BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-08
Company: SYNCHRONY FINANCIAL
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: Problem with rewards from credit card

Complaint:
A Verizon-branded credit card is issued by Synchrony Bank. Reward dollars on the Verizon credit card should be available to spend on the Verizon wireless bill. Although {$44.00} of rewards dollars are available on the Verizon credit card website at XXXX, {$0.00} of reward dollars are available on the Verizon Wireless website at XXXX. On XX/XX/XXXX, I complained to the Syncrhony Bank at XXXX, which said it was Verizon 's problem. Also on XX/XX/XXXX, I complained to Verizon at XXXX, which said it was Synchrony Bank 's problem.

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 2017-08-02
Company: ALLY FINANCIAL INC.
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have debt with National Auto Finance for a loan that I cosigned with my sister. She stopped paying on the car in 2010 and it was repossessed. The reason I am writing you is because the debt should not be on my credit report and has an illegal date of last activity, DLA, of  XX/XX/XXXX . It is showing up like I recently paid on this item which I have not and since it has been 7 years, it should not be on my credit report. Please have National Auto Finance remove this item from 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 2018-07-05
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have been disputing a Chapter XXXX Bankruptcy with Experian since XX/XX/18 and have sent multiple letters asking for verification and they have changed their sources several times. They in turn have noted on my credit report an address and phone number of a Bankruptcy Court to which I called and was told they never spoke to any representative from Experian and never would. Experian 's last response that they once again claimed the bankruptcy was verified I requested, per FCRA 611 ( 15 U.S.C. 1681I ), that they provide me with a description of the procedure used to determine the accuracy and completeness of the disputed information. I informed them that FCRA Section 611 ( a ) ( 2 ) requires them to contact the furnisher of the information and to provide me with the name, address, and telephone number of each federal bankruptcy court clerk contacted regarding this alleged bankruptcy ; who they referred this dispute to ; and who responded back with the required verification. As I said, I provided them with a letter from the US Bankruptcy Court in XX/XX/XXXX, NY which clearly stated that they do not provide any information to the credit bureaus. Furthermore, PLEASE NOTE : Bankruptcy Rule 9037 which states that " personal identification information defined as individuals Social Security and taxpayer identification numbers, names of minor children, last four digits of financial account numbers, and dates of birth, be redacted from documents filed with the court. '' Therefore, Experian 's claim that their subscription to PACER was used to obtain verification is not only a violation of FCRA Section 611 ( a ) ( 2 ) which requires you to notify the party who furnished the disputed information, ( XXXX XXXX XXXX ) is also in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) which prohibits unfair or deceptive acts or practices '' by purposely reporting information that they have assumed is verifiable based off circumstance.

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 2021-02-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I had a mortgage with XXXX XXXX XXXX that was ultimately foreclosed on. I began missing payments on this account earlier than XXXX, and this account should be removed from all credit bureaus at this point, but XXXX XXXX XXXX refuses to remove it. Beginning in XXXX of XXXX, I applied for a short sale, and even had buyers interested. XXXX denied the short sale claiming the offer was too low. I applied for a short sale again, which XXXX denied once again claiming the property wasnt marketable. I then in XXXX of XXXX requested a deed in lieu of. I called back two weeks later after not hearing from anyone, and was told I had been denied a deed in lieu because I had not completed a short sale process. I was completely floored as I had already gone through the short sale process and been denied twice!! I filled a XXXX  complaint following that incident, which wasnt responded to until XXXX, and I was still requesting a deed in lieu at that time. XXXX  drug this out until XX/XX/XXXX, then still didnt have it officially recorded until XXXX. XXXX has the worst business practices Ive ever encountered. Ive have been through enough because of their mishandling of my case, and their complete incompetence. I just shy of two years ago was able to get another mortgage through the VA, but I had to write a letter to HUD to requesting to have the flag removed from my credit early to do so. I explained the same information above to them, they obviously agreed it was poorly handled and granted my request. Im asking that this finally be removed from my credit report with so three bureaus since this was so poorly handled, couldve been resolved sooner, and shouldve absolutely been removed by now anyway.

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 2021-02-08
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
Per CFPB, instructed to duplicate XXXX ( XX/XX/XXXX ) Party has not received sufficient documentation relating to XX/XX/XXXX purchase of a GAP Contract from Ally, according to the financing agreement. 

The complete VIN has be provided to Ally via the email address we have on file. 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX 

XX/XX/XXXX - The VIN was sent to XXXX be found inside the file GAP ClaimXXXX Attached letter, addressed to XXXX XXXX XXXX XXXX XXXX, NC, XXXX stating that we had not received a response. 

XX/XX/XXXX - CFPB case XXXX initiated XX/XX/XXXX - XXXX case XXXX initiated XX/XX/XXXX - received response for open CFPB case, insufficient information provided, feedback sent XX/XX/XXXX - additional information attached to XXXX  case, including VIN, as a courtesy XX/XX/XXXX - XXXX  case past due, XXXX provided date of XX/XX/XXXX, marked delinquent XX/XX/XXXX - letter dated XX/XX/XXXX from employee/contractor of Ally sent, requested documentation not attached

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-10
Company: The CBE Group, Inc.
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX has continued to try and collect an outstanding balance that I do not owe since closing my account in person, in the XXXX XXXX XXXX in XX/XX/XXXX. 

