BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-26
Company: Upgrade, Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I previously had a line of credit with this company but decided to close it last year. Unfortunately that doesn't seem to be the case because every month they continue to send me a statement ( which shows available credit of {$2000.00} and a balance of {$0.00} ). I have contacted them numerous times about this and each time I am promised they have resolved the issue and that the account is closed and I would stop receiving statements. As I received a statement from them yesterday, I can confirm this is not true. When I log into my account with the company it still shows my line of credit as " active '' but then states " Your account is currently ineligible for new draws. Please refer to our email communication for more information. '' ( Note that no such email exists ). When I've tried to regain access to the line of credit the company tells me I can't and I would have to reapply. When I reapply I get an adverse and letter which literally lists the reason for being denied as " o ''. I've tried to call the company but they only provide false information such as " we have nothing to do with the adverse action notices they come from XXXX so you should contact them " ( even though the letter is signed by " Upgrade Inc. '' and states in part " The reporting agency played no part in our bank partners ' credit decision and is unable to supply specific reasons why they have denied credit to you. '' ). No one from the company has provided me a reason for the denial nor have they addressed any of the issues I've explained today and/ or have faced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I tried to get my free annual credit report on XX/XX/2017 from Equifax and received a response that online delivery was not available for my request. Instead I was directed to not only complete a paper request form that would contain every single piece of my personal information on XXXX page to be sent through the mail but for " identity purposes '' also include some other form that would also contain my complete XXXX to be sent along with it. Secure online delivery is far safer than sending this kind of personal information through the mail and Equifax should be mandated to make delivery available by electronic means for the annual report that consumers are entitled to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: AMERICAN EXPRESS COMPANY
State: LA
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:
On XX/XX/XXXX, i filed a dispute with my american express serve card for a tv purchased from XXXX for XXXX that was supposed to be delivered on XX/XX/2020. It was not and was delivered on XX/XX/XXXX while ibwas offshore. An 65 inche tv was left on my porch and stolen and i called XXXX and notifird them. They were supposed to give me my money bavk since ny item was more than likely stolen and never received by me. I filled out the dispute form and it has been 50 days since i have heard from american express and inhave just been laid off and need my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: OLIPHANT FINANCIAL, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke wit h Oliphant Financi al on  XXXX , I tried calling for 3 days so I finally left a message on  XXXX  and they called me back. I spoke to them about paying {$100.00} on my bill and they said yes, and I set up {$100.00} payments through  XXXX . They took it upon themselves to take {$300.00} out of my account and I am stuck in North Carolina when I live in california and am suppose to leave tomorrow. My bank can not do anything at this time and oliphant financial closed before their designated time. I am very upset that they just helped themselves after stating on a recorded line that {$100.00} was the only authorized total that was suppose to be taken out of my account. I did not authorize {$300.00} after the {$100.00} was the authorized.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
the information that appear on my credit report was an identity theft. I also sent to you the police report that clarify what was happened. your investigation is not complete, according to the law. it should be remove and corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The problem is with the Freedom Mortgage Company. On XX/XX/22, I sent the updated final documents that followed the loan modification period and asked the company to put my account on Auto pay through my bank. I asked them to make the monthly mortgage payment directly from my checking account. I sent the updated final documents through XXXX, and the tracking # is XXXX. I called the Freedom Mortgage company twice, and the customer services agent informed me that Freedom Mortgage had received the updated final documents. I also asked the agent to report that I called twice, asking Freedom Mortgage to directly take the monthly mortgage payment from my checking account. The agents informed me that he had noted my request twice. 
Nothing has happened so far ; no feedback from Freedom Mortgage, and the company has not put my account through the auto pay from my bank so I can pay my monthly mortgage payment as agreed. 
I have been dealing with this issue for more than 6 months now. This is the second time the problem is happening, and I have paid twice for the notarization.

