BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-25
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
Synchrony Bank reported that the account was past due ON THE DATE that I made the past due amount ( which technically the payment was scheduled beforehand ) - X/18/2018. The fact that they reported this after or on the day that the account was no longer delinquent expresses vast incompetence on their part and an intentional yet destructive abuse of the reporting system. 

If Synchrony does n't reverse this, I will seek damages as a result of their false reporting. I also know of other members who have reported the same issue with this bank and we are collectively in the beginning stages of considering a class action lawsuit. Cardmembers take false information very seriously, and it will not be tolerated, no matter who you are or what you represent. 

Regards, XXXX 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 monetary relief
Consumer complaint received 2017-12-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 received a letter stating that someone tried to get credit at XXXX/XXXX.This was an unauthorized attempt.

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 2019-05-15
Company: Shellpoint Partners, LLC
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Since I emailed the following, Ive spoken to lender. Per point of contact, they refuse to negotiate on the interest rate. If they would lower the interest rate, it would be more in line with what I was told before applying for remodification, and more affordable. 

From : XXXX XXXX <XXXX> Date : XX/XX/2019 at XXXX XXXX EDT To : XXXX Subject : IMMEDIATE RESPONSE NEEDED RE : LOAN # XXXX ; LOAN MODIFICATION ; Dear Shellpoint Mortgage Servicing ; I received the Loan Modification Agreement packet today, XX/XX/2019. I've had a chance to review it, and I have to say that I'm very concerned/shocked at the terms stated. 

Here are my concerns and unacceptable terms : 1 ) The purpose of the modification was to lower my monthly mortgage payments since I'm now widowed. I was told by my previous Point Of Contact ( SPOC ), XXXX XXXX, that a modification would lower my mortgage payments. This agreement states they'll be higher. 

2 ) My late husband is still listed as Non-Obligor on the agreement. I'm not sure of the significance of this. Please advise. Per your request, I've sent you a copy of his death certificate twice : once with the application for loan remodification ; and a second time via FAX # XXXX. 

3 ) I have a current interest rate of 3.75 %. This remodification agreement has gone up exponentially to 4.625 %! It is unacceptable to 1 ) increase my interest rate, and 2 ) if this is due to credit score, XXXX XXXX told me that any drop in my credit score due to death of my husband or my finances has no bearing on this remodification. The current average 30 year fixed mortgage rate of 3.75 % to 4.05 % is substantially less than what you've stated on this agreement. 

****This new agreement must at least match or slightly increase on what I'm being charged now : 3.75 %. This will lower my payments. I feel as if I'm being taken advantage of as a widow, and of my circumstances. After all, lowering my monthly payment was the main purpose of going through this arduous ordeal. 

4 ) The trial period plan stated that my first payment under the new remodification would be in XX/XX/2019 which was reiterated via phone call with my SPOC. This agreement states the first payment will be due in XX/XX/2019. 

Please get back with me just as soon as possible to remedy the concerns as I have to get this monthly payment and interest rate lowered. 

Thank you for your prompt attention to this very important matter ... .. 

Sincerely, image1.JPEG XXXX XXXX XXXX XX/XX/2019 cc : Consumer Financial Protection Bureau , XXXX XXXX XXXX, XXXX IA XXXX ; Bureau Of Consumer Protections , Federal Trade Commission , XXXX XXXX XXXX , XXXX, Washington DC 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 2019-07-10
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, PHH took over our mortgage from Ocwen. Ocwen deducted {$800.00} on XX/XX/XXXX from our XXXX XXXX  checking account. Of that amount, Ocwen sent PHH {$650.00}. They are now saying we owe them {$140.00}, which they say is a " suspended balance. '' The full amount was deducted and Ocwen is responsible for sending PHH the remaining balance, which will bring us up to date through XX/XX/XXXX. 

Also, due to the " suspended balance '', we were told a payment made the date of this complaint covering the month of would be applied as a payment for XX/XX/XXXX, which should be paid in full. 

We spoke with XXXX, and received a confirmation number from PHH : XXXX Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: EQUIFAX, INC.
State: NC
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:
Please note I sent a dispute with equifax and they responded that one of my debts from XXXX XXXX XXXX for {$200.00} were verified. However, on another CFPD complaint the company has stated that they have not been able to verify the debt. I am very confused that equifax is saying they verified when the company could not even verify the debt as this is false and deceptive. It has been more than 30 days and I demand that equifax remove this debt from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I have a Walmart Store Credit Card where I am being charged for goods I did not purchase and the store will not credit my account, issue me an accurate statement so I can make timely payments as I always have and keep the account open.