In XX/XX/XXXX I was contact by phone from XXXX XXXX XXXX stating that I was in pre-collections on an amount owed to XXXX. I contacted XXXX, verified I did not have an amount owed and had them mail me a statement balance showing that my balance was XXXX ( {$0.00} ). On XX/XX/XXXX I faxed XXXX XXXX XXXX the statement that I received from XXXX showing that my account has a XXXX ( {$0.00} ) balance. 

XX/XX/XXXX I reviewed my credit report to find that XXXX XXXX had hired CBE Group to take me to collections. I have since mailed the statement that I received in XX/XX/XXXX showing that I have a XXXX balance on my account to CBE Group. 

I was never contacted from XXXX stating that I owe an outstanding balance. I was never contacted by CBE Group that I have an outstanding balance or was being taken to collections or that they were reporting collections to the consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29
Company: Mr. Cooper Group Inc.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I received a letter of foreclosure dated XXXX XXXX from Nationstar/Mr. Cooper and I did not understand why when I called them to inquire why I was receiving this they told me they couldn't speak to me about anything because my ex wife filed bankruptcy in XX/XX/XXXX but this was after she signed over a quick claim deed to me on XX/XX/XXXX which was received and notarized by the register of Deeds. Nationstar/Mr. Cooper stopped sending me mortgage statements so I have been making my mortgage payments based on what I had been paying all these years. In XXXX I had received a Escrow Review statement from Nationstar/Mr.Cooper which stated I had a shortage or {$190.00} and beginning XX/XX/XXXX my mortgage payment would be {$1300.00} and then all of a sudden I receive a Foreclosure Notice which no one wants to give me any information and I'ts very frustrating, how can my home be in foreclosure when I have been paying my mortgage all these years It seems since Nationstar switched to Mr. Cooper It's been nothing but problems..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have called Experian three times to receive my free annual credit report. I have a dispute also.

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 2019-06-10
Company: Experian Information Solutions Inc.
State: IL
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: Was not notified of investigation status or results

Complaint:
Experian investigated a Bankruptcy case reporting on my credit report. They sent me the results of the investigation which resulted in the deletion of the item on XXXX. The dispute was closed out. They then in return reopened the same dispute and inserted the item on my report and didn't notify in writing within 5 business days per FCRA 611 ( 15 U.S.C 1681 ) Section 5 subparagraph A. 

I demand for this item to be deleted as I have previously provided that the third party agency they claim to receive their verification through has no records of said item on file.

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 2018-07-05
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I have been charged 3 times overdraft fees for insufficient funds. I get the alerts a day after the fees have hit. Both alerts have been text and emails which have been a day or 2 late. Bank states that it's my fault that I should have paid more attention to account. Why have alerts yo help me when the alerts dont really help. I would have transferred funds from another account if I knew.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29
Company: CITIBANK, N.A.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I found " XXXX XXXX XXXX '' amongst other bonds. XXXX XXXX XXXX Bank, XXXX XXXX branch in New York issued this bond to me ( maiden name XXXX ) in XXXX of 1972. When I found it, I went to my local CitiBank branch in XXXX, NJ to cash it in. I spoke with a banker named XXXX XXXX, who told me there was no way to cash in the bond because systems were entirely different than at the time of the issue. He gave no further suggestions about how to resolve this problem.

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 2018-07-05
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I started making student loan payments to Navient on XX/XX/XXXX by the amount of {$87.00}. This amount was the repayment plan that was provided by Navient. The amount was an automated payment from my checking account. I've been paying that amount for almost 7 years. Last month XX/XX/XXXX, I received a letter saying that they did an audit and found that I need to start making bigger payments to meet the payoff date of XX/XX/XXXX. The new amount will be {$190.00}. This is more than double the amount I was paying for the past 7 years. I called to find out more information and see if I did something wrong. I talked to the first representative and her supervisor and they both said the same thing. They performed an audit and found that my payment needed to be increased. For the past 7 years I was making payments that they told me to make. What ever information they had to calculate the repayment plan did not change. If a mistake was made on their part, they should have found out sooner, not 7 years later. If they found out earlier, I would understand my payment increasing by a little bit. But since the mistake was found 7 years later, it ballooned my payment to more than double. I don't think this is fair and this large amount will be a burden on my family financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
American Express just notified me that they are charging me a fee AFTER I already closed my credit card. I closed my Platinum card ending in XXXX on XX/XX/2020 with XXXX balance. Today, 9 days after the account is closed, I received a notice that they are debiting {$120.00} and {$75.00} for a total of {$200.00} on that account. The reason is that they are " offsetting '' a merchant credit that took place back on XX/XX/2020. 

