BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-03-19
Company: EQUIFAX, INC.
State: LA
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 spoke to customer service rep at Equifax last month advise reported date on several close accounts are incorrect After receiving a copy of my credit report in the mail on Tuesday. I notice the problems has not been fixed. I have tried several times to reach Equifax customer service the telephone has been busy for days. 
I have not been able to reach anyone by phone I email he CEO today The following account 1. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 2. XXXX  XXXX last date reported is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 3. XXXX  XXXX last reported date is XX/XX/XXXX should be XX/XX/XXXX This account was closed in XXXX 4. XXXX XXXX XXXX last reported date XX/XX/XXXX should be XX/XX/XXXX this account was closed in XX/XX/XXXX. We sold our home XX/XX/XXXX 5. XXXX XXXX XXXX XXXX  last reported date XX/XX/XXXX should be XX/XX/XXXX this account was transferred to XXXX XXXX XXXX in XX/XX/XXXX and was closed in XX/XX/XXXX I would like the last date reported changed to the correct dates! 
I am in the process of buying a home and it looks like I've been last in the past 12 months on old accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XX/XX/XXXX received a targeted promotion from Citibank, offering me XXXX American Airlines miles as a bonus for opening a Citigold checking account and completing simple requirements. I opened the account using the promotion code, and promptly completed the requirements. Now, in XX/XX/XXXX, one year later after having satisfied the terms of the offer, I have yet to receive the bonus. 

In XX/XX/XXXX, I contacted Citibank regarding receiving the bonus, and I was told that they could not locate the promotion code in association with my account, and began an " investigation ''. In a separate communication from Citibank, I was told that the " investigation '' was ongoing and would complete on XX/XX/XXXX, after which I would be contacted with the results. After hearing nothing by XX/XX/XXXX, I contacted Citibank again and was told that Citibank 's promotions investigation unit was " experiencing a delay ''. It is now XX/XX/XXXX, with no response from Citibank.

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 2015-10-12
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I went to make a purchase at a local merchant, and he said the minimum purchase amount was {$15.00}. This seemed unnecessarily high. I was under the impression that, under Dodd-Frank, such minimums could n't exceed {$10.00}. When I called XXXX to complain, they indicated that the merchant was free to set whatever minimum they wanted. Could you clarify what the law says? Does it depend on what state I 'm in?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CITIBANK, N.A.
State: NC
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
For the past year, I have been attempting to have Citibank update the status of XXXX loans they previously held. These loans were disbursed to me in XXXX, when i was a student XXXX XXXX XXXX XXXX in XXXX, NC. These loans defaulted in XXXX, after I graduated XXXX and had a very hard time finding a job. At the time, I was barely making enough to pay my rent, utilities, and buy food. These loans transferred to XXXX other lenders. 
During XXXX and XXXX, I completed rehabilitation programs for all of my defaulted student loans. I also paid off XXXX of the loans that was previously owned by Citibank. I did so with the guidance of an advisor at a local credit counseling nonprofit. She suggested I reach out to Citibank after completing all rehabilitations, to request that the status of these loans be updated to paid on my credit report. Both lenders ( XXXX Funds and XXXX XXXX XXXX XXXX XXXX updated the status of loans on my credit report. However, after many requests and promises to update my loan status, Citibank has not done so. 
I started by calling last fall and speaking to a representative. They assured me that If I obtained letters from XXXX Funds and the XXXX XXXX XXXX XXXX, Citibank would update my credit report status to paid and rehabilitated. I mailed these documents in XXXX XXXX, and received a reply from Citibank in XXXX XXXX indicating that they received my request and would update my account with all XXXX credit agencies. Nothing happened. 
I called and then sent another request by mail in XXXX XXXX. I got another reply that the status of my old loans would be updated, but still nothing happened. Since then, I have talked to several Citibank representatives who gave me false hope. These loans both have a delinquent status on my credit report. 
I have consolidated all of my remaining student loans under the servicer XXXX. These Citibank loans are the only negative mark on my credit report. They are listed as last late 5.1 years ago. I 've tried so hard to repair the damage I did to my credit and financial future by letting my student loans default. My fiance and I are hoping to buy our first home this year, but we are waiting for my credit to improve. I would be so grateful if Citibank would remove the negative status of these accounts. We do n't want to wait two more years for these loans to disappear from my credit report before we can move forward with our financial goals. I would greatly appreciate any help with this matter. I 'm attaching all of the mailed correspondences between Citibank and myself. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Applied for a Citibank Citigold account with promo code XXXX ( XXXX XXXX bonus miles ). Confirmed with multiple reps that I was targeted and eligible. Finished all the requirements and was told that they can not honor because I was not targeted.

