BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: SYNCHRONY FINANCIAL
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:
I check my XXXX credit report 7 days a week and continue to monitor it and there where two inquires with sync/walmart bank I didn't  authorize and I called syncormy bank and told them about it and they haven't done anything but would contact XXXX to have it removed and I also contacted XXXX ( the worst credit bureau) ... and the fraud dept haven't done nothing about it and each time I filed a complaint on this bureau they would reply to the CFPB ' HE IS A VICTIM OF FRAUD' That is so XXXX ..... and XXXX  haven't been removing some of the inquires off my credit report that are marked fraud and it shows that I have 12 of them and I should have at least 4 vaild inquires which are XXXX XX/XX/2019XXXX XX/XX/2019XXXX XXXX XX/XX/2019XXXX XXXX XXXX XX/XX/2019 walmart/syncb has two fraudulent inquires on XX/XX/XXXX twice

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 2017-08-09
Company: KEYCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
X/XX/17 - ACH Payment made thru XXXX XXXX for rent payments in the amount of {$200.00} and {$43.00} X/XX/17 - XXXX XXXX account shows payment applied. X/XX/17 - KeyBank available balance reduced by {$200.00} and {$43.00}, however transactions DO NOT appear, funds are simply " removed '' X/X/17  - Keybank available balance increased by {$200.00} and {$43.00} X/X/17 - XXXX XXXX receives returned funds and charges my account with 2 {$20.00} NSF Fees X/X/17 - Keybank claims account NEVER was reduced by {$200.00} and {$43.00} - no attempts to ACH ANY funds were ever made by XXXX. Claims I am incorrect and funds were NEVER removed.
X/X/17 - Attempt # 2 - {$200.00} ACH Payment made thru XXXX XXXX for rent payment in the amount of {$200.00} X/X/17 - XXXX XXXX  account shows payment applied. X/X/17 - Keybank available balance reduced by {$200.00} - however transaction DOES NOT appear, funds are simply " removed '' - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$1.00} X/X/17 - Available balance {$200.00} - {$200.00} ACH has once again been returned to account, Keybank claims no funds were ever removed from XXXX and balance on my account has been {$200.00} since X/X/17 - yet everyday I checked from X/X/17 thru X/X/17 - Available balance had the {$200.00} payment removed - no transaction showing as to who was holding it - and XXXX to charge another {$20.00} NSF Fee

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: NATIONSTAR MORTGAGE LLC
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
The lender has been provided sufficient documents for a decision to be made on the loss mitigation review - the docs provided give the lender more than enough information for them to complete the review, but they refuse to do so. the client has stated several times that due to the transfer of servicer 's that she can not obtain a mortgage statement on the property she lives in due to the new lender having to update there system- A new statement will be mailed to her on XXXX/XXXX/17, but the lender has been provided the statement the new lender has sent which shows the mortgage payment amount. - the lender also has a problem with the HOA statement provided because it is not from XXXX 2017, the statement is in fact from XXXX this. These are unreasonable request by the lender and they are not willing to complete the review.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I paid this debt in full with a written statement from collection agency stating that they would remove the account from my credit report. Here we are 8 weeks later and they placed the account that has been paid for back on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-08
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: Problem with personal statement of dispute

Complaint:
XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was transferred from XXXX to Nationstar about 3 - 4 months ago. I have been trying to close on my coop for about 2 months. My attorney has been requesting for over a month to have Nationstar attorney bring original stock / lease certificates so we can schedule a closing date. Nationstar does not respond to my attorney request. When i call Nationstar they keep telling me i have to pay my mortgage first, then they will release the stock / lease certificates to my attorney. I am about to lose my buyer due to their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-21
Company: CADENCE BANCORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Last Friday, I received an email stating State Bank was merging with Cadence Bank and our online banking was no longer available. I tried to use Cadence Bank 's instructions to access my account without success. I called Cadence Bank on Saturday morning ( per the customer service hours on the website which are not accurate ) and there was no one available to assist me. Monday was a bank holiday. I called the customer service line again on Tuesday. I waited 10 minutes and someone answered ( XXXX, I think ) and said they had IT issues and she would call me back. Nothing. I called several times on Wednesday and no one at customer service ever answered. I've had no access to my account for almost a week and can not pay bills via bill pay ( which are now getting late fees ), have no idea what is being debited from my account, and can not make online deposits. The XXXX XXXX branch tried to help me yesterday and can not and has me on a list of IT issues. I think it is unacceptable for a financial institution to have such disregard for it's customers and cut access to their accounts for this length of time without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Information is missing that should be on the report

Complaint:
My Kohls credit card was removed from my XXXX  report. I have have tried numerous times with both companies to resolve this. XXXX  told me in the last in XXXX and XXXX that they reached out to Kohls and they did not respond. It has affected my score for some time now. Its like talking to a robot. One company blames the other for the card being removed completely. Spent hours and hours on the phone making disputes in writing as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: VA
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:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2020-12-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery calls me multiple times a day from different numbers. I keep blocking them but they keep coming up with new ones. They are calling well under the two hour between calls limit and more than three times a day. Sometimes they are calling five to six times a day. The calls are coming in from an hour after the one call to sometimes right after they call the first time. Im done with this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Capital one debt collector called me multiple times XXXX XXXX2019 on the same morning at XXXX XXXX. I have a voicemail from them that I saved. I tried calling the number back and it does not accept incoming calls. I answered it the third time they called again at XXXX XXXX and they hung up on me. 

This is unacceptable! XXXX XXXX for a missed payment. 

Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company Convergent Outsourcing , Inc. been violating the law causing several damages to me difaming against me reporting an account with a different social security than the one that I have to my credit report. Please see the attached letter and documents

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 2020-09-03
Company: U.S. BANCORP
State: CA
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:
1. I am a XXXX XXXX vet with XXXX XXXX-connected XXXX XXXX. I care for my wife with XXXX XXXX XXXX XXXX. 
2. When XXXX hit, we were denied access to our medical problems and became mired in medical problems. Our tenant told us they lost their jobs and could not pay the rent. 
3. Our daughter-in-law requested Forbearance in writing on XX/XX/XXXX and XX/XX/2020, to start with theXX/XX/2020 payment. 
4. The bank started the Forbearance Plan in XXXX and reported the XXXX and XXXX payments as missed to the credit reporting agencies. 
5. When we asked for the Forbearance Plan to start in XXXX and to remove the report of missed payments, we were informed that we had not correctly followed the bank procedures. The Forbearance Plan would continue to start in XXXX and the missed payments would remain on our 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 monetary relief
Consumer complaint received 2020-01-21
Company: Merchants and Professional Bureau, 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 information incorrect

Complaint:
XXXX dispute number XXXX Federal law prohibits Medicare providers from billing beneficiaries who are enrolled in the QMB program for Medicare Part A and Part B deductibles, coinsurance, or copayments. 
If you erroneously bill an individual enrolled in the QMB program, recall the charges ( including referrals to collection agencies ) and refund any invalid charges he/she paid. 

Billing of QMBs Is Prohibited by Federal Law Federal law bars Medicare providers and suppliers from billing clients enrolled in the QMB program for Medicare Part A and Part B cost-sharing under any circumstances.

The QMB program provides Medicaid coverage of Medicare Part A and Part B premiums and cost sharing to low income Medicare clients.

QMB is an eligibility category under the Medicare Savings Programs and providers and suppliers may bill State Medicaid agencies for Medicare cost-sharing amounts. However, as permitted by Federal law, States can limit Medicare cost-sharing payments under certain circumstances. Regardless, individuals enrolled in the QMB program have no legal liability to pay Medicare providers for Medicare Part A or Part B cost-sharing.

Medicare providers who do not follow these billing prohibitions are violating their Medicare Provider Agreement and may be subject to sanctions ( see Sections 1902 ( n ) ( 3 ) ( C ), 1905 ( p ) ( 3 ), 1866 ( a ) ( 1 ) ( A ), and 1848 ( g ) ( 3 ) ( A ) of the Act ). 
PLEASE TAKE ACTIONS TO HAVE THIS REMOVED FROM MY CREDIT HISTORY AND I WANT TO PURSUE LEGAL ACTION AGAINST THE REPORTING AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
Experia

n has not fixed inaccuracies. Sent documentation from XXXX XXXX and Other 2 Bureaus are Correct on my XXXX XXXX acct. Why is Other bureaus accurate. Something is wrong with these clowns. My relevant document is attached fix now. once again will add document. Fix immediately or would take further legal actions per the FCRA.

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 2020-09-03
Company: CFS Holdings, Inc
State: AZ
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
I got a call from unknown number XXXX. I did not answer as I was at work. The number then called my boyfriend. I got on the line and a gentleman told me he was trying to serve me papers and was not sure what it was about but to call number XXXXI was not able to get to that number so called the XXXX back and told they could connect. This caused red flags as it was the same guy and he did not offer to connect me before. I was connected to a man named XXXX. He told me he was collecting for a debt I owed. I explained I was at work and unable to talk but could call back, XXXX told me he had to have me pay XXXX plus today or they would call my HR. I told him to do what needed to be done and the call ended. 5 minutes later XXXX called my work number XXXX. I advised that he could not call this number as it was my work number and they had my personal cell to call. XXXX said I could not tell him not to call. I asked if he was a collection agency and he said no. I advised that if he was a collection agency I have the right to tell him not to call my job, he said I sounded XXXX and asked me to transfer him to HR. I told him no and to verify my employment to use the work number. He asked if I had that number I told him no but he could XXXX it, I told him I did not know the employer code but if he went to the site and typed in the name he could find it. At that point XXXX screamed at me to transfer him to HR. I stated did you just yell at me on my job phone. I told him this call is being disconnected and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-03
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not respond with sufficient evidence of inaccurate reporting. Please be advised that this is my SECOND CFPB REQUEST asking EXPERIAN to remove the unverified accounts that remain on my credit report in violation of 15 U.S.C. 1681. You are required under the FCRA to have properly verified the accuracy of an account listed on my credit report. Please verify or remove from 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 2022-11-18
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:
Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-20
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:
I filed bankruptcy in XX/XX/XXXX • The bankruptcy was discharged in XX/XX/XXXX - when I began to review my credit report to make sure that all of my accounts were documented correctly I noticed that there were two accounts listed for XXXX XXXX XXXX. I only had 1 loan with XXXX XXXX XXXX not two - so that caught my attention, as I have had some identity theft concerns. However, my bigger concern was that the status for one showed “Debt Included in Bankruptcy “ which is correct as XXXX XXXX was included in my Chapter XXXX and the other XXXX XXXX XXXX account shows “ Charged Off “ with a first report date of XX/XX/XXXX. That’s 3 years after I filed for bankruptcy .. so I called both Experian and XXXX ( who more then a month later has yet to even acknowledge my dispute or sent me the credit report I requested over the phone.) Experian however filed a dispute sent me a copy of the results which now shows that disputed XXXX XXXX XXXX account was charged off in XX/XX/XXXX which is still after I filed for my bankruptcy in which XXXX XXXX was included as well as egregiously different then the date initially listed on my credit report .. XXXX XXXX XXXX changed my account number and then sold this debt to another company after it had been included in a bankruptcy • and then listed it incorrectly as a Charge Off on my credit report. The amount in question is $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 non-monetary relief