BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-02
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Account information incorrect

Complaint:
I moved several times and was not getting my statements. Each time I moved I updated my address, and still never received payments. I want to pay off the debt, and want the late payments removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied today and was denied. XX/XX/2019. And also applied for other cards like discover, XXXX XXXX XXXX. XXXX XXXX XXXX emailed me to apply again because the decision might be different and than. I need a credit card For making big purchases like clothing or shoes for my kids I am a single mother with one income and only getting child support from one of the days which is only XXXX a month. Also for emergency like medicine for them or gas. I have a job working at a XXXX XXXX XXXX and going online for schooling. So I am trying my best.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-20
Company: NCC Business Services, 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: Public record information inaccurate

Complaint:
Account Name : : NCC BUSINESS SVCS INC,XXXX ... I have a judgement on my account for ( eviction ). One was just placed on my account Overview You've paid off 0 % of your collection amount. Balance {$1800.00} Highest Balance {$1800.00} Opened XX/XX/XXXX ( 3years 5 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX ( XXXX ) XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything. I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which this one have not. I am requesting this one judgement be removed indefinitely. I have contacted the credit bureau and disputed these as well with no resolution. ( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-24
Company: Experian Information Solutions Inc.
State: OH
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:
The credit bureau is reporting inaccurate information to my credit report. I sent in a dispute letter to them on XX/XX/2021. They still have not corrected the mistake.

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 2020-01-21
Company: SYNCHRONY FINANCIAL
State: CA
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 had a JCPenny account, and fraudulent activity was done under that account in the year of 2019, I was never notified or sent a statement for me to realize it was fraud. I just recently received a phone call that I owed them XXXX and it would be sent to collection. I have called and gone into the store of JCPenny with no avail. I get nowhere with them I have even asked for the statements from them to see where the transactions were made but they wont release 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 non-monetary relief
Consumer complaint received 2018-10-25
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Local VA clinic sent me to XXXX Hospital in XXXX, Florida. They assured me that the VA would pay for it. Now I am being advised by credit agencies that two doctor bills and a hospital bill are unpaid and they are ruining my credit. My rating has fallen over 150 points in the last two months! HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-25
Company: CITIBANK, N.A.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for a Citi " secured '' Mastercard due to trying to rebuild my credit. I was notified on XX/XX/XXXX by mail that my application was declined ( received letter on XX/XX/XXXX ). The reason for the decline was listed as " Your previous or existing account with us has a history of late payments ''. I contacted Citi bank on XX/XX/XXXX and spoke to 2 different female customer service reps ; after trying to guess a former address of the previous account, it was discovered the account was from XXXX ; and additionally I filed Chapter XXXX Bankruptcy in XXXX. This " previous account '' is 17 yrs old ; and it is wholly improper for a bank or any lender to base their application process on such an old account ; especially since this was an application for a " Secured '' card, in which the credit limit is equal to the deposit of {$200.00}. I was told several times by the 2nd associate that a " secured card is for people trying to REBUILD credit '' ; the very thing I am trying to do. Every lender has a right to deny an application ; but the process should be an unbiased and equal lender to all consumers. Having based this decision on this old account, especially one that can no longer be collected on or reported on a Credit report is not within the law or the " Equal Credit Opportunity Act ''.

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 2018-08-01
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
For past several years I have applied for IBR. It requires renewing on an annual basis. I submitt required paperwork, and in followup conversations Navient reps tell me they are processing my request. However, many months into the application process they tell me to file forbeareance or hardship, because they say they still have not processed my request for IBR and will get back to me.

By the time I am granted IBR, it is already time to renew IBR, or it is never processed and they have no record I applied.

Thus my complaint is as follows ; they steer me away from IBR, by delaying my application process for IBR toward forbearance. Navient is not transparent about why the IBR application process takes so long or why at times it is never processed and will not fix the problem after many attempts on my part at communicating the problem to them. Navient has never made an attempt to expedite my IBR request and seems ignorant or clueless about why they can not process my request.

