BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
the above account does not belong to me nor did I have any knowledge of the account the account was open in result of identity theft sync/ppc  XX/XX/19 {$5500.00} .ive sent copy of the police report to the creditor

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 2019-04-05
Company: Navient Solutions, LLC.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Was called from a phone number of XXXX at XXXX XXXX Central Time on XX/XX/2019. Sent to voicemail as I didn't recognize the number. The caller ( not recorded ) asked for XXXX XXXX in regards to XXXX XXXX (? ). Left a phone number of XXXX with reference number XXXX. I am not XXXX XXXX. I don't know any XXXX XXXX. I don't have any outstanding debts. Even if that were the case, no one should be contacting anybody except employers about other people 's debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have tried on numerous occasions to contact XXXX XXXX XXXX, XXXX, XXXX & Equifax to have someone help me get this fixed and either removed or have the late payments removed at the very least on all my credit reports. It seems no one is being help accountable and are just blaming the other company. For example XXXX tells me that XXXX XXXX XXXX has to fix it but then XXXX XXXX XXXX tells me the opposite. It is extremely difficult and frustrating to even try to get someone at XXXX XXXX XXXX to fix this problem,. They are taking advantage of myself as well as many other consumer they have had in the past or currently have. I have read many news stories and reviews about their service and unwillingness to cooperate and help fix what they falsely report on people credit. This was a governmental forgiveness program and my balance was supposed to be forgiven ( which they actually did forgive ) and when I spoke to the customer service later back in 2012 she advised me that my balance will show up as {$0.00} on my credit report which it does ). She also informed me that they will be removing the late payments that show up on my credit report as well. When I checked a few month after I received the forgiveness letter and spoke to the XXXX XXXX XXXX customer service agent I pulled my credit report. I was happy they kept HALF of their promise ( as was required by law ) and my balance was {$0.00}. But the late payments were still showing ( and are still showing to this date ) even after a few months after I was told that they would be fixed on all 3 credit bureaus and removed so that my credit reports do not show any late payments. When I called back to ask why they have not removed it yet I was told that they had a glitch in XXXX XXXX XXXX 's system and that it would be fixed. 

Fast forward now to over 5 years, I still have the late payments showing and I tried everything I can possibly do to have them remove these late payments. I tried contacting all 3 credit bureaus, I tried contacting XXXX XXXX XXXX. I have no other option now but to file this complaint for the government to intervene and help resolve this ASAP before I call a lawyer and contact the media in regards to this. XXXX XXXX XXXX ( as well as these credit agencies ) are affecting people 's lives and making promises that they do n't keep. I believe that XXXX XXXX should be investigated in their practices. If they pull the phone calls they can actually hear the 2 different customer agents telling me that my late payments will all be removed from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Experian Information Solutions Inc.
State: GA
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:
Experian refuses to initiate my disputes on line and continues to list fraudulent information on my credit 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 2018-03-23
Company: Freedom Mortgage Company
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I had a loan with Freedom Mortgage ( Loan # : XXXX  ). For the past 4-5 months I have been going back and forth with them about notices I had been getting for a late payment. I called them 5-6 times and showed them bank records proving I was not delinquent and they kept telling me that I was right and that I had never been late. According to the reps I spoke to they had been applying my payments incorrectly causing it to look like I was late. After telling me it was fixed and taken care of numerous times I checked my credit to find out my score had dropped 150 points because they reported me as delinquent. This happened right as I was in the middle of buying a new house. Luckily the new mortgage company had already approved me but this could have been disastrous. They finally got it fixed a month or so later and my credit report was ok until XX/XX/XXXX when they reported me delinquent to XXXX again making my score drop back down. I have filed a dispute and am waiting to get it fixed.

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 2018-03-25
Company: EQUIFAX, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
The Equifax investigation did not remove inaccurate information. The investigation was not resolved within 30 days. The request to this particular debt has continued for years. Equifax refused to properly investigate. After my recent dispute, I believe that I have now become a target of discrimination by Equifax. After my recent dispute, Equifax added 13 alerts to my account. Equifax falsely initiated disputes without my permission. Equifax sent ( 4 ) disputes to the Federal Government that issued several students loans that are currently in good standing. Equifax falsely, stated to the loan servicing company, that I was disputing the debt. This is negligent, and fraudulent. It is my belief that these actions were retaliation for current calls, and complaints with CFPB. Equifax submitted false disputes to XXXX XXXX, A decades old account with XXXX, XXXX XXXX, a second dispute to XXXX XXXXXXXX, and XXXX XXXX. The disputes were discovered by me on XX/XX/2018 via the Equifax web account purchased to protect my credit file. Instead, Equifax has contributed to false reporting. The XXXX account remained on my account for years despite my continued efforts for removal. The product purchased by Equifax was advertised as a free product that has continued to be made available to victims of their breach. They have affected my score more negatively than the initial fraud. It is what I call adding salt to a wound.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-18
Company: DISCOVER BANK
State: MA
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:
XXXX claimed they delivered a package to my address, which I never received Listed below are the delivery facts from the USPS regarding shipments XXXX & XXXX, with the supporting documentation enclosed. 

