BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-03-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XX/XX/XXXX Closed Statement was never received due to a change of address. Notification was file with Postal Service and mail was not forwarded by post office.

XX/XX/XXXX Closed Statement was not received from post office. Late fee of {$26.00} was added.

XX/XX/XXXX Payment was received and another {$10.00} late fee was added.

++++++++++++++ I call you by XX/XX/XXXX mentioning that I was unable to access my account online. You told me that a new password will send my mail. I gave you my new address and requesting you to mail me a copy of my statement so I can pay for it.

I mailed you a copy of my notification to postal service and also a letter on XX/XX/XXXX asking to wave this late fee.

On XX/XX/XXXX I received your letter with a {$25.00} credit. I sent you an online payment of {$63.00} on XX/XX/XXXX.

The way that your accounting is done, is very confusing to the customer.

And today XX/XX/XXXX, I received another statement where it show the credit of late fee, and charging again this {$25.00} late fee with an additional {$10.00}.

For a purchase made for an amount of {$36.00} with all late fees is costing me more than the original purchase. 

I will not buy any XXXX product unless they replaced you and to get my credit back. 

As I said from the beginning, I have nothing to do with this confusion. Change of address was sent ton postal office, no mail came and even after I called requesting my statements.

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 2021-09-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I mailed Credit Bureaus a letter disputing inaccurate information on my credit report over a month ago and in response I received a letter from them firm stating the ID I submitted was insufficient to verify my address and identity. 
The identification I submitted is sufficient according to their guidelines and I demand that they examine the enclosed documents more carefully this time. I have also included my original letter for your convenience in this envelope. 
The disputed items must be investigated. 

1. The following accounts has wrong balance : XXXX Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.

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 2021-09-06
Company: WELLS FARGO & COMPANY
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
To Whom it may concern : I submitted three dispute letters certified mail acting in good faith, showing delivered on XX/XX/XXXX and another one on XX/XX/XXXX. I disputed this account and the inaccuracy of this fraudulent account on my credit report. I asked Wells Fargo for my verified signature and how they validated this fraudulent account and all the corresponding information. No response for the second and third round of letters. I asked them to investigate this account and to delete immediately from my credit report. It's been over 45 days with no results or response. I also uploaded documents of my police report from XXXX and drivers license confirming my identity. I have been a victim of Identity theft twice in XXXX and XXXX. I did not consent to, authorize nor benefit from the following account. Please block and remove from my credit report. They have violated multiple laws and I would like for this to be resolved immediately. Please see attached a copy of all of my supporting documents. This is very Frustrating.

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 2021-02-22
Company: Bread Financial Holdings, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I have attached a letter that will explain my situation. The accounts that I am disputing are. 
I am disputing the accounts and inquiries as an internal dispute. Also Im disputing the inaccurate accounts and inquiries that you are reporting on my credit file as an affidavit as well. Please be aware that I await your response and if you send me any verified letters I wont hesitste to reach out to litigation and take legal actions against your company for violating my rights and The FCRA. I am allowing 72 hours due to the fact of improper and unprofessional business ethics.

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 2021-09-06
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am XXXX XXXX and I'm submitting this complaint myself and there is not a third party involved. I've tried to rectify issues on my consumer report with the Credit reporting agencies and have not had any luck getting it done. I've attached letters I've sent to them and got NO response. please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-18
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
My daughter has some private student loans with NAVIENT and we need assistance please. Im sure youll find this ridiculous and thats okay but we are petitioning to have her loans reduced, partially forgiven or ANYTHING that will get these ABSURD balances down. Ive checked the original amount of the loans and then looked at what the balances are now she isnt making ANY HEADWAY at all and has been making payments for EIGHT years. And your folks are telling her that her monthly payment will eventually need to be around {$1200.00} AND that she needs to make payments for another 28 YEARS!!! That is the most absurd thing Ive ever heard. Its like paying off a house! She only brings home just over that amount and she cant even live out on her own BECAUSE of THIS! 
Shes been working with your company IN GOOD FAITH she stays in touch ALWAYS makes her payments. Shes qualified for interest rate reduction in the past and has to requalify again and again - then as soon as the qualification runs out you people raise her payment AGAIN! Its ridiculous. I want to know WHO can get this rectified. As XXXX  Mother I WILL NOT STOP until we get this to a reasonable and manageable point for her. She is MOST willing to pay you but you make it IMPOSSIBLE and its  just nuts. Youre predatory and I know you have MANY pending lawsuits against you right now with the CFPB for for systematically and illegally failing borrowers at every stage of repayment. And I fully understand this You are STEALING money from young folks who are trying to have a LIFE. My child wants a LIFE she wants to be able to buy a house even LIVE IN AN APARTMENT on her own but because of Navient shes held back. And I just will not stand for it anymore. MY CHILD DESERVES A GOOD LIFE without the PAIN and FEAR of these ridiculous loans staring her in the face. Think about how YOU would feel if this were your child. She went to college to better herself and make a life for herself - NOT to be dunned and dogged by the likes of Navient for the next 30 years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-05
Company: DISCOVER BANK
State: NY
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: Problem with personal statement of dispute

