BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Discover company closed my credit card due to inactivity.

The account was in good standing and with around {$15000.00} credit line. 
The account was in active since XXXX XXXX. There was not even a single late or missed payment.

Due to the Pandemic, I paid out my pending balances in XX/XX/XXXX and since then kept this credit card as my emergency credit card in case I need to.

I logged in every month into my online portal and it showed me an available credit of {$15000.00}. This was a huge relief for my fami

ly of XXXX kids. However today when i contacted Discover
to reissue new cards for my account, i was startled and shocked to know that they closed my account due to inactivity. Obviously we were using my other credit cards to keep our expenses low during this  pandemic. 
Within 6 months of inactivity during this Pandemic, Discover deactivated my account. 

The fact that i called discover a couple of times, and logged into the online account did not count as activity. Even today when i log in, it shows a credit balance of $ XXXX which leads me to believe my account is active. 

Building a credit to $ XXXX o

n a credit card was a big thing and i was really looking forward to having this account active. Spoke to multiple people in Discover and they all denied reactivating the account and recommended me to open a new account, which would obviously not give me the same credit line that i had.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: CITIBANK, N.A.
State: AZ
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:
I do not recognize this inquiries, I did not give authorization to use my social security number to obtain this inquiry.

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 2020-02-02
Company: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been threatened and harrassed to the point of cruelty by COMMENITY BANK. I made payment directly to the store and they told me I had to pay them, then the harrassment began and won't stop. I have had to block close to 100 DIFFERENT numbers and robo calls that get though to my voicemail. Ive also received texts and e mails!!!! I'm going to finish payment but they call me while I'm working too. Help me please!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-02-02
Company: LEXISNEXIS
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: Public record information inaccurate

Complaint:
A bankruptcy that I did not do remains on my report even though no verification has been released or given. This is inaccurate and not within my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: EQUIFAX, INC.
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: Information belongs to someone else

Complaint:
It has come to my attention that the a collection company Innovative Recovery has added a collection that does not belong to me on my Equifax. I have spoken to them directly and they have verified with me that the information they have in file does not match my information given. I have never resided in the State of Texas, therefore it was a mistake from either the Credit Bureau or the collection agency to have wrongfully added it on my Equifax. I have filed a police report and have also opened up multiple disputes with Equifax that have been a waste of my time as they continue to deny them. I have lots of proof that the account does not belong to me and I have submitted them to Equifax also. My family of XXXX will become homeless of this does not clear off my credit. Please help me in any way you can. I have been disputing this as of early XXXX and my lease is already up. It is unfair that innocent people like myself have to suffer from both emotional distress, almost loosing my job, and becoming homeless over a mistake someone else has caused. I am able to submit all the necessary information you may need. Please help me once again to remove and or delete this off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
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:
Equifax and XXXX are incorrectly reporting a collection in the amount of {$16000.00} on the XXXX/XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) The vehicle was sold at auction and sold for more than the balance owed so consequently, there is not outstanding balance due and owing and therefore nothing to send to collections. This incorrect reporting of a collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these items however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Bridge It, Inc.
State: CT
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't contact lender or servicer

Complaint:
I am continuing to receive emails from this company asking me for make a payment plan when I have on several occasions requested that they cease all communication with me. they continue to send emails and in the past have made phone calls. The next step for me is to contact an attorney and file a lawsuit.

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 2018-06-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays XXXX XXXX XXXX XXXX-ending in # XXXX Mailed check # XXXX for {$94.00}, from XXXX XXXX XXXX XXXX on XX/XX/XXXX. The check was posted on XX/XX/XXXX. It was never credited to my account. I have talked to their customer service office about 7 different times. I have faxed a copy of the paid check, both front and back to 2 different numbers. The first one was to the customer service : XXXX and the second one to the comlaint department : XXXX. I have talked to managers each time to not avail. 
I received two different claim numbers : XXXX and XXXX. Each time I received a letter saying : We are unable to ccomplete your request at this time please contact us for additional details. I have done this each time. I was also told over the phone that nothing could be done. 
I have done everything they have asked me to do and nothing has been taken care of. There is a {$94.00} Provisional credit on my account, but the payment has not been credited. 
***I also made a bank transfer on XX/XX/XXXX which was credited. It was from XXXX XXXX XXXX XXXX. I did this because I did not want to pay interest. This was an entirely different payment. They have tried to tell me the first payment was credited, but it was not. 

I received another letter on XX/XX/XXXX, saying they could not complete my request. The paid check that I mailed them has the bank account and the bank my check was deposited in. 