I. There was no signature II. The packages were delivered to zip code XXXX. 
a. There are XXXX souls living in XXXX dwelling units in ZIP code XXXX. 

XXXX provided no information that the package was delivered to my address, let alone signed by anyone. The only information provided shows that the packages were left at or near the mailbox in one of XXXX dwelling units. At or near mailbox does not indicate that the package was even placed inside of a secured area, let alone a secured area in my building. 

How am I being held responsible for a package for which there is no proof that I received? XXXX for a small fee, {$.00}, could have requested delivery confirmation from the USPS. This would have ensured that an authorized agent signed for the package. Alternately, XXXX could have ensured the packages for approximately {$4.00} each. 

There is no evidence to support that I received the packages.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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:
Some time ago, I sent Chase a letter informing you that I will be sending a check with a conditional endorsement which laid out the terms of an accord. USPS shows that the company received this letter l as shown in the attached copy of my certified mail receipt below and according to USPSs mail tracking website. 

Also, attached is this letter is a copy of cashed checked which proves that they failed to honor the conditions set forth by the check to delete the negative reporting from my credit report. I have attached a screenshot of my credit report proving that the company broke the accord set forth by the conditional endorsement check they have cashed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-11
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX is claiming I owe {$1900.00}. This is a debt on my credit report filed by XXXX XXXX. However, the debt amount is wrong and this account was not just mine it was my sister and mother.I am not responsible for the whole {$1900.00}.

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 2018-03-23
Company: Montgomery & Meyers P.A. Corporation
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company called me on XX/XX/XXXXsaying I owed them approximately {$220.00} for medical debt from XX/XX/XXXX. I requested that they mail me a letter explaining the debt and contact information for the party claiming I owed money. The agent, XXXX XXXX refused to send a letter saying that " this is a courtesy call prior to us initiating legal action, you already know about this debt ''. I stated that unless they wished to send a letter validating the debt, to not contact me again. This action is a violation of the FCRA and federal and state collection laws. I received another call on XX/XX/XXXX but nobody spoke for 10 seconds and then hung up. I have made two attempts to call back to resolve the issue but nobody answers the phone. I attempted to resolve on XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-04-05
Company: BBVA FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
I have tried to close my checking account with BBVA several times. This is the third letter I have received from BBVA saying that I have a balance duewhich is impossible because my account was frozen, closed now, and the balance is XXXX. I brought in a similar letter to the one that I have received today to a BBVA banker, and they even reassured me the letter was wrong. This letter im receiving now is threatening to send my supposed balance of {$140.00} to debt collections, which could interfere with my credit as I am in the middle of closing on a house. I am extremely livid, and I assure you numerous negative reviews will be given about the banks service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Rent Recover, LLC
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2018-03-23
Company: JPMORGAN CHASE & CO.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I was offered a loan modification after a brief period of employment ( 6 months ). The only problem is that Chase did not credit all my payments from before I notified them I was unemployed ( which was 60 days before I was late on any payments ) nor did they credit my payments made during the loan modification process. This means my new loan beginning " loan amount '' was too high. I tried to clear it up with the Executive Office Customer Service Rep but " XXXX XXXX '' was not able to explain the math computation. We went over it for a few months and she had to go back to me for clarification but never was able to. 

I then was provided XXXX XXXX, Customer Assistance Specialist and he agreed to send me documentation and then set up an appointment with an Underwriter who will explain the math. 

I was bullied and threatened into signing a loan modification that Chase fully knew was inaccurate. Chase 1 ) over charged me for a new loan by starting the loan balance too high 2 ) charged me two years of taxes, putting those costs into a 2nd subordinate loan when I was only out of work for 6 months and had paid my taxes via my escrow account and had enough funding in my impound account to cover my taxes. This meeting with the Underwriter never happened. Every time I contact Chase, 1 ) I can not reach assigned rep XXXX XXXX 2 ) he may call me once and I miss his call and he never calls back until I call again for months. 

