ) and that my card can not be unrestricted and I should apply for a new credit card. I asked for a manager. XXXX, identified herself as an Escalation Manager, reiterated that my card can not be unrestricted due to a 4 day late payment in XX/XX/2020 ( she found the payment although the other agent did not ) and ( despite Capital One charging a late fee plus I paid my card off in full almost two months ). The card is active, paid off in full, the company has not cancelled the card, yet I am told it will not be unrestricted for use. So I have an active credit card, paid off, account not closed, yet the company will not un-restrict it for use. XXXX could not give a reason at all of how this happens to be so, nor could she offer or direct me to information from the company notifying a customer of this alleged policy. I have asked for an escalation of my account. I told the representative she must be misinforming me as I can not see the logic in a company having a consumer who has paid off and brought the card up to date, and will not un-restrict the card for the consumer to use, which is a benefit also to the company. Just does not make any sense. 
I wish to have this matter fully investigated and Capital One provide proof of this type of policy of the Company and any reason why this may be logical business practice.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-12
Company: ERC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
i married and moved and transferred my XXXX service to my new home. I assumed that any bill remaining would transfer to my new account. after a few months i received notification from XXXX collection agencies about my XXXX debt from XXXX. XXXX XXXX and Enhanced Recovery were both attempting to collect the past due amount. I made serveral calls to XXXX, XXXX and Enhanced and almost immediately both XXXX and Enhanced reported the same debt to the credit bureaus. I know that XXXX collection agencies can not collect the same debt. I now made hundreds of phone calls to all parties to say i was always willing to pay this previous past due amount that i was not aware that i had until i received notice from XXXX collection agencies. after numerous phone calls about his misunderstanding, XXXX agreed to remove my trade line and that I should now deal with XXXX. Enchanced Recovery refuses to help me calls me serveral times a day and i try to explain what had happened. Enhanced was also aware that XXXX collection agencies were reporting the same debt. they have ruined my credit for a debt i did not know i had and by the time i straightened out having XXXX collection agencies reporting the same debt - they refuse to remove the trade line from my credit reports

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: Nationwide Recovery Systems, Ltd
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a debt collection notice dated XX/XX/2019, in response to the letter I sent a letter within 30 days ( Mailed XX/XX/2019 ) ( proof of mailing ) informing the collector to cease further collection until the debt has been validated. I have asked them to send me a breakdown of how the charges were calculated and how they came up with the bill amount. They are to stop collection on the debt, including any reporting to the bureau 's. They have reported to at least one bureau which is continuing their collection efforts, which is against the law according to section 805c and 809b of the " fair debt collection practices act '' Please have the collection account removed until the debt has been validated through the proper legal means.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-08
Company: EQUIFAX, INC.
State: CO
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:
They mishandled my information, which puts me and 209,000 other people at risk. I am listed as a potential victim according to their equifaxsecurity2017.com website, and would like a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-11
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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-10
Company: CITIBANK, N.A.
State: GA
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 used my XXXXissued XXXX card to purchase a travel vacation from XXXX on XX/XX/2021, for specific travel dates valued at {$840.00}. While buying the package, the agency ( XXXX  ) told me that the dates were available, and I sent them all my credit card details and signed the forms. But after the purchase, they told me the dates were unavailable and asked me to travel on different dates, which I refused and asked for a refund which they agreed to ( attached email confirmation ). But they never refunded the money. I contacted Citibank and disputed the charge. I provided all information indicating the vendor agreed to refund but never did so. After months of back and forth, I provided all the documents that Citibank asked me, and It seemed to me that I convinced them that I deserved a refund. But on XXXX, Citibank sent a letter ( attached here ) saying that " unable to obtain compensation from the merchant, your account has been rebilled. We now consider this investigation complete. '' I contacted Citibank again, and they could not give me any refund saying they were unable to contact the Vendor from where I purchased. My request to speak to their manager got denied, saying they could do nothing more. I feel that I deserved the refund, and {$840.00} is much money and our family vacation budget for this year. Would you please help me get a refund? Thank you! 
Sincerely 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 explanation
Consumer complaint received 2020-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Portfolio Recovery Associates LLC XXXX XXXX XXXX XXXX VA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX Above named Portfolio Recovery purchased XXXX  account and continued to harass me after I told them many times - this debt did n`t belong to me. 

XXXX XXXX filed lawsuit against me on XX/XX/2020 with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Case NO XXXX XXXX Account was previously owned by XXXX. 
XX/XX/2020 I received a letter from XXXX  that the account was fraudulent and decided in MY FAVOR that I don`t owe THIS debt. 
I am requesting that Portfolio Recovery Associates removes the summons from the XXXX XXXX XXXX XXXX. 
I am requesting a letter of apology and that the collection account is CLOSED,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: EOS Holdings, Inc.
State: CT
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 already reached out to the credit bureaus and EOS CCA and notify them of their error posting of information on my report. I have been monitoring my credit report for any changes since my several dispute letters, but I am yet to see the correction that I asked for and desperately need. I requested to generate me personally with a detailed description of the procedure designed to verify the account is " real '' but as of the moment no information received. I had also requested the actual proof, physical firsthand documentation of the payment history but I did not receive what I asked and these violations still persists on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I traded in my vehicle on XXXX/XXXX/2015 and just checked my credit report and it stated my payment was 30-60 days late and I do n't even own this vehicle anymore and have n't for over a month yet they reported to the credit bureaus that my account is delinquent. I called XXXX XXXX and they said they are looking into it and would call the dealership where I got my vehicle but that does n't help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
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:
After notifying the Portfolio Asset Recovery company that XXXX XXXX places a cease and desist order on the account that they have reported on my consumer credit file, this company continues to willfully and knowingly engage in negligence and abuse of my consumer credit file by reporting negative marks against my credit reports, this affecting my credit scores. They show the account closed on XXXX  and continued reporting through XXXX  and XXXX  as open accounts. Included are the screenshots of the reports. The closed report is XXXX, the payment dates showing negative are from XXXX  and XXXX  is shown with the green through XXXX XXXX. This company knows full well what they are doing and I have contacted XXXX XXXX regarding this, hence the cease and desist for this account. I am actively engaged in business with XXXX XXXX to this date and am requesting a full deletion of their account information from all of my credit bureau reports IMMEDIATELY. This company has a reputation for abusing consumer credit files and in particular accounts that they can not collect payment for. I will not accept this any longer, nor will I allow re-aging of the account to occur on any reports no matter where they are reporting accounts. I expect a full deletion of their account to be made upon receipt of this complaint and if it not done so accordingly, I will obtain permission from XXXX XXXX to seek statutory and punitive damages against this company for their continued abuse. I have the copy of the letter sent from XXXX XXXX stating the cease and desist order from their Corporate Office per my direct contact with the CEO and President. This company has not abided by this order and legal actions will be taken and the evidence of this letter shall be presented in a court of law showing the order from their offices. This companys reporting is so inconsistent and varying that it seeks to do more damage on a consistent basis to a consumers credit files, while intentionally violating the FCRA and FDCPA as well as state laws that protect a consumer from such abuses.i have also included a screenshot of the federal lawsuit brought upon PRA by the CFPB for willfully engaging in the same tactics and business practices to this day that it was found to be in violation of and ordered to pay millions in damages.

Company response to consumer: Closed with non-monetary relief