BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I would like to file an complaint against Equifax for intentionally misleading the CFPB and manipulating CFPB online complain system with full knowledge of the deceit and deception. I filed the below complain which specifically outlined the merits of my complaint. Equifax is reporting in accurate credit scores, credit to debit ration ( XXXX % ) and available line of credit ( {$15000.00} ) to the government identity protection firm ( XXXX ). 
Equifax has knowledge of the fact the CFPB is not actually reading the complaints and their response and is taking advantage of this flaw within the CFPB online system. Equifax responds to my complaint ( claims I did not provide a specific complaint ) Please read in detail my original complaint and my reply to their response it provides details of the actual complaint. Therefore, Equifax is intentionally misleading the CFPB and manipulating the online complaint system. 



I received a letter from US Office of Personnel Management stating I was a target of malicious cyber intrusion, therefore qualify for credit and identity monitoring services. 
I went to there website XXXX provided by XXXX. I pulled up the XXXX credit bureaus report and noticed Equifax was once again reporting inaccurate information in regards to my credit to debit ratio. As of XXXX/XXXX/15 Equifax is reporting my revolving credit usage at XXXX % which is inaccurate my revolving credit usage is currently at XXXX %. Equifax is refusing to provide an explanation in regards to how they are coming up with XXXX %. Both XXXX and XXXX XXXX are showing the correct figure XXXX %. Equifax is showing my revolving credit limit at {$15000.00}, the correct revolving credit limit is {$22000.00}. 
Due to my race XXXX XXXX Equifax is purposely lowering my credit score by not reporting the correct credit to debit ratios. I have filed numerous complaints with your organization against Equifax in regards to this practice and to date CFPB is refusing to take action on behalf of the consumer and provide protection against Equifax discriminatory practices of intentionally lowering the credit scores of XXXX XXXX. 
Therefore, I will also have to file a complaint with the White House in regards to CFPB refusal to provide assistance to stop this practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filling this complaint because Equifax has ignored my request to provided me with the documents that their company has on file that was used to verifty the accounts i disputed.Being that they have gone pastthe 30 day mark and can not verifiy these accounts, under Section 611 ( 5 ) ( A ) of the FCRA-they are required to -- -promptly delete all information which can not be verified.that i have desputed.Please resolve this manner as soon as possible.Thank yoi.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: Early Warning Services, LLC
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I sent my girlfriend XXXX on XX/XX/XXXX trough zelle and she never received it and the bank and zelle told her it was sent. Transaction number is XXXX I would like to know where and to whom they sent my money

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: AES/PHEAA
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 had been accepted into XXXX XXXX University in XXXX XXXX, XXXX. I was an out-of-state student who lived in a small town in XXXX. I was informed I would get a {$5000.00} a semester scholarship XX/XX/XXXX and about {$1000.00} in a grant but I would have to come up with the rest of the money, myself, offering student loans both federal and private. I was not approved for much for federal loans but the private loans were pushed and accepted at $ XXXX per semester and even $ XXXX- {$40000.00} for a couple of semesters with a co-signer. It started with XXXX XXXX then it went to XXXX XXXX, XXXX and I ca n't even remember the other. Now, I 've gone through a " plan '' that was supposed to be 10 consecutive, on-time payments and have given them hundreds of dollars through which this " plan '' was purchased by XXXX. I 've been getting harassed by American Education Services since XX/XX/XXXX along with my mom and dad and even an aunt, my sister, and my best friend. That has continued to include National Collegiate Trust. Both of my parents have filed and won bankruptcy, separately, and while we know federal loans ( though we 've paid tens of thousands in the past 7 years ) are n't included in bankruptcy, the point is that we are all under a hardship. I called AES, today, to see what was going on and I was told that they could n't accept any type of payment other than over the phone and it had to be by checking or savings account, only, and credit cards and prepaid cards would not be accepted. My loan amount has n't budged although I filled out paperwork packets after paperwork packets leaving us all on edge and heavily confused with what to do or which way is correct. I have statements, emails, notes, and letters that I can provide but will need to have some time to gather ones from my parents. My husband and I are expecting our XXXX baby in just a few short months. I 'll be out on maternity leave and will not be paid for the leave.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-08
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
On Thursday XX/XX/XXXX I attempted to use my Southwest Credit Card through JP Morgan Chase Bank at a local gas station and was denied at the pump. I called XXXX ( chase ) on XX/XX/2022 to inquire to the situation. I spoke to a girl in fraud who started saying something then just told me I violated bank policy I asked what I violated and was told I would need to speak with customer service. I asked for a manager 5 times and was denied and told they can't help this is on customer service. I asked to be transferred to a manager in customer service, after a brief 15 min hold ( no check ins ) I was connected with a male supervisor. He only stated he could not speak with me in regards to my concerns and I would need to speak with a 3rd person now for answers. I've now been on hold for almost 3 hours with no answer or response. I called in at XXXX MT and it is now XXXX MT and total time spent speaking with someone has been under 10 minutes. 