I would like Chase to Gove over the loan modification math computation showing they have credited all my payments, I would like an accounting for my tax impound account, I would like my account corrected and the loan modification docs the forced me to sign under duress of the threat of foreclosure be cancelled and reissued correctly in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
After making a purchase with my XXXX XXXX XXXX credit card on XX/XX/XXXX for {$43.00}, I paid the purchase off as well as any late fees in full on XX/XX/XXXX which amounted to {$100.00}. The company continued to charge my account interest and late fees without notifying me of any activity on my account. I had not made any purchases using the card after the initial charge on XX/XX/XXXX. This is because the company had failed to send me a bill for that charge or any information about how to pay off the card, which is why I accrued late fees and did not pay until XX/XX/XXXX. I was weary of the company 's credit policies and decided to no longer use the credit card I had with them. Regardless, the company continued to charge me these late fees and minimum charges without notifying me of the charges on my account - their records show no indication that I ever received any information regarding these charges aside from ONE bill that finally came in XX/XX/XXXX to the amount of {$89.00} which was a result of the minimum charges and late fees that they had been charging my account. The company has acknowledged their mistake and said that they would report the error to credit agencies for the month ofXX/XX/XXXX However, this has been going on since XX/XX/XXXXand my credit has suffered since then at no fault of my own. I would like the false delinquencies, starting XX/XX/XXXX, to be removed from my credit score. The files I have attached show the account statements proving this fact. For the statement of XX/XX/XXXX, it is clear that I made no purchases but the company still charged me minimum and late fees.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-05
Company: JPL Recovery Solutions
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On Tuesday XX/XX/2019 I received a vm from JPL recovery solutions. I returned the call and spoke with XXXX at XXXX. I requested validation of my debt and he responded by saying it was already sent. I again requested for the validation to be mailed to my address and I verified my address. XXXX said he would email it. I said no email, I prefer by mail. On XX/XX/2019 I received the correspondence via email when I strictly requested by mail. Then I asked for no more calls as I would take care of the balance after reviewing the validation. Today XX/XX/2019, my brother sent me a message via messenger saying XXXX called him asking for information about me. I already asked for no more calls so I am not sure why they continue to harass me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 was viewing the details of my credit report and I saw that XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX had some inaccurate accounts on my file that I don't recognize. I was looking at the FDCPA, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, of this information.

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 2018-03-23
Company: WELLS FARGO & COMPANY
State: WY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Im writing again, hoping you can contact Wells Fargo and get them to properly review my loan for assistance options. I submitted my application for assistance well before their stated cut-off, and have been diligently supplying follow-up information as requested. In spite of my active review, they have not removed my sale date, which I have been informed is in direct violation of federal foreclosure laws.

To summarize again how I got here, I took a new job in XX/XX/XXXXof 2016. But my first paycheck bounced. It was a nightmare! I worked constantly but wasnt able to pay my bills. Things started to pile up. Late fees added up. It didnt seem like there was anything I could do to dig myself out of this hole. I tried my best, but two of my mortgage checks bounced because I was not being paid. Despite working and working, I couldnt depend the checks I was given would go through. I quit and took another job that paid less.

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 2019-04-05
Company: BB&T CORPORATION
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have prepaid my BB & T mortgage ( which my mortgage agreement allows ) to reduce the principal amount due over many years. I recently was informed that my additional payments were placed in an suspense account that BB & T could use for their purposes and they were not credited toward the principal reduction on my mortgage loan. When I review the past 6 year accounting its obvious that BB & Ts accounting for mortgage over-payments is inconsistent and unscrupulous to the mortgage loan holder. In fact its fraud since my mortgage does not have a prepayment penalty and every retail bank loan officer assures customers that excess loan payments will automatically be credited towards a reduction in principal. I have tried to communicate with BB & T over the past 2 months to no avail. If there is anyone trying to pay down their mortgage before retirement or to reduce the mortgage loan term with BB & T consumers should be very wary! This is time sensitive since BB & T plans to merge with XXXX and I suspect consumer mortgage records may be purged. Perhaps the merger should be blocked until a thorough review of their accounting of additional mortgage payments is reviewed for proper payments of reductions to mortgage principal payments.

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 2021-09-09
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my account. Please delete this negative account off my credit report asap. I've never got anything in the mail or anything verifying this is XXXX percent my debt. according to the FCRA you must delete this debt asap.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-05
Company: Global Trust Management LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Please find attached two phone calls ( XX/XX/2019 and XX/XX/2019 ) that I have received from Global Management Trust LLC using pre-recorded automated messages on the voicemail of my cellular telephone, a violation of TCPA 1991. The repetitive calls and failure to give a mini Miranda are also a  violation of The Fair Debt Collections Practices Act. The TCPA entitles me to {$1500.00} per phone call individually speaking and {$1000.00} under FDCPA in statutory damages alone plus my attorney fees, and actual damages if any.

Company response to consumer: Closed with explanation