I have never been granted an IBR in a timely way. It takes longer then 2 months, sometimes 5 months to process an IBR, if at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: John C. Heath, Attorney at Law, PLLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
I hired Lexington Law Firm to remove questionable and negative items from credit report and paid up front and they never performed work or promises and ask for more money

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: FORD MOTOR CREDIT CO.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Negative mark for late payment of 30 days fr Ford Credit. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker inXX/XX/XXXXdid not show this delinquency. I had a 36 month auto loan with Ford Credit ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX XXXX XXXX van we obtained sometime inXX/XX/XXXX. Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that Ford Credit was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of Ford Credit, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau XXXX It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-25
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last year I received a notice from XXXX XXXXXXXX XXXX on past due balance. I called them and asked what this was for. Although, there was a language barrier with the rep and she didn't seem to want to listen to me only wanted to collect the balance owed, I told them to please send all statements regarding this account and contract with my signature that I signed an agreement for this account. They informed me that it was opened on line. I told her by allowing someone to open an account on line without my permission and not verify with me, this was not a valid debt. I never received anything from them, no notices and or calls so therefore I thought they handled the matter in question. When reviewing my annual credit report, I noticed XXXX XXXX charged off the balance and placed derogatory information on my credit report as well as sold the debt to XXXX XXXX XXXX and they inserted a collection account, without validating and without notifying me. I disputed the accounts with XXXX and the result was the debt was validated. It was only validated because they had my personal information without my consent, but did not validate any of the information with me. I contacted my State of Michigan attorney generals office and they informed me that XXXX XXXX XXXX is also dba Resurgent Capital Services. Neither company has a license in the State of Michigan to collect in the State of Michigan. Collection Agents/companies must be licensed in the State of Michigan to pursue a collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Negative mark for late payment of 30 days fr XXXX XXXX. I learned about this lately from XXXX XXXX online with XXXX XXXX. But XXXX XXXX 's Credit Tracker in XX/XX/XXXX did not show this delinquency. I had a 36 month auto loan with XXXX XXXX ( co borrower with my husband XXXX XXXX ) for a XXXX XXXX XXXX and XXXX XXXX we obtained sometime in XX/XX/XXXX.  Amortizations were automatically debited from my Checking account/credit card with the understanding that we will be informed of any issue or problem the company may have in accessing the account within several days from due date, so that we could just pay the monthly amortization online in their website. We were not informed that XXXX XXXX was not able to access the account for that specific month. The delay was not our fault. It may be due to technical reason/s on the part of our bank or on the part of XXXX XXXX, but the clerk /personnel who handled the account was just too eager to report the delay of about 30 days to the Credit Bureau . It was no big deal at that time, issues were clarified, loan was fully paid, account closed, title issued and that had been for about 5 years now. Unfair that a 1 time delay of this nature would even show up in my credit report. Please help me remove this fr my records, in the interest of justice and fairness.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-01
Company: CITIBANK, N.A.
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citi Bank had an offer that on opening a new account and depositing {$15000.00} or more within 30 days and maintaining the balance more than {$15000.00} for 60 days ; they would give {$400.00} bonus and it will be added to the account within 90 days after all the requirements are fulfilled. 

I opened the account around XX/XX/2018 and deposited more than {$15000.00} on XX/XX/2018. I maintained that balance for more than 60 days ( for more than 5 and half months as of now ). So, I have fulfilled all the requirements of the offer and Citi bank has also confirmed that. I should have received {$400.00} before XXXXXX/XX/2018. However, as of XX/XX/2018, I still haven't received the {$400.00} bonus amount. 

I contacted the bank multiple times and have opened a ticket for more than 2 weeks now as well and they still haven't resolved the issue or provide any further update on the issue. They still don't have a clear timeline when I will receive the bonus amount.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, XXXX  Transunion, and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XXXX XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

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 2018-11-01
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/2018 my lawyer sent a complain to Experian regarding a collection item listed on my credit report from XXXX XXXX. In the letter, they explained why the item is not valid and that it should be deleted and investigate. Experian then wrote me a letter stating that they have removed the item from my credit report but after a few days, I received an email notification stating that the item has been listed on my credit report and this came without any type of explanation from Experian stating why the item was re-listed on my credit report or a summary of the outcome of the investigation that they conducted with the original creditor 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 2020-11-15
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I began to fill out application and it auto applied for me based off my Amazon account. This had the wrong details because Ive had a legal name change. 

When I went to call the credit company they were insanely rude. Kept talking over me. Insisting I was wrong. Calling me by the wrong name. Hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-18
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I am extremely disappointed with purchases I made with XXXX this summer. I'm not dissapointed with the customer service -- the sales engineer genuinely did his best to find the right equipment in my budget. I'm not disappointed with the equipment -- the gear was exactly what I wanted. I'm disappointed with my 48 month financing through XXXX and Synchrony Bank. 