My credit was pulled for this line of credit which has a negative affect on my score which I am aware of working with credit ( mortgage ) for the past 7 years. Closing of my account again has a negative implication on my credit as it closes a tradeline. Chase has closed my account with no attempt to inform me or communicate anything to tell me what violation I made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XX/XX/2017 I was in contact with Kohl 's. I was a payment past due and was asked to make my payment. I told the customer service rep that I was actually going to the store as we were speaking to pay with cash because I wanted to use my card right away. He said no problem, I will process the payment over the phone, I said but I wanted to use my kohl 's card today and cash payments post right away for use. He said no we can use your debit card and you can use your card right away. I know by him saying that, that there is no way they would let me use my card unless that money came out. So I double checked and said I can use it today and it will post right away, he said yes. He really forced me into making a payment then and there. So I read him my debit card number and mind you, I 'm never late. I think I may have been once but that was when I just XXXX and was on XXXX and forgot. So I read him my debit card number and he told me he would take the late fee off. I received a call today,XXXX around XXXX central time, and was told my account was 2 payments past due! I was shocked and asked about the debit card payment I made. She said it did n't not go through and I explained that I was told it was processed right then and there. I have XXXX bank accounts and I keep {$100.00} in XXXX all the time and at the moment I had that debit card on me for that bank when that rep called on Saturday. Well looking at it, I discovered I had {$76.00} in there for a {$82.00} payment. If I could of used my bank routing and account number it would have went through or if I would have jus paid cash I would not be in the situation I am currently in. I was repeatedly asked to use my debit card and told I could use my kohl 's card that same day meaning it would come out same day. The rep today told me that I was read that it can take 24-48 business hours for a payment to post but I do n't see how with a debit card payment. I feel I was misinformed and now my credit is suffering. I am trying to build my credit for a house next year and this is making me so mad. I would have paid in store with cash if I knew this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Multiple attempts to restructure, forbear or otherwise decrease the loan and payments. My loans date back to XXXX, when I borrowed a total of {$25000.00} dollars. When the housing bubble and then the teck bubble burst, my husband lost work. Many time I had to go into forbearance. I only earned about $ 16/hour but was never offered any other option. In XX/XX/XXXX I begged for any options to help with the loan. I was told they could check on forbearance. It was denied on XXXX stating that I had, " already used the maximum time allowed for a forbearance. '' Since then I have struggled to make payment, knowing that I had no other options. Now I lean that I had many options. My average income, using line XXXX form my tax forms, was {$28000.00} which places me into or near the 150 % of poverty level mark. Despite this I have never been offered, nor when I asked was I informed, about payment options other than forbearance. In light of the recent litigation against Navient, I believe that I am one of the people who has been harmed by their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I had a mortgage that was paid through a Short Sale that was incorrectly listed on my XXXX reports as " Foreclosure ''. I disputed it with all XXXX bureaus. XXXX and XXXX properly updated the item on my files. Trans Union left it. I provided back up documentation showing the item was paid in short sale. How could XXXX properly update only XXXX of the XXXX credit files? Trans Union obviously made an error leaving this status as " Foreclosure ''. 

I have attached the same documentation I sent to Trans Union to this complaint.

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 2016-01-16
Company: EQUIFAX, INC.
State: DC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Please be advised this our FOURTH time we are trying to seek justice in this matter. On three separate occasions, we requested to have a release and withdrawn lien removed from our Equifax credit report per the Internal Revenue Service release and withdrawal. The documentation from the IRS stating that the lien has been released and withdrawn is attached. In each instance, Equifax has provided confusing and insufficient explanations as to why you it chooses to continue listing a withdrawn lien on our credit report. XXXX and XXXX have removed the lien based upon the IRS documentation. As further evidence supporting our position, please see the attached email documentation from XXXX XXXX XXXX a Tax Specialist with the XXXX Office of the Chief Financial Officer of Taxation and Revenue indicating that there is " no indication of a lien filed in the XXXX '' on me and/or my wife XXXX XXXX. 
Based upon the documents, we have Equifax through a formal dispute to respond to the the following questions : 1 ) Please provide to us the Equifax policy regarding removal of withdrawn liens from credit reports. 
2 ) Please advise whether your failure to remove an IRS withdrawn lien from a credit report is Exquifax policy. 
3 ) Please advise whether the above Equifax policy is consistent with Fair Credit Reporting Act, as the other XXXX agencies have subsequently removed the lien. 
4 ) Please explain how your policy specifically has a bearing on our credit worthiness. As the Internal Revenue Service saw fit to remove, we believe your failure to follow suit constitutes an unfair business practice and is harmful to consumers. 
XXXX XXXX XXXX, XXXX ( XXXX ) and XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
EQUIFAX HAS NOT PROCESSED DISPUTE AND INVESTIGATION TIMELY FOR XXXX AND XXXX. I AM AUTHORIZED USER ON BOTH ACCOUNTS & XXXX XXXX XXXX, INDIVIDUAL ACCOUNT USER, HAS BOTH ACCOUNTS REMOVED FROM HIS CREDIT FILE WITH ALL XXXX CREDIT REPORTING AGENCIES DUE TO INCORRECT DATA. BOTH ACCOUNTS ARE CLOSED AND OLD AGED ACCOUNTS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-02
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
One month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

