BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Freedom Mortgage Company
State: PA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Freedom mortgage took on my mortgage in XXXX of 2020. I have through the life of the loan and several servicers made payment on the XXXX of each month. 

Yet now for the month of XXXX I have received four calls asking when I intend to make payment. I tell them one, whenever I make the payment and two, I've always made payment on the XXXX. 

This is harrassment. I have never received calls before when I go into my grace period which is every single month. I also received several calls regarding a refinance which I had to tell the loan officer I wasn't one, interested and two eligible. So both situations would have answered their own question if they looked at my history on the account. 

I spoke with XXXX and his supervisor XXXX on XX/XX/XXXX and was told thet have to call every month because it's their guidlines. Then how come I've never received these harassment calls before? What's changed? He said it is a requirement from the financer XXXX XXXX. Secondly he said everyone who does not pay by the first of the month gets put on these auto dial lists. I find it hard to believe suddenly all of their customers are being harrassed to let them know when payment is coming each month if they take advantage of the grace period. 

I was told if I continue to pay on the XXXX of each month I will always receive this call. Or many calls if I do not give them a date. This is harrassment.

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 2018-05-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
TransUnion customer service would not help and take care of the negative inquiries reporting on my credit report. 

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX

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 2018-11-28
Company: GreenSky, LLC
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This concerns an unsecured personal loan ( disguised as a credit card ) with 10 year term, only for use with XXXX XXXX XXXX or other companies in that business ). The card is with GreenSky, and called a Program Loan Account. The issue I have is with GreenSky, NOT XXXX.

At the beginning of the loan term, I made an extra payment. This payment has never been credited to my account. I called within the first year, was asked " how many payments do you show making? ". I replied " fourteen '' The company representative replied " that's how many we show ''. Now in XX/XX/2018, 2.5 years later, I tried again by calling the customer service line, one day during the week of XX/XX/XXXX to XX/XX/XXXX. The representative said she would have someone call me within 48 hours regarding the issue. Finally on Monday XX/XX/XXXX, I received an email, not a phone call, from Customer Solutions. On XX/XX/XXXX, I called the listed phone number, it required an extension. I replied to the email that this information was missing. The representative, XXXX XXXX, gave me her extension, which I called right away. She did not answer, nor return my phone call. 

I called again this afternoon, spoke to another representative, XXXX. She had no grasp of the issue I had just kept repeating the balance shown on my account, though I explained that my issue is that the statement balance is incorrect. She offered just to send me a transaction history list. 

The bottom line is, this company shows on their statements that I owe {$100.00} more than I do ( I keep records in XXXX of all payments of principal and interest ). Trying to resolve this is fruitless and their customer service is no help and poorly trained.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: Absolute Resolutions Corp.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I was never notified of this debt, per 15 USC 1692 I was to be notified within 5 days. Per 15 USC 1692gf, unfair practices. No information given regarding debt. FTC Report filed and other reports filed. Unknown debt over 3 months now and no information given. Not sure who this company is and how I even owe them or ever entered into contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: OH
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:
It's now been over 120 days Experian has not resolved this issue. 

First Issue : Experian Lists a XXXX XXXX Auto Account inaccurately and I would like it removed because the way they continue to list it derogatory, to further decrease my score, after months of requesting updates and sending supporting documentation. Ive enclosed supporting documentation. Please NOTE : how Experian reports this account VS the other credit bureaus. The credit bureaus also have the payment history listed inaccurate as well. This account must be deleted! 

Second Issue : Experian reinserted an account on my report, without my knowledge and it's my understanding that violates Federal Law. 