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 2020-09-22
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I successfully paid off my loan with TD Auto Finance and they have not reported the account as paid in full but rather have reported the account closed. This has a negative effect on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15
Company: AMERICAN EXPRESS COMPANY
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
My American Express business card has a {$20000.00} limit and is used to make almost all of my business purchases. My current APR is 13.49 % and I generally carry a balance month to month. On XX/XX/19, my statement had a notice of APR increase an additional 5 % effective XX/XX/2019. This increase would be on all future purchases, and retroactive to my ENTIRE BALANCE at the new rate of 18.49 %. 
I immediately called Amex and told them that I believed this to be in violation of the CARD Act of 2009, since I am not and have never been late in payments, and I know my credit score is well above 800 points. The customer service representative said that it was due to my credit scorXXXX and what other accounts are paying. All he could do was to file an appeal. I did appeal and somehow immediately won the appeal, so this change will not go into effect on my account. The representative assured me that American Express would not act illegally. 
How many accounts are they doing this to? Are less informed people getting duped by American Express?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
The loans are giving me hardships due to not being able to live off of the income post loan payments. We never missed a loan payment at all and should be able to have some help in this stage. Also, the school misled us ( Co-Signers and Borrowers ) on the loan payments nor the amount of money each semester. They also mislead most students on how they said they would offer help to the graduating students on getting jobs in their field and almost half couldn't get a job in their field at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: CURO Intermediate Holdings
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
My status changed before adding last 2 loans I only get paid monthly On both loans when I took out I asked to make sure I was only down for once a month on the XXXX I was told yes I continue to receive emails about being late on the XXXX of the month Now I am going to Social Security XXXX and paid on the 2nd Wednesday of the month. 
I spoke with collections today as they called me I was told they couldnt correct and was not their responsibility to get to the correct person to have changed. 
Yesterday I sent an email to customer service XX/XX/XXXX Today, XX/XX/XXXX I forwarded and sent an additional email with explanation of phone call, I received 4 phone calls yesterday XX/XX/XXXX which I didnt answer plus they left no voice mail. This was also explained on the phone call todayXX/XX/XXXX I would like - my payday changed to correct day one time a month Permanent -corrections to credit bureaus from Speedy Cash -corrections and reimbursement to my line of credit loan only for monthly payments and any additional fees they have charged

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-12
Company: JPMORGAN CHASE & CO.
State: ND
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I WAS SCAMMED ON XXXX XXXX BY A COMPANY NAMNED XXXX XXXX FOR {$990.00}. THIS COMPANY TOOK ADVANTAGE OF A SENIOR CITIZEN AND THEY REFUSED TO REFUND MY {$990.00}. I TRIED TO REPORT THIS AS FRAUD WITH MY CREDIT CARD COMPANY BUT IT WAS DENIED.I CAN'T GRT IN TOUCH WITH THIS COMPANY. THE CREDIT CARD IS STATING IT WAS DONE TOO LONG AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-09
Company: AES/PHEAA
State: WA
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:
I am participating in the Public Service Loan Forgiveness program, and they have not provided with information regarding how many eligible payments I have completed. Despite multiple attempts at contacting them ( MyFedLoan ) for over 1 year asking for updated qualifying payment information, I have not received any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
A credit card was issued on my name and Capital One sent me to collection. I am in court fighting to clear my name and credit history. Capital One has allowed a fake company name XXXX XXXX XXXX business credit to issue this credit card. I need help locating this company and clear my name and fix my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-27
Company: BARCLAYS BANK DELAWARE
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
See attached file for a complete description of what has transpired for over a year

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 2020-10-09
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I have noticed that they have placed some inquiries on my XXXX  credit file on the date listed below that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, these inquiries are reporting verified to 3B but provided no verification of my authorization. 

JPMCB CARD XX/XX/XXXX ; JPMCB CARD XX/XX/XXXX ; JPMCB HL XX/XX/XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Hi, I was affected by COVID and reached out to BBVA after receiving a letter they were offering assistance on XX/XX/XXXX. I spent 59 minutes on the phone with them ( call log attached ) better understanding the terms of COVID relief and confirming that my 0 % balance transfer offer was extended through XXXX. I was transferred to 4 individuals who struggled to find the information but finally, the last one confirmed that XXXX was when my interest rate would increase for both of the balance transfer offers I had. I'm sure the recorded phone call would have that detail. 
As you can see in the attached statement, I started receiving finance charges on the account on XX/XX/XXXX. I made arrangements to pay the balance as soon as I could as I saw that I had incurred the charges, making a payment on XX/XX/XXXX. When I received the next statement I saw that the entire balance was being charged interest even though I'd been told that I had 0 % until XXXX. I called on XX/XX/XXXX and explained the above and was told that they could not reverse interest charges but would open a ticket and that I would receive an answer within 5 business days. Today is XX/XX/XXXX and I have yet to receive a response. I've paid off my entire balance and have been charged even more interest. 
Had I known I would've been charged this interest, I would've made arrangements to pay off the balance, even until financial distress. I'm reaching out because I can not get a call from customer service and feel that I've been taken advantage of under the pretense that they are helping me during COVID. I have attached a copy of my statement, call log and email confirming my COVID assistance on behalf of the company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX. I have contacted XXXX XXXX, XXXX, Transunion, and XXXX. About a XXXX XXXX Bankruptcy. I told them under US Bankrupurcty courts. The court do not verify and do not report to the credit the credit bureaus. I just want the information on my public record to be remove.