In my lengthy loan application with XXXX XXXX, I have now just learned that they can not move forward because a creditor, XXXX XXXX, has mistakenly coded my account. Using a third party to review the credit worthiness of applications, XXXX Loan Rep XXXX XXXX has told me that " the client needs to reach out to the creditor to explain why they ca n't correct the billing. '' XXXX reported yesterday, " Just heard back from XXXX. I asked them to provide more info about the lost or stolen that they are stating is on this account. I told them that we were working on a report pulled XX/XX/2016 and at that time this account was no reporting as lost or stolen. This is what they said : XXXX - Please be advised that we only have the date of the last reported by the creditor to us : XXXX/XXXX/2016 and you will have the consumer to contact the creditor to get more information. Also, this is the information that we have for this type of accounts : Lost or Stolen accounts do not show neither balance nor late payments and are automatically closed. '' Says XXXX XXXX at XXXX XXXX, " So basically, because its been coded like that, they are n't able to move work on it. '' I do n't know what this means. Except, that I can not obtain approval for my refinance request because XXXX XXXX has improperly coded their reporting. 

XXXX month ago, I lost my credit cards while traveling on business. I called all my creditors and cards were reissued. XXXX XXXX is the only account I have a big problem with. At XXXX XXXX recommendation, I made a payment of approximately {$2400.00} on my XXXX XXXX account. However, they posted the payment to the former account number that was closed, showing a minus {$3000.00} balance. The new account showed a positive {$4000.00} balance. They did not reconcile the accounts. They twice faxed at my request to explain the situation. Due to improper coding, my loan will not be approved. I need help! 

XXXX XXXX, Solution Consultant at XXXX XXXX can be reached at XXXX, fax XXXX, email XXXX XXXXXXXXXXXX. 

Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Good Morning, This debt has been settled and paid multiple times. However Fair Collections and Out continues this fraudulent behavior. I have tried contacting them, along with XXXX. These were all settled in XXXX or XXXX. For {$1700.00} {$2700.00} and {$2000.00} which were negotiated and paid with XXXX XXXX XXXX in XXXX XXXX. This has caused me to go XXXX because of greed.

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 2021-03-19
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We have a mortgage on our house. Last year around XXXX we had our house roof replaced due to many hail storms. Our insurance company, XXXX XXXX, sent a series of 4 checks over the next few months. The first one went through and was deposited. The next 3, however, did not and we found out US Bank now held the mortgage and had to sign off on them. We contacted them and they informed us the checks had to be sent to them in Arizona and this is where the lies and disrespect begin. Since this had been going on the roofing company was asking for payment. We informed them of what was going on and they agreed to wait a while. US Bank said send the checks to them so they could endorse them so we could deposit them and pay the roofers. My wife sent the checks overnight at our expense and included a return also at our expense. Over XXXX in cost actually. So we wait and wait and a couple of weeks later they send them back, not endorsed! We called them and they wanted to dispute that saying their records showed they had been endorsed. We had to make multiple calls and finally had to do so from a bank to get them to understand they had not endorsed them despite what their records show. This took a couple of weeks. The roofing company at that point really wanted their money. So we again send them back to US Bank in Arizona after calling them and we are informed they will overnight them back. Still waiting. Each time I call I am told a supervisor is dealing with that and that ends the conversation. I tracked the checks and no they have not been sent overnight to us. More blatant lies for no reason from US Bank. So today I get to contact the roofing company. If they demand payment I get to go to our bank and see about a loan to cover this. The response from US Bank? A supervisor is dealing with this. We did nothing wrong and this is so unfair. We are out close to XXXX now and more time than we should have had to deal with this all because they made a mistake which we have to fix.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
Received free credit report from Transunion XXXX. Paid {$1.00} by credit card to get XXXX score. They took credit card and began billing me for credit monitoring which I had not requested. Very difficult to cancel program with no refund.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: SUNTRUST BANKS, INC.
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
A debit card dispute was made on or around XXXX with Suntrust for a transaction in the amount of XXXX XXXX XXXX. As explained to XXXX, the online chat rep who took the dispute information, XXXX items were ordered and only XXXX arrived. The item that arrived is incorrect and was returned, tracking information was provided and again here, XXXX. The package was delivered on XXXX and Suntrust should know this as number was provided to track. The phone rep I spoke with today said case is still pending, however, I received a form today requesting information already provided to XXXX via live chat and was just detailed above. The rep was also advised XXXX did credit XXXX item, still waiting on credit for second item returned, no mention of needing any additional information. I do not know why I was sent form requesting same info which was already provided. I was charged XXXX overdraft fees relating to this charge, I was told both would be credited back upon outcome of case, however, they seem to request same information which was provided to XXXX and here.

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