My monthly payments were advertised as less than {$50.00} with no interest. I could pay it off within 48 months. I appreciate having the equipment I need to do my job immediately. I would even agree to pay more over time for the ability to have the equipment I need right now. That's why I jumped on the opportunity to pay over 4 years with no additional charges. And then my first bill from XXXX was {$75.00}. 

I figured I was paying for extra charges up front and then my bills would be reduced later on, but I have bills for {$75.00} or more every month. I pay roughly {$45.00} on my balance each month, and then I pay an additional {$30.00} of fees. I did not know about these fees or the amount until I received my first bill. I'm charged {$38.00} for late payments with no grace period. Monthly, on average I'm paying exactly 2/3 of what should be owed on my balance on additional fees. On bad months, I could be paying 151 % of my balance payment in fees. I will pay {$1400.00} over four years in fees alone. My original balance owed is less than {$2000.00}. It's difficult to communicate just how disgusted I feel. 

XXXX is a company that, on its face, values its customers. They are famous for their sales calls. Most music professionals and hobbyists I know have only the best things to say about XXXX. For a company with this reputation to offer credit with these exorbitant hidden fees is both deceptive and exploitative. I will never buy from XXXX again. I will make sure my friends, students, clients, and audience never buy from XXXX. 

Synchrony bank is absolutely gouging its customers with fees. What I am paying in fees is such a high percentage of the balance owed that I feel they are simply running a scam and exploiting people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-01
Company: LoanCare, LLC
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have addressed this to both XXXX and to LOANCARE and neither has cooperated with my requests. 


My issue is simple. I want to get a monthly statement on my mortgage paydown. This ceased some months after XXXX pushed my mortgage to LOANCARE. I was doing a fast paydown on my mortgage when XXXX pushed my mortgage to LOANCARE. 


Here is the traffic of email that I have had with both XXXX and LOANCARE during the past 6 months. XXXX has done nothing to help. LOANCARE initially helped but then has done nothing to fix their website to function. I can not see if my payments are being tracked, I can not see my balance, and I have no security to know that my mortgage is being paid down as per my instructions. 


-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - To Subject Sent Size XXXX ' ; XXXX XXXXXXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) Sat XX/XX/XXXX 87 KB XXXX RE : Acknowledge : RE : Payment Received { ( Ticket # XXXX ) XX/XX/XXXX 73 KB XX/XX/XXXX XXXX RE : RE : Payment Received ( XXXX ) XX/XX/XXXX 67 KB 'Issue Resolutions ' ; 'XXXX   XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX XX/XX/XXXX 102 KB Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXX XXXX   XX/XX/XXXX 104 KB  XXXX XXXX FW : RE : Payment Received ( XXXX ) XX/XX/XXXX XXXX XXXX Issue Resolutions ; XXXX XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 102 KB 'Issue Resolutions ' ; XXXX RE : [ External ] RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX XX/XX/XXXX 97 KB   XXXX RE : Resolution Email for Concern Id XXXX - XXXXXXXX XXXX  XX/XX/XXXX 79 KB XXXXXXXX, XXXX XXXX, Ms., XXXX, XXXX/XXXX-XXXX  RE : Question on Loan Care Website and Personal Loan Status XX/XX/XXXX XXXX XXXX XXXX Question on Loan Care Website and Personal Loan Status XX/XX/XXXX 53 KB   XXXX CUSTOMER SERVICE PLEASE XX/XX/XXXX 53 KB  XXXX RE : Payment Received XX/XX/XXXX 59 KB  XXXX RE :   Payment Received XX/XX/XXXX 55 KB -- -- -- -- -- -- -- -- -- -- -- -- XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Recently I communicated on XX/XX/XXXX and then again on XX/XX/2018. Neither XXXX nor LOANCARE has responded to my requests.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-02
Company: EQUIFAX, INC.
State: TX
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:
On XXXX XXXX, 2017 I sent certified letters to all three credit bureaus, Equifax, XXXX and XXXX requesting removal of unauthorized inquiries. They returned a letter stating they would not remove them and I needed to contact the creditor directly. I again on XX/XX/XXXX mailed all three bureaus letters requesting them to remove the inquiries and I also included a copy of my police report from my fraud/theft claim as someone had stolen my identity.

Company response to consumer: Closed with explanation