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 2021-12-01
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10
Company: Coinbase, Inc.
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
I Had opened a case with Coinbase on XX/XX/2019 regarding an unauthorized action on my account, and my Account is put on hold to no ability to login from that time, it's more than 45 days and still my case is not resolved, i had contacted their support team more than 10 times, they say that " Account Specialist is working on it '', without providing any further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: Experian Information Solutions Inc.
State: MI
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 Under the Fair Credit Reporting Act XXXX and XXXX I am requesting my Credit File. 
( 1 ) When did Experian contact the creditor ( 2 ) The information the creditor gave Experian ( 3 ) A description of the use to determine the accuracy provide you with ( 4 ) Did the creditor provide Experian with my name, XXXX, Address, XXXX for the XXXX Account ( 5 ) Did the creditor supply you Experian with the open date of the XXXX account and Delinquent dates of the account and complete credit history ( 6 )  Why did Experian retaliate against me and decrease my XXXX XXXX by XXXX points for filing an dispute. My score went up by XXXX points for less credit usage then XXXX days later after the dispute was released Experian decreased my XXXX XXXX by XXXX points when they already had decreased my XXXX XXXX 11 points when they let there client XXXX XXXX XXXX enter an Fake Account on my credit report? I already have the updated credit report from Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am looking at my XXXX XXXX score on XX/XX/XXXX. There is inaccurate information on my XXXX XXXX. Transunion is showing in collections that I owe XXXX XXXX XXXX  Opened XX/XX/XXXX {$2700.00} Original creditor : 11 XXXX XXXX. This is all 100 % wrong and inaccurate. All the other credit companies have removed this from my file as I did not owe t-mobile anymore and this was a misunderstanding which was resolved by there customer service team. I just want accurate information on my credit report thank you.

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 2020-02-21
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Made {$2100.00} payment with all extra to be applied to principal. Normal payment is approximately {$720.00}. This is the 6th time along with another loan in the past year that BMO has not applied the extra  principal or in this case the extra principal payment has disappeared completely from the payment. This last happen around XX/XX/18 where I filed a complaint with the Consumer Finacial Protection Bureau.  Complaint # XXXX-XXXX. I have reached out to BMO Harris at my local branch, but they are having no success with corporate office on rectifying this problem. I have to believe they have either singled me out for harassment or the problem exists with thousands of BMO Harris mortgage holders. In either case there should be an external audit of their mortgage department. I am forward this complaint to the Arizona Attorney General and the Arizona and Illinois Division of Financial Institutions.

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 2019-05-15
Company: MoneyLion Inc.
State: VA
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:
Igota{$500.00}loanfrommoneylioninXX/XX/XXXX.IagreedtopayweeklyonFridays.MidXXXXIhadfraudissuewithmybankaccountsomyaccountwasdelinquentuntilifixedittowardstheendofXXXX.DuringthesecoupleweeksMoneylionwouldnotletmepaymyweeklypaymentwithanotherformofpayment.SoIhadtoputastoppaymentsoiwouldnotkeepgettingfeesfrommybank.OnceIhadmyaccountbackinorderItriedtoresumeXXXXpayments.For2weeksinarowmyattemptstopaygotrejected.Itwasverydifficulttogetincontactwithapersontofigureoutwhatwasgoingon.OnceIfinallydidmypaymentsresumed(XX/XX/XXXX)excepttheytoldmemyloanpaymentswouldberestartedsinceIhadmissedafewpayments,whichIthinkisunfairbecauseIdidcontactthemtotrytopay.For4weeksfromtheendofXXXXtomidXXXXImissedpayments(XX/XX/XXXX,XXXX,XX/XX/XXXX,andXX/XX/XXXX).SinceXX/XX/XXXXIhavebeenmakingmypaymentsweeklyastheyaredraftedoutofmycheckingaccountasacheckeveryThursdaynowfor{$9.00}.MycreditreportcurrentlysaysthatIam120-149dayspastdue.IhavecalledMoneyLionaboutthistheytoldmeIwouldjusthavetodisputeit.Ihavedisputeditseveraltimesofdifferentplatformsandmyaccountcontinuestonotbeupdated.ThisisreallyhurtingmycreditscoXXXX.

Company response to consumer: Closed with explanation