Complaint:
ON XXXX XXXX OF 2017 AS OF EASTERN TIME XXXX XXXX, AS A CITIZEN OF THE UNITED STATES AND XXXX TRIED TO OBTAIN A CREDIT CARD WITH DISCOVER. A REASON IN WHICH I FIND TO BE OBNOXIOUS SEEMS THAT THEY HAVE DECLINED ME DO TO CREDIT BUREAU INQUIRIES WHICH I FIND HIGHLY UNTRUE DUE TO THAT I HAVE N'T REQUEST FOR A CARD SINCE I JUST TURNED OF LEGAL AGE. ANOTHER ISSUE IS THAT WHEN SPEAKING TO AN AGENT OVER LIVE CHAT SPECIFICALLY AGENT XXXX CLAIMED TO HAVE APPROVED ME, I PROVIDED THE DOCUMENTS NEEDED, I HAVE TOLD THE AGENT I WANTED THE CARD EMAIL TO MY WORKPLACE SO HE ASKED FOR DOCUMENTATION WHEN I TRIED TO FOLLOW, IT SEEMED AS THE LIVE CHAT HAD ENDED. I THEN WHEN ON TO ASK ANOTHER AGENT AND THE AGENT WAS VERY UNHELPFUL AS TO GIVING ME A REASON WHY ONE IS DECLINING ME AND THE OTHER APPROVED ME AS WELL WHY HAVE ME SUBMIT ALL OF MY PERSONAL DOCUMENTATION. I FEEL AS THIS HAS BEEN A FREUD ON THE BEHAVE OF DISCOVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: Statebridge Company
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX my loan was sold to Statebridge company, LLC.From the day 1 have problem with this company.People in customer service can't answer on simple question and every time when I call and speak with representative I get different answer. 

In XX/XX/XXXX from escrow account was paid county taxes $ XXXXIn XXXX I seen that I still owe county taxes and amount bigger than previous what I paid. I called to customer service and I didn't receive reasonable answer.In XXXX the story repeated.I still owe county taxes with bigger amount.The last drop was when I received Escrow Statement .In this Statement shown I owe {$3900.00} and this amount will pay in XXXX and I have shortage in escrow account $ XXXXMy monthly payment will increase on {$200.00}. The new payment start in XX/XX/XXXXHow it can be!!! The county taxes pay 1 time in a year and I already paid!!!! .I called to Customer Service , nobody could explain me and not transferred my call to Escrow department , I wanted to talk to representative who make this statement, because he or she looks such incompetent person.I told to Customer Service representative that the Statebridge Company owe me money, because it will overpay in my escrow account.For this big issue I want the Statebridge Company review and fix this wrong escrow statement and cancel my escrow account, I want to pay my taxes and insurance by myself without be upset and nervous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: AES/PHEAA
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
in XX/XX/XXXX I filed for bankruptcy due to medical conditions. I was in meeting with the U.S. district attorney where I was informed that I was eligible for up to 5 years of hardship/medical deferment before they can look at a possible discharge. Since that date I have made sure to renew my hardship deferment status each year. I registered all of my loans in XX/XX/XXXX for hardship deferment and was granted it. According to the Student loan data base this loan was placed in repayment status on XX/XX/XXXX by American Education Services ( further referred to as AES ) removed one of my loans from deferment and placed it in payment status. I was not notified. I received a phone call from a collection agency stating that AES had placed this loan in default on XX/XX/XXXX. At this time All of the other 7 loans are in hardship deferment but when I tried to discuss this with the individuals I spoke to in their customer service division they stated that I would need to pay the entire {$31000.00} now. I have 5 different XXXX XXXX and XXXX XXXX children. My medication alone is $ 300-400 per month and I have to pay for child care for my children during the summer that I have to save for during the school year. I do not qualify for any state assistance as I am a XXXX XXXX. I 'm trying to work as long as I can and have been an employee in XXXX XXXX my entire career. I barely make enough to take care of my kids and I am struggling to pay for my medications. This company has never worked with me in the past and how, when I have 8 open federal loan accts, how are 7 in deferment and in good standing and this 1 not be? 