It is unacceptable that American Express is charging an already closed credit card for something they claim they made an error for back in XXXX. Furthermore, if they had notified me of this issue before the card was closed, I could have used the opportunity to use the {$200.00} credit for something else. Instead, American Express waited until the card was closed to unilaterally make this charge, without my consent, and with a closed card there is nothing I can do about it. American Express is refusing to assist to resolve this unfair treatment that occurred due to their own error. Please help!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid car off with XXXX on XX/XX/2017 letter mailed in. 
Online ACH payment, 2nd time XX/XX/2017, 3rd was XX/XX/2017. 
Sent a letter to requesting them to stop calling in XX/XX/2017 and have received four since then.Also on a letter they had or were given 10 days to respond or the bill would be marked PAID IN FULL. They took 15 days. Four counts of payment in full and still no TITLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-23
Company: EQUIFAX, INC.
State: GA
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 submitted a dispute back in XX/XX/2020 regarding unauthorized inquires on my credit report. I filed a FTC report and provided FTC file number. 
I sent letters to the companies that requested to pull my credit and did not receive a response. This is my last resort because I followed all the steps to get my inquires removed that I did not authorize. 

The following inquires and dates are unauthorized XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX Credit Bureau XX/XX/2020 XXXX XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: AMERICAN EXPRESS COMPANY
State: NJ
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:
on XX/XX/XXXX I try to use my rewards point, american express refuse to let me use the rewards i earned on each credit card because the account was suspended. They took all rewards and instead of being separate by card all cards show only one credit card rewards. I demand full cash refund if the are not allowing me to make reservations online.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
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:
I have been a loyal customer of PennyMac since XXXX. when we purchased our first home and even re-finance our loan with them first time around in XXXX. 
Back in XXXX we wanted to take advantage of the lower rates and apply with PennyMac again to refinance our loan, only to be denied. ( we have never been denied credit before ). We went ahead and contacted another lender who was not only willing to work with us, but got us approved for a significant lower rate. Regardless of the hardship that Covid-19 imposed on most of us, we have never been behind our mortgage payments nor been behind them, ever, and we work hard on maintaining our credit between very good and excellent since our business depends on it. I'm a XXXX XXXX XXXX and every credit decision lenders, suppliers, and potential customers make are based mainly on my personal credit. After being told by my new lender that the new loan would close by the end of XXXX, I requested a off statement to confirm the amount my new lender was telling me on XX/XX/XXXX. That amount included all taxes, interest and principal owed till XX/XX/XXXX. For reasons beyond my control, the pay-off to PennyMac was effective on XX/XX/XXXX for the full loan amount, but to my surprise, PennyMac has reported me to the credit bureau the day before, Sunday XX/XX/XXXX for Late Payment, impacting my credit score tremendously. The same Monday XX/XX/XXXX I contacted PennyMac to inquire about this misunderstanding, and after an hour on the phone, PennyMac stated they will contact the credit bureaus via letter and copy me to have the issue corrected. After not receiving any letter from PennyMac nor seeing any improvement in my credit, I contacted PennyMac again today to inquire on the status of the letter and the removal of the negative reporting only to be told that more information was needed from the 3rd party first to remove the derogatory mark ( without ever notifying me what was needed nor when ) and later on after 35 minutes waiting for a " supervisor '', I was rudely told that she can't lie to the credit bureaus and the derogatory mark can not be changed. ( even after 7 years of loyal exceptional payment history ) After contacting experian and equifax, I'm reaching out to you to help us in this uncomfortable and very unfair situation I've been placed on. 
I'm a hard-working person that has several families depending on our small business and I don't believe this multi-billion company, PennyMac that is, or its " customer service '' reps understand the magnitude of the impact a simple wrong reporting could cause. 

Thank you in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-08
Company: CITIBANK, N.A.
State: NJ
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:
Citi Bank has been calling me every single day for the last 8 months, and they need to stop. They are never going to see another dime from me, so they may as well give up. The money they're claiming I owe them is from disputes I had filed that they completely mishandled. Due to COVID-19 and the stores ' policies at the time, I could not help the fact that stores were not accepting returns for clothing, food, and anything sanitary-related ... I also could not help that restaurants I went to sucked and they could not get their orders straight, or that they gave me food that was horrible quality, etc. 

With many disputes I had filed, I showed supporting documentation of my claim, and they STILL denied my disputes, just because the merchants responded showing bill of sale! Zero of my disputes argued that I did not authorize the purchases. They all were filed under different categories. So basically, the merchants would respond to my dispute unaccordingly, completely dodging my reasons for disputing, and Citi would automatically find in favor of said merchant!! 

I'm glad they closed my account, because I was going to close it anyway as I refuse to do business with XXXX  ... The purpose of this complaint is for Citi to stop calling me. If they want me to pay off my so-called debt, then they can either transfer it to a collection agency or not. Either way, there is absolutely no reason to be calling me every XXXX day, every day for 8 months. And either way, they're not getting my money. I will dispute the debt to the credit bureaus if need be ... 

Also, a response from the company will not be necessary. Although I'm sure they'll be brazen enough to respond, and their response will not be read.

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