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 2022-08-26
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
The XXXX XXXX XXXX XXXX Loan ( Sallie Mae Bank ) for the enrollment period of XX/XX/XXXX to XX/XX/XXXX has been discharge through bankruptcy. The XXXX XXXX for XXXX XXXX University closed in XX/XX/XXXX. This located was the only option for XXXX students in which the school lost the XXXX accreditation and XXXX students were left with finding alternative solutions without their credits transferring. Sallie Mae Bank is trying to recover funds being both parties have been listed in discharge and filed in XXXX ( please see attached paperwork ). XXXX XXXX University has accepted this discharge and student is no longer liable for tuition, fees, any and all educational funds. Please advise the justification on why Sallie Mae is trying to recover these funds and not following the Bankruptcy code.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-21
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XX/XX/XXXX, I went through the chase website to apply for the Sapphire Reserve card. I went through the online process and was approved - but for a different card ( Sapphire Preferred ). At no point in the process was it listed that I was applying for more than one card or a different card. I contacted the company immediately ( so XX/XX/XXXX ) and was escalated to a supervisor, who listed her name as XXXX XXXX I told her what happened and how I felt this was not acceptable and she told me my case would be sent to an internal review team. She also gave me a reference number - Ref # XXXX and said I would hear back 3-7 calendar days. 

On XX/XX/XXXX, after not hearing anything for 10 days, I called and asked to be escalated again. The gentleman on the phone told me that there was a record of my previous call, but that nothing had been sent to be reviewed, despite being told it had. He assured me he would send it for review and I would hear back in a few days. 

XX/XX/XXXX I received a short letter stating my card would not be changed and no further action would be taken. 

Being given a card I didn't apply for with no indication that I could be approved for and sent a different card seems very bad business and I am understandably upset. And I know I applied for the Sapphire Reserve card on the site, not the Preferred. Humans make mistakes, but I make my living on the web, including formerly doing Quality Assurance on websites. I didn't apply for the Preferred card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: JPMORGAN CHASE & CO.
State: NY
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 rewards from credit card

Complaint:
I was trying to change/cancel my XXXX XXXX XXXX hotel reservation that I could not make because of CORONV19. ( XXXX closed the entire county ). 
The reservation was made thru Chase SAPPHIRE reserve credit card 3 nights for XXXX XXXX I spent 3 days since XXXX restrict the travel talking to SAPPHIRE reserve credit card customer service representatives.I was not able to get any help and chase SAPPHIRE reserve deny all my asks and did not provided any valuable help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit 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 believed I made my last payment on the  card, but was not sure. After doing some investigating I requested proof of purchases and invoices. Macy 's charged my card for something I did not purchase. I thought it was maybe clothing or something smaller, i.e. less th an {$25.00}. However, the purchase was nearly {$300.00}. I have disputed this for near ly three years a nd nothing has become of my complaints to them. I am now in collections to  XXXX   XXXX   XXXX  and all they will do is attempt to collect payments. I do not owe this and have exhausted every resource and course of action.

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 2017-05-25
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I have been unable to enroll in any kind of payment plan that lowers my student loan payments in any way. I have been filling out applications online and though the mail for over 6 months only to be denied each time on the base of missing information ... .incomplete information ... .leaving things blank ... keying in answers wrong ... .its always something. And I know that each and ever time I have filed the paper work correctly. I am being put into forbearance causing my intreast rates to soar though the roof. I have asked and begged for help with no respons from company. I have been given bad and incorrect information regarding my loans.I am also being harrased 7 days a week at all hours of the night and day to repay loans that were included in our bankruptcy. I have also applied for a case in the closed school causing me a worthless degree but each time they say if not filed that application corecctly either I am in need of answers and help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My name is XXXX XXXX XXXX a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. I have never given XXXX XXXX XXXX any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am aware that the that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). 
I have never received any documentation requesting validation from XXXX XXXX XXXX before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If XXXX XXXX XXXX can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. 