I need help dealing with this company because they have yet to work with me in getting thing situated. This loan should not be in default. It is supposed to be on hardship deferment until XX/XX/XXXX. I know that is n't that far away but this should n't get this far to begin with. 
Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-08
Company: Convergent Resources, Inc.
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: Their investigation did not fix an error on your report

Complaint:
XXXX I disputed XXXX XXXX XXXX XXXX and they're multiple items double billed and same with XXXX 16 on XXXX and nothing has been removed also the these creditors were as sent requests asking to verify items with no response XXXX finialy removed 3 today after the disputes were closed and me calling them a stating they broke federal guidelines for fair reporting but several things weren't settled with all three major credit reporting agencies

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 2020-05-08
Company: CITIBANK, N.A.
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 status incorrect

Complaint:
Macy 's # XXXX Ex Girlfriend had put me on the account as an authorized user without my knowledge. It is now on my credit report, and keeping me from buying a home with my 3 kids.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I was in forbearance due to COVID-19 with MyLoanCare for my mortgage and anticipated exiting in XX/XX/2020. I set up a payment arrangement for my payment plan to get caught up and made a {$2000.00} payment at that time. I was told that I would receive a packet in the mail that needed to be signed. I never received a pack but called and made another payment manually. They said they would send out another packet to enter the plan. Again, I never received the packet. Since then I have called and e-mailed multiple times about my plan and have tried to make a payment, but have been unsuccessful. I finally received a letter today saying that they were going to start foreclosure proceedings. I called and was able to speak to a representative, however, they have no record of my repayment plan or payments and said that they reported me to the credit agencies ( the agent was " XXXX '' # XXXX XXXX. I am fully prepared to pay a large portion of what I owe. I just need to be able to make a payment! Please help!

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 2018-10-09
Company: EQUIFAX, 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: Account status incorrect

Complaint:
XXXX XXXX XXXX is currently reporting on my Equifax credit report as a secured loan. This is not a loan it is an XXXX XXXX ( XXXX ) account. Additionally, this account is showing as delinquent in XXXX, XXXX, and XXXX. However, the annual XXXX fee was paid on XX/XX/2018 in the amount of {$500.00}, which is the due date for the 2018 XXXX. I am not sure where the alleged past due amount ( {$170.00} ) is coming from. The only balance I have with the XXXX is for fines related to a dispute regarding covenant violations. As outlined in the new rules under the National Consumer Assistance Plan, the credit reporting company should not report debts that did not arise from a contract or agreement to pay. That is the case with this account. I have attached supporting evidence to show that the XXXX annual fee has been paid and additional discussion with the XXXX attorney/company disputing the fines.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-24
Company: Experian Information Solutions Inc.
State: NY
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:
Experian accused me of not submitting my own complaint, and did not look into the fraud items

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 2021-02-12
Company: Netspend Corporation
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Problem with a check written from your prepaid card account

Complaint:
Good day, I bought a netspend prepaid card from XXXX, worth {$200.00}, on XX/XX/XXXX, prior to buying the card I made sure it was passport user friendly, once I loaded the card it demanded for a social security number, I decided to contact netspend for assistance. They asked for my documents such as Id billing address and I sent it out to them. A few days later I realised they couldnt help me and therefore I requested a refund, that was said to be processed on the XXXX of XX/XX/XXXX XXXX, XXXX, ( customer specialist ), XXXX, XXXX and many more have not assisted yet send the same email back to me telling me the cheque was sent out and it would take 10 working days. They refer me to the automated machine which will not allow to speak to a customer representative, when i email and tell them it does not work. Once I emailed them telling them I will report this to consumer finance, they responded ( XXXX in particular responded ) by email saying the cheque was sent back on the XXXX of XXXX which is today. I have not received anything from them, and therefore I do not understand why they would say I returned the cheque when I have been waiting it for the past month. Clearly something is not right, and they do not seem to want to send my money back. Please assist me with this issue.

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 2018-04-09
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Contacted the company regarding apparent debt starting in XX/XX/2017. No  contract with this business to collect a debt from me. I've reached out several times and asked this agency to validate the debt along with documentation from the original creditor with no response. I sent validation letters via certified mail to ensure that they would be received. This company is causing me financial hardships as it is reported to my credit monthly which is making it difficult for credit worthiness. I would like this item to be deleted off my credit report in fairness of my rights with the laws and regulations of 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 2018-10-09
Company: Shellpoint Partners, LLC
State: MN
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Just now, right after XXXX my time the company called about a mortage ( in an attempt to collect a debt ) that should actually be on track payment wise ( I have my bank automatically send payments to the lender ) Again, it was after XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: PNC Bank N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Hello, I received a piece of mail from PNC bank personally addressed to me, offering a {$500.00} checking reward bonus after signing up and meeting the stated requirements.I have the piece of mail saved and scanned into PDF form ( attached ). 

I signed up exactly as instructed and chatted with a PNC agent to verify that all my application was complete and eligible for the mail offer. I then completed the requirements that were stated in the time frame required. PNC has not fulfilled their end of the agreement in paying the stated checking bonus. I have not heard anything back from them about this issue. Thank you.

Company response to consumer: Closed with explanation