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 2021-05-13
Company: EQUIFAX, INC.
State: PA
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 recently checked my credit report and noticed fraudulent accounts on my credit report.I reached out to the creditor to request the accounts to be removed and they have not removed it. These are fraudulent accounts and need to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a bank account with Citi bank under a promotion which promised me XXXX thank you points when I open a new Citigold bank account. The promotion indicated that I need to be a new account holder and since I had recently closed a bank account ( XX/XX/XXXX ) I talked to the agent to enquire whether I qualify for this promotion or not. At that time the agent told me that I qualify and I will get the points within 60-90 days from opening the account. So I went ahead and opened the account. After using the account for a month I verified with the bank if I have met all requirements of the promotion and when I will receive the points. The bank responded via email that I have met all requirements and will receive the points no later than by XX/XX/XXXX statement. Now after XX/XX/XXXX passed and I did not receive the points, I inquired again, and this time they tell me that I do not qualify since I used to be a customer at a earlier point in time before I opened this bank account. This is a very unfair and deceptive, I inquired with them multiple times and every time they said I will receive the points, and in the end after keeping the account open in good health for 3.5 months they tell me that I no longer qualify for any points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/21 a certified debt validation was sent out to PRA. XX/XX/21 PRA sent 2 statements neither correspondence validated the debt. XX/XX/21 an notarized affidavit of fact was sent to the company certified. Portfolio Recovery Associates LLC has violated my rights as a Federally protected consumer. The following violations were found with Exhibits to prove so. 15 USC 1692e ( 11 ) False or Misleading Representation - failure to disclose that the debt collector is attempting to collect a debt. 15 USC 1692b ( 5 ) Acquisition of location information - the debt collector shall not to use any symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. 15 USC 1692d ( 1 ) Harassment or abuse The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. 15 USC 1692j Furnishing certain deceptive form, and TILA 15 USC 1605 - Fact this is a consumer credit transaction using a credit card where the creditor accredited from when a finance charge is involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress, XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do, I can not get my credit score to what it was prior to the identity theft.

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: Vouch Financial 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: Account status incorrect

Complaint:
I took out a loan from Vouch financial on their website ( vouch.com ) in 2015. At first, everything was fine with all payments being made on time. However, approximately 3 months before the end of my loan the website went offline, automatic withdrawals stopped, and there was no phone number to contact Vouch financial. At the time I thought they went out of business, literally. I have attempted to contact them with no success, and no means to resolve this issue. There was no listing for Vouch financial, and no method published to resolve any open account anyone may have had with thrm. I was pretty sure Vouch financial went under. Now the account shows 4 YEARS LATE on my credit report. This is a major issue and is preventing me from purchasing a house. This is borderline criminal behavior by Vouch financial since they did not make any effort and provided me NO WAY to actually pay the loan after their website went offline.

Company response to consumer: Untimely response
Consumer complaint received 2021-03-19
Company: EQUIFAX, 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:
XXXX XXXX I recieved communication from Equifax that they would not respond to my dispute due to " not being specific ''. Equifax has been contacted by me several times by certified mail and via telephone in regards to their continued illegal reporting of inaccurate information and accounts. Equifax continues to ignore the laws as stated in 15 U.S.C 1681a ( 2 ) ( B ) all while sending corespondence that makes it " appear '' as if they are acting on the best intrests of me the consumer. Equifax has untruthfully stated that theycan not response to my disputes because they dont understand what accounts are being disputed, when in fact they have recieved several written corespondence from me detailing their illegal activity and asking them to " CEASE and DESIST '' in continuing to 1 ). Illegally share information pertaining to me to ANY third party compaines or credit agencies without my consent. 2 ). Continuing to place in their report innacurate accounts and acount information. 3 ). Give a detailed report of how and who verification was completed with. All alleged accounts enclosed in the dispute were also contacted about information being reported. Several of these companies responded and have either deleted these accounts or have no knowledge of the alleged account in their systems. Equifax continues to list these accounts as " verified accurate '' when in fact the accounts have not been verified in accordance with FCRA. Equifax continues to seek information from a third party vendors and not the acutal companie and report information from the vendor as " acurate '' when in fact it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-19
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: Account status incorrect

Complaint:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

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: EQUIFAX, 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: Account status incorrect

Complaint:
I did a loan modification with my mortgage company XXXX XXXX XXXX XXXX XXXX. I completed all the trial payments and they are reporting missed and late payments on my credit report even though I am no longer late nor have any missed payments with them. They have been reporting negativity since XXXX several times a month and it hurt my credit report a lot. I need this fixed. Each violation of the fair credit reporting act is {$1500.00} per offense and they committed multiple offences in the last few months reporting for months I wasn't even late on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have been a bank of America customer since XX/XX/2005.I opened a checking, savings and a credit card account, my issue is with the credit card account 's APR percentage, it went from10.99 % to 16.99 %. I spoke to the account manager/ account specialist about lowering the APR I was told there was no promotion available for my account they could n't do anything for me. The reason for the APR increase was the bad economy, the economy has recovered yet Bank of America refuses to lower my APR. I feel wronged ... that 's not how you treat a loyal customer!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20
Company: Experian Information Solutions 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 have requested, numerous times over the last 2 years, that inquiries be removed from my credit report. My bankruptcy was discharged in XX/XX/2019 and since then I have had less than 10 legitimate inquiries, however this credit bureau shows nearly 100. Every time I try and dispute them, and explain that my identity had been stolen many years ago ( I have an FTC identity theft report ), they continuously come back " inquiries are a factual matter of record ''. 
It may be true that these companies looked at my credit but I DID NOT authorize it. Now I am attempting to purchase a home and am being told my inquiries are in the way. If the credit bureau can not provide proof ( signed agreement ) that I consented to these inquiries over the last 2 years, I would like them removed.

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 2017-01-19
Company: GREAT LAKES
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was told that the loan was a grant, when I told them that I did not have a job, and I could not afford a loan.After 7 years passed they garnished my wages without any notification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: TRANSWORLD SYSTEMS INC
State: VA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
As a student at XXXX, specifically XXXX, I was demanded to obtain partial student loans from XXXX and the remaining amount from XXXX. While in school, XXXX staff continuously demanded that I repay the loan while in school or suspended until the balance was current. In addition, although I completed all of the required courses and internships, my certification was withheld and has not been released to this date. Moreover, while at school, I was pulled from class on several occassions to discuss the status of the loan, when it needed to be paid, and what the repercussions would entail if I did not follow through with accurately paying on time. The US Department of Education finally approved my XXXX to repayment and cancelled the federal loans obtained while at XXXX. However, XXXX sold my account to XXXX and XXXX in the midst of CFPB 's law suit. XXXX is reporting the account as adverse, negative, and as a charge off on my credit report and refused to remove the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by Trandworld Systems attempting to collect a debt that was being collected by another collections agency. When I was contacted by them the amount they said I owed was more than the original debt. I sent them a letter advising them that the debt was already being collected by another company, provided them proof of the other company collecting the debt, and that they had increased the amount I owed. I asked them to cease attempts on collecting this debt. I have not heard from them since but they have now added the collection to my consumer report and it is now showing in collections on all XXXX bureaus.

Company response to consumer: Closed with explanation