They have basically told me that there is nothing they can do. My comment to them was that they have screwed me out of {$94.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-09
Company: EQUIFAX, INC.
State: TN
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 filed a dispute with Equifax and sent information in XX/XX/2019. I attached a letter from XXXX XXXX showing that the company had informed me of the removal of the false information they were reporting to the bureaus. I spoke with an agent in early XX/XX/2019 who informed me that the information I had disputed ( XXXX and XXXX XXXX ) was removed and that Equifax would send a Confirmation showing the deletions. After two weeks of not getting the response I spoke with an Supervisor at Equifax named XXXX ( Emp # XXXX ) over the weekend ( XX/XX/19 ) and he informed me that Equifax would not be sending the confirmation I had requested because the previous agent was wrong.. He said he would pull the call where this information was given out but could not say what the punishment of the agent would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Dear ShellPoint I spoke with you today again at approximately XXXX XXXX  With in two hours I received a forwarded email regarding questions about forbearance extension. 

Who is your legal team - is it the person that sent email today? 

Why is another person address on this letter? 

Does XXXX represent ShellPoint or XXXX XXXX XXXX  - as XXXX just sent email with ShellPoint letterhead dated XX/XX/2021 today. I am not in litigation against either ShellPoint or XXXX XXXX XXXX. 

I am ShellPoint customer and if XXXX XXXX XXXX is master service their customer as well. My question are regarding my loan. I am in proper for the record - I did not authorize any mortgage documents to go to any other party. 

Even when I was just in bankruptcy case ShellPoint never sent my mortgage statements etc to bankruptcy attorney unless she asked for specific information. 

I am asking questions on my behalf not for any other person.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-02
Company: ID Analytics, Inc.
State: NJ
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: Other problem getting your report or credit score

Complaint:
On 2 occasions starting in XX/XX/2019 via Sagestream Website and in XX/XX/2019, via certified mail, I requested that sage stream LLC put a freeze on my credit report and send me confirmation and they have not sent me confirmation. In betwee the time of XXXX XXXX XXXX XXXX have left numerous voice messages in regards to the matter but still no confirmation. 

I submitted the Proper copies and my Photo ID and well as copy of my SS card So for some strange reason Sagestream doesn't seem to want to honor my request. Help and assistance is needs to obtain my security freeze and security PIN

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-14
Company: Navient Solutions, LLC.
State: OK
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:
Over the past 5 or more years we have requested that Navient work with our daughter ( a single mother  of XXXX ) and us ( co-signers who are retired ) to buy some time and reduce stress so our daughter could eventually be in a situation to make regular payments on her student loans. We have made several regular and partial payments over a long period of time and yet continue being harassed by Navient with phone calls and with refusal to work with our daughter.

When we do ( which is rare ) answer one of their calls and request repayment based on discretionary income basis, etc. we are denied any assistance and get hounded about making full and immediate payment.

Our daughter is working hard to support her family but does not make enough income to make full, or at times, partial payments. My wife and I are both retired and social security benefits are our primary source of income for paying our bills, etc. We are confident that with time, our daughter will be able to repay what she can as she can but, Navient doesn't seem willing to work with her or us. They are rude over the phone and unresponsive to written communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
XXXX XXXX XXXX XXXX doesn't belong to me on all the 3 credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-09-09
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Experian allows the use of any username when signing up but only allows certain characters when signing it. If you have a character that isn't approved you can not log in to find out your data or make changes. They will tell you the username is invalid and then send you and e-mail with the same username and say it is your username but you can use it to log in. Communication via e-mail are ignored. The phone automated system will simply send you the invalid username and tell you to use 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 2019-09-09
Company: Ocwen Financial Corporation
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently transferred to PHH Mortgage Services on XX/XX/2019. Not only did I not receive any information from either processor about this transfer until late XXXX, but now I am unable to make my payments to PHH. I made a payment on XX/XX/XXXX for the XXXX due date ( I never make my payments that late, but was forced to do so due to neither party accepting my payment until that time ). Now when I try to make my payment online or over the phone for the XXXX due date I get a message stating that they are not able to take my payment. They do not have any of the correct dates of payment on their website and show something about a " payment rejected by bank '' for {$0.00} on my payment history - my payment has been cleared from my account since XX/XX/XXXX. I was told I could call back and make my payment today XXXX after " everything clears up '', but am still unable to make my payment! I feel I am being forced to make payments late due to them continuing to have processing issues and not taking my payment! I keep getting vague answers when calling the company like " give it one more day '' and " well you aren't late until the XXXX so you still have plenty of time '' - that is not the point! I want to be able to make my payment within the 1st week of the month and for it to be processed properly. This leaves me feeling uncomfortable and not confident in the company 's ability to service my loan. When you request to send a written complaint on their website the link does not work. I will also be contacting the media about this company and sending a written complaint to their managing committee. This is ridiculous that I am unable to make a payment and am being FORCED to pay late when you have had my loan for over a month now. You should have had the transfer completed in full by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-04
Company: BANK OZK
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
This is more information for case Id XXXX Upon speaking with Bank of Ozark the assistant manager told me that my colleagues contact information for his XXXX account was changed by her back office because of an upgrade to their system was taking place. So his contact info was once his phone number then it was changed to his email and {$1000.00} is lost in cyber banking. 
So all the banks related to this incident is claiming no responsibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14
Company: Guidance Alum LLC
State: CA
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:
On XX/XX/2021 I received a call from Guidance Alum stating that I was eligible for President Biden 's Student Loan Forgiveness Program. Because they had information that was relevant to XXXX, I thought the call was legitimate and authorized future loan payments. On XX/XX/2021, Guidance Alum deducted {$260.00} from my checking account ; however, no changes were made on XXXX and I was still expected to make a payment for the month of XXXX. On XX/XX/2021 I unauthorized future payments and verified with XXXX that Guidance Alum is a scam and I am to continue my loan payment arrangement with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-25
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
XXXX University ONLINE was closed and all previous campuses are now XXXX. I continuously try to reach out to customer service, can never reach them AND I can never log into my account. I receive notice that my password is incorrect. I request temporary ones and those to, hinder me from accessing. During my time with XXXX, I had an advisor XXXX XXXX - I do believe was his name - He assisted me and then was no longer professional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Dear Sir/Madam : I do have a current ( Pending Complaint ), CFPB # XXXX, against Select Portfolio Servicing , Inc., ( SPS Inc. ) that I desire to have dropped by CPFB. That complaint is/has been on-going since XX/XX/. 