I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
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:
I requested an investigation because I need an explanation why two of these accounts are still being reported on my credit file - XXXX FUND Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX.. After waiting over 90 days for a response, still nothing, they have taken over 90, this is a violation and they are required to remove all the accounts. 
Per FCRA 623 ( b ) ( XXXX ) and 611 ( a ) ( XXXX ) and section 611 ( XXXX ) ( a ) of the FCRA, they are required to " promptly delete an account which can not be verified '' and that has taken over 30 days to investigate that I have disputed. PLEASE DO NOT CHANGE THIS TO A DISPUTE ISSUE! This is a VIOLATION OF MY CONSUMER RIGHTS ISSUE! 
Your assistance in resolving this concern as soon as possible is appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed on my report few accounts which i did not recognize. As if someone else 's information got mixed up with mine. My accounts are all paid as agreed and should have no negatives showing. I wrote to all XXXX credit bureaus asking to correct my report and only some info was removed. I wrote few letters, each time some more information was corrected but as of today there is still wrong information showing and it is affecting me financial very badly. They 've been answering by what seems to be printout letters by codes. Their responses makes no sense and I am tired and frustrated from this process. 
All I 'm trying to get is to have my report corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-26
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
In XX/XX/XXXX, I went to the XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXXXXXX XXXX XXXXXXXX Chase Bank location to create a joint account with my wife. I arrived approximately XXXX minutes before the bank closed and was told that I would have to come back because they were closing soon. I was upset because the bank was still open for another XXXX minutes. Nonetheless, I left and came back. The next time I came, they said that my wife had to be with me. On my third attempt, I came in with everything that I needed. I was teamed up with their XXXX XXXX, XXXX XXXX. After sitting down with XXXX, I told him that this was the third time that I had come in. He started laughing which bothered me a bit ( I didnt think it was funny ), but I said nothing. After that, he began to setup up my account while making small talk with me. I told him that I was not interested in the small talk and that I was upset that I had to come to the bank XXXX times to open this account, which should have been opened the first time that I came with my wife within business hours. After telling XXXX that I wanted the process to be as streamlined as possible, he said something along the lines of, " Listen friend ... ''. I told XXXX that we were not friends and that I just wanted to get my account open. XXXX then refused to open my account and kicked me out. Several days later, I tried to log into my Chase account, and it was closed. I called up and was told that my account was being closed, and they didn't have to tell me why. Soon after I received a check for my account balance amount. It is now XXXX, and I feel that my account was unfairly closed. Additionally, I have tried to apply for XXXX and Southwest cards and have been denied because they use Chase. I would like someone to remove the ban from my account and explain to me why it was closed in the first place. Prior to this event, I had been a long-time Chase customer, and I feel that they closed my account without a real reason. I think it was reasonable that after XXXX times of going to the bank, I didn't want to make small talk, and I just wanted to open my account as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have asked time and again for XXXX loan forgiveness, only to be denied because my loans are too old or in default. I have been a XXXX for 19 years, and would never change that choice. I have given my life to XXXX our country 's XXXX. Sadly, I have accrued almost {$140000.00} in student loan debt, and will die owing those loans as I can get no help. I was given no counsel when I took out the loans, and besides that, I was very young. The income based repayment plan expects me to pay close to $ XXXX. I can not afford that. The company takes into no account the other bills I have, nor the fact that I do indeed need money to live on as well. I can not get help because I make too much, based on the scale, however, I can not afford the payments either. I need help! The Income based repayment plan is unrealistic and I continue to be denied XXXX loan forgiveness. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 sent in my paperwork about a collection account that is not mine and Transunion said they didn't receive the dispute when i called them this morning.

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 2017-05-25
Company: CITIBANK, N.A.
State: OH
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:
I have been a custom er of Citibank for 29 years. I pay my balance in full every month. Citi o ccasionally sends me junk mail that I throw in the garbage. Apparently they sent blank checks to be used for a balance transfer. On  XXXX  some one signed my name to one of those checks and made it to himself ( or another individual ) for {$600.00}. Citi assessed a {$30.00} fee. I paid the {$630.00} because I 'm applying for a mortgage and I do n't want to show I have overdue charges. Since then I have called the bank 6 times and have asked for my money back. Every time they put me on hold for a while and then they say the money will be in my account in 2 working days, they will send an affidavit for me to sign, etc. It 's now been 5 weeks and nothing has happened. I asked them to cancel all other checks that were issued and not to send me any more. Someone did try to cash another check for {$300.00} but luckily it was n't accepted. I 'm appalled they treat me like  this. I 'm buying a new house and {$630.00} is significant. I do n't know how much longer they need to investigate, but they should give the money back in while they do that, or they should speed up the fraud investigation.

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