Third Issue : Experian is the only Credit Bureau that's reporting a XXXX account that I have NO obligation to. I've been in contact with XXXX and they continue to harass me for a bill that's not listed as mine and they deny my request to provide more information regarding this account. I have no obligation to XXXX or the original 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 explanation
Consumer complaint received 2020-08-20
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Wednesday XX/XX/2020 I attempted to login to my chase bank app to check my account and was given a notice saying my account was restricted and to contact the company. I did and they informed me that there was a review on my account and they decided to close my account and end the banking relationship but would not give me a reason why. I explained that this may be due to a fraudulent company gaining access to my account and I needed to speak with someone and they told me they already gave me an answer and hung up on me. I also want to report the company I was working with for the loan. Cashcentral.com I have attached the emails I received from them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT
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:
On XX/XX/XXXX, I was notified by XXXX XXXX that Capital One had reported a delinquent payment on my account. I had never made a late payment and have had a 100 % on time payment history for all of my accounts. When I looked into the situation, the only information the Capital One customer service representative was able to provide was that I had made a payment that was {$1.00} short of the minimum, and that it was the {$1.00} that had been reported to the Credit Bureau. This, if true, was an inadvertent mistake. I had supposedly made a payment of {$520.00} instead of {$520.00}. No one informed me prior to the delinquent notice that I had made this mistake, despite Capital One 's claims that they put customer service first and notify you if anything is wrong with your account. I was told by Capital One that I could dispute the report by paying to get my credit report, hand-writing a letter, and providing multiple forms to show why I believed it should be corrected. This report about a {$1.00} late payment dropped my credit score by almost 100 points. Because this seemed like such poor customer service, I filed a complaint with the XXXX XXXX XXXX. I had another representative from Capital One contact me after this, but I was never able to speak with her directly, and she never returned my calls. Then she filed a response that she was unwilling to remove the delinquent report. I did not accept the response via the XXXX XXXX XXXX, and then called CFPB for support. This was approximately three weeks later. At this point, I logged into my XXXX XXXX account to provide information and noticed that by this point, the delinquent payment notice had indeed been removed from my credit report. I am very grateful for this. However, one week later, my credit score has not improved. I would like it returned to what it was before the unfair delinquent report. I am still very disappointed in the way Capital One handled this and in their poor customer service and lack of communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
USCB REPORTED 17 NEGATIVE COLLECTIONS ON MY CREDIT REPORT FROM XXXX THAT WERE CHARGES FROM 2011 AND I NEVER RECEIVED BILLS FROM XXXX. XXXX STATES THEY DO NOT HAVE OPEN PAST DUE ACCOUNTS IN MY NAME HOWEVER USCB THREATENING TO FILE A SUIT, CALLING MY WORK, MY EX-SPOUSE AND HARASSING CALLS AT XXXX AND AT XXXX ISN'T THIS AGAIST THE LAW? ...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1666B : A creditor may not treat XXXX  payment on a credit card account under an open end consumer credit plan as late fur purpose.

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 2018-02-21
Company: Caliber Home Loans, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I contacted Caliber Home Loans for a modification as I was having difficulties paying my mortgage because of a hardship. I received a trial plan which was increased my payment {$230.00} per month. I contacted Caliber Home Loans on three separate occasions with no explanation. My latest call to Caliber was yesterday and the single point of contact informed me that I would have to talk to XXXX XXXX to find out the how Caliber came up with the increased payment. The single point of contact also told me that if I could not afford my home to surrender it. I want Caliber Home Loans to tell me how they came up with the increased amount and perhaps work with me to lower the payments. 

Also, I have not received an explanation from Caliber regarding the Obama Hardest Hit Funds they received back in 2016 upwards of XXXX. I was advised that XXXX went towards the principle and that would lower my payment however that was not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
In XX/XX/2019, I opened a new bank account with a local credit union. I then set up several Synchrony bank-serviced accounts with the ACH for the new account. In every case, the first debit from my account was rejected by the bank. When I checked with my bank, they said it was because the company was trying to take the money out of my auto loan account, not my checking account. I then went into the accounts and set up the ACH account again, and made a manual payment ( they were on autopay ). After I set up the account a second time, the payment processed successfully, and several payments processed thereafter. This week, I received notifications from Synchrony Bank that they had closed my PayPal Mastercard and my Lowe 's card. They refused to accept proof that there was money in my checking account at the time of their rejected ACH, or to consider that there might have been a problem on their end. I believe they also closed my XXXX card, but I have not yet been notified of that by mail. In the case of the Lowe 's and  PayPal Mastercard accounts, they said they could not reopen the account, and that they could only " file a complaint. '' PayPalPlus Mastercard acct # XXXX

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 2019-05-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I have disputed unverified and unauthorized accounts with the credit bureaus and they have taken them off my 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 2020-10-14
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
my belk reward card was closed I didn't close it

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 2019-09-07
Company: Experian Information Solutions Inc.
State: TX
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:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.