I have now asked the Bankruptcy Attorney ( XXXX XXXX XXXX ), to handle any further issues involving the home/mortgage in dispute, that was Abandoned/Turned back into XXXX XXXX XXXX, in XX/XX/, and that IRS Form is attached to this request, along with a letter to XXXX XXXX XXXX @ SPS Inc., ( XXXX ) XXXX, Option. # 3. 

The issues are not complex, the home was abandoned in XX/XX/, XXXX XXXX XXXX, sent out an Appraiser in XX/XX/, an On-site Appraisal was done, Joint Photos of the Property were taken, as I had invested a lot of money into getting the home " Move-in Ready '', including Brand New Heat/Air, and the Home keys were turned over to the Appraiser. I contacted Beneficial Financial and XXXX XXXX told me that the home appraised out for more than the remaining Loan balance and that XXXX would cut me a check and issue a XXXX for the difference to me, once the " Deed In Lieu '' was approved, things went downhill from that point, but XXXX XXXX XXXX, did accept the Keys, and change the Locks to the home. 

According to IRS Publication XXXX, Abandonment is considered a Sale or Transfer of Property, either way with me having an Approved Bankruptcy Discharge, I had no Personal Liability, and XXXX XXXX XXXX, assumed Libabiliy for that home. 

Now, SPS Inc, purchased the Property from XXXX XXXX XXXX, and starts to send notice of Requests To Make/Pay Mortgage payments on Property that XXXX took possession on and owns, I promptly notify SPS Inc, that they need to send those notices to Beneficial, and sent them copies of the Bankruptcy Order. 

SPS Inc, continued, therefore I contacted my attorney and had him send the Bankruptcy Order and Schedules to SPS Inc., they still have continued to contact me, and so the attorney is now has the matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On or about XX/XX/ I went onto the XXXX 's website to manage my account. I entered a new payment source as I closed my previous checking account do to a merchant 's unauthorized charges. The new payment source included the new routing and account number. I then set-up a {$200.00} payment for a bill that required only a {$27.00} payment. The payment confirmed with reference # XXXX. At the conclusion of the transaction a message came up on, " We will verify this account and process the payment ''. That is not what occurred, instead, XXXX XXXX attempted to take the payment from the closed checking account. As a result, XXXX 's reversed the payment and charged me two ( 2 ) {$27.00} charges. One was for a late fee, and the other was for a returned check charge. I was also charged {$8.00} in interest which should not have been assessed. I received a call late the evening of XX/XX/ from XXXX XXXX indicating my payment was late. After he reviewed the history, he agreed this was their error and was supposed to reverse the fees and interest. Additionally, he reprocessed the {$200.00} payment under the correct account. Currently, XXXX XXXX has only refunded one ( 1 ) {$27.00} fee. I have not been credited the {$27.00} fee or the {$8.00} in interest that was charged. I have talked to several XXXX 's credit employees about this situation and was even told the correct {$200.00} payment is floating and has not been processed. My bank confirmed XXXX XXXX has not processed it through my account. This entire situation was the fault of XXXX 's not mine. The representatives are uneducated and unskilled, passing me others, On XX/XX/, I was left on hold and ended up on the phone with an hour trying to get this resolved. It still is not.

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