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 2019-09-07
Company: EQUIFAX, INC.
State: TX
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:
All three credit agencies are discriminating me and not reporting my current credit debt, information, removing old accounts, not updating correct scores, and unprofessional behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: Ad Astra Recovery Services Inc
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-06
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I payed for the debt. I asked for a certificate of deletion showing that they would remove the debt. They said they dont offer that just saying my debt was Paid. Its still effecting my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was a victim of online fraud. I reported an unauthorized purchase for {$3300.00} on XX/XX/19 through XXXX to Chase Bank because the money was taken from my debit card account. I have messages of me asking the seller to cancel the order, the seller never answered back and sent me an empty package. I filled up a police report. I sent the police report, pictures of the package ( I also have a video of me opening the package ) and screenshots of the messages to Chase bank. However, they refused to give me that refund because they said that they had " evidence, '' I asked them to send it to me. I received a letter and the evidence they found was the tracking number. I had the tracking number from the beginning, but that is not evidence of anything. I did not purchase that computer on XXXX, and I also received an empty package. The pseudo company of XXXX is called " XXXX. '' Someone signed for that package, and it was not me or someone I know. The address they wrote was also different to my address. The seller ( XXXX ) is doing something completely illegal. My money was supposed to be safe there, but it was not. The bank is not helping me and instead is giving the money to a criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: EQUIFAX, INC.
State: AL
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 explained to the credit bureau that this information included in this identity theft report does not belong to me and I did not go to any company requesting credit or an account with these companies. The credit bureau told me to call the company that the inquires are listed for I did and they send me back to the bureaus. All of this information is making my report look bad and even worst part is I didn't do this. Please delete this information. I have tried to call and ask someone to looking into this but they all read the same script that this can't be removed, but how is that when the bureau is only supposed to report only correct information. Please delete the one account and the inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Apparently, my USAA account was closed due to fraud or account abuse on XX/XX/XXXX as reported by XXXX XXXX XXXX XXXX. I have attempted to reach out to USAA by certified letter on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. All of there letters have been return to me as undeliverable. I also called on XX/XX/XXXX and XX/XX/XXXX and was informed by the representative that they see my chapter XXXX discharged bankruptcy on file and that they were not aware of what XXXX XXXX XXXX XXXX was. USAA has made it extremely difficult to get answers. I have done nothing wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-07
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
I have been an American Express customer in good standing for 10 years now, and recently I found that my AmEx account had been marked as " delinquent '' for failure to pay late fees on a card that I cancelled almost a year ago that apparently had a small balance still left on it without my knowing about it. 

Given that I had other AmEx cards that I paid the entire balance on in full every single month, it was obvious to me that this balance on the closed account was allowed to continue to incur late fees because AmEx realized that I didn't realize there was a balance, so they let this go on for 8 months and held me responsible for hundreds of dollars in late fees on a closed account. AmEx claimed that they notified me via mail ( any other credit card company I have forgotten to pay a balance on has always called me ) but I have found zero evidence anywhere that they actually did. 

I have closed all of my accounts with AmEx, and paid everything I owed them in full including these hundreds of dollars in late fees that were added to the closed account, but I am concerned that this clear and obvious oversight that AmEx did not perform even basic due-dilligence in notifying me of as an account holder in good standing for a decade with them, has hurt my credit though I always do my utmost to pay all of my bills on time. You can not pay off what you don't realize you even owe, and obviously someone with my credit history with AmEx shouldn't have been torched by them this way. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation