BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was paying monthly and then all of a sudden istopped getting alerts information about my loan I believe I was having issues with the electronic devices Ive been using however I was paying every month and I would like to continue doing that I have a private loan and I have been paying so I need some information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX {$3000.00} XXXX XXXX {$22000.00} CHAPTER XXXX BANKRUPTCY XXXX XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} XXXX XXXX XXXX XXXX {$300.00} XXXX XXXX XXXX XXXX XXXX {$1700.00} US DEP ED XXXX {$23000.00} US DEP ED XXXX {$2900.00} XXXX XXXX {$3800.00}

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 2018-07-29
Company: Experian Information Solutions Inc.
State: MD
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:
Despite several attempts to have old information removed from my credit report, Experian refuses to conduct an investigation. They have written me explaining that they refuse to conduct a re-investigation of this account.

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 2021-03-04
Company: AMERICAN NEIGHBORHOOD MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
I applied for an investment property loan and got a pre-approval from AnnieMac Home Mortgage / NMLS # XXXX and rate was locked. Once we locked the rate I was told not to shop with any other landers, so I did. I provided all the documents and was told all is well. But after a month they started harassing for more document, and they mentioned that federal lending rules changed as they can not use my rental income towards this loan. because I do not have a primary home. I verified with local lenders and they say its incorrect. I had to liquidate my personal stocks, sell my vehicle to come up with more money for down payment. After providing all the documents, statements, proof of sale of vehicle, proof of stock liquidation still they say its under review. When I try to call the loan processor ; I get nasty emails. I feel I am being told incorrect information and discriminated. This company cost me over {$6000.00} in money and lost revenue from potential rental and {$10000.00} in earnest money. No Proper communication and response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
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:
American Express Please see detail in letter attached. 

Remove of closed accounts in all bureaus due to fraudulent activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On Monday XX/XX/XXXX at XXXX XXXX ET I called American express to see about changing my current card to a different american express card that I had received an email offer on - the new card I was being offered was a XXXX card and my current card is just an Amex card without any other affiliation. I was told by the person from Amex that I spoke with that I could not swap the accounts over the phone - i needed to apply for the new card and if i was approved I could call Amex back and cancel my current card. Since I was charged an annual fee on my existing card of {$550.00} in XXXX of this year, I asked what would happen to that fee? I was told by the representative from Amex not to worry, that my fee would be prorated and I would receive a statement credit for the balance of the year that I did not use the card, based upon the day that I called them and cancelled my existing card. 
I applied for the XXXX card later that night on the 1st and was approved. I received the new card in the mail today and called Amex XXXXonight XXXX XX/XX/XXXX ) at XXXX XXXX ET to cancel my existing card. I was told by the representative tonight that my annual fee was lost and that I would not get any credit for the prorated portion of the year that the card was not active. I asked to speak with a supervisor and was told that I could not and that they would try to have someone call me back. 
This seems like a complete bait and switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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:
Around XXXX of XXXX, I discovered that an account I had with Bank of America had been charged off. I had a secured credit card with them since XX/XX/XXXX. I contacted Bank of America to figure out why they charged off the account for {$880.00}. 

I did not receive any specific information, other than a charge that was credited back to my credit card was reversed and I had that as a balance. I never received any type of notification that they had reversed the charge or any billing statement. 

I requested documentation for the charges from Bank of America, which I never received. I attempted to have the information corrected on my credit bureau, however Bank of America continually states they are reporting the account correctly, which is inaccurate. 

I have offered as much as paying the balance in full, in order to have the reporting corrected on my credit bureaus, however they refuse to accept payment. I sent them a letter and email advising that I had never received a bill for the charged off amount and I was never given an opportunity to pay them, prior to charge off. 

I told Bank of America that I did not agree with the reversal of an unauthorized charge, however they stated they are no longer able to investigate the unauthorized charge. I requested proof that the charge was authorized and accurate, however they did not send me anything. 

I sent a letter to Bank of America and I have received no response. I also emailed the CEO and VP asking for assistance, to no avail. 

Please assist me in getting this resolved.

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: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
upon checking my credit report i realized there is a company trying to collect over XXXX dollars from me i dont know who this company is i haved tried numerous of time to contact them but no luck to my knowledge i have never signed a contract with them in person nor electronically with them nor any of there affilliates

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: NCB Management Services Inc.
State: RI
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have not supplied proof under one doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in facts exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Information belongs to someone else

Complaint:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. SC XXXX ( XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ), XXXX ( Transunion ), XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transuion ),  XXXX XXXX ( XXXX, XXXX, Transunion ), XXXX ( XXXX, XXXX, Transunion ). I am acting on my own behalf and  need help with this.

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 2017-08-01
Company: Navient Solutions, LLC.
State: MD
Product: Debt collection
Sub-product: Private student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I obtained a student loan from XXXX XXXX in XX/XX/XXXX. This account was later sold told Navient and was closed/ charged off XX/XX/XXXX. Navient later sold my debt to a collection agency who later transferred the debt to XXXX XXXX XXXX XXXX XXXX. This collection agency has repeatedly called me during all hours of the day during work hours and evening hours. They have also harassed family members whom were down as References these family member have informed me they are being contacted several times a day. It took me calling Navient to find out if their were any income based repayment options for me to find out that my information and debt has been transferred to 2 other collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-30
Company: Cash Security, Inc.
State: OK
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2018 I refinance a personal loan with cash security in XXXX Oklahoma on XX/XX/XXXX I dropped off the check before opening for my payment. A 10-day grace period is given by the company before a late fee is charged and this is the first time in the 10 loans I've had with them that I have been close to being late. On Wednesday I noticed that the check hadn't cleared my bank and contacted my bank and they let me know that the funds had been taken out on Tuesday for another bill and that that check was going to be returned so I had my father go in and make the payment that Wednesday the company got the check returned Thursday XX/XX/XXXX and the system gave me both a late fee and a returned check fee I asked the lady if there was anything I could do to get the late fee removed since I had never had one and had been a good customer for several years .she said there wasn't anything they could do. I made my principal payment of XXXX on time in XX/XX/XXXX plus another {$3.00} towards the late fee I asked the lady if I could carry it over until the next month and that I would take care of the rest of the late fee then and she assured me that that would be fine a week later I got a call from the lady at cash security asking when I'd be able to take care of the rest of the {$40.00} that is due and I told her that I planned on taking care of it when I made my payment in XX/XX/XXXX she said okay but yet then again a few days later I got another call from the lady at cash security just to let me know that the {$40.00} had went up to {$60.00} I asked her what happened and she didn't know so we had to get ahold of the Regional manager that explain to me that their system didn't put my payment towards the principal. It had first taken care of the late fees so I got another late fee because of the principle that was left die. No one told me that's how their system worked. It isnt stated in the contract and no one informed me that I would receive another late fee on my late fee. I got a hold of the regional manager again and try to get the mailing address for the main office that I told was in XXXX XXXX but they never would return my calls. I have been a very good customer for them for a long time now and it bothers me to think that they're doing this to other people. they had several opportunities to inform me that I would receive a late fee and that my principal wasn't taken care of when I made my principal payment. In my opinion this practice of theirs is extremely unethical. On top of the confusion and the Shady practices I've been receiving letters saying they don't know why I'm behind and text messages from this company although I've asked them not to text me and had set up a payment for XX/XX/XXXX already

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-29
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I was advised by my manager that you guys could help me with items on my credit that are not mine. I have been trying to fix and I was also advised to contact the FTC and my local police which I did both. Please have these items removed from my credit as they are not mine. XXXX XXXX ( XXXX, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ), XXXX XXXX ( XXXX, Experian, XXXX ), XXXX ( XXXX, Experian, XXXX ). I am acting on my own behalf and need help with this.

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 2020-06-02
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Td babk is saying Im having account abuse which is incorrect they are hurting me to get credit and grow my livelihood and banking

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-03
Company: NCB Management Services Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
NCB Management Services , Inc. has listed an alleged debt on my three credit reports which I have no firsthand knowledge of and no contract in existence proving the debt reported is legally valid. No solicitation of service was ever performed and no request for the services this organization provides was ever requested by me. I have sent four certified letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( receipt attached ) and XX/XX/XXXX ( receipt attached ) requesting verification that the alleged debt ( {$4400.00} ) is mine, including any documents bearing my signature agreeing to this alleged debt. NCB Management Services , Inc. has responded to the letters from XX/XX/XXXX XX/XX/XXXX with printouts of a bill and itemized documents ; however, they have just responded with a letter only to the request for signature validation on XX/XX/XXXX letter which also informed them that according to FTC opinion letter from XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. I have yet to receive any verifiable contract or document bearing my signature. I am requesting that since they can not provide indisputable proof bearing my signature of the alleged debt, that this account, including the Original Creditor ( XXXX ) be removed from all three credit reports and that this collection agency cease and desist from trying to collect from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-07
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I reached out to Harvest Associates inc. via postal mail ( 1 ) ( XXXX XXXX XXXX XXXX XXXX ) dated XX/XX/2020. It was received by the company XX/XX/XXXX. Which the company still hasnt updated the credit companies that this account is in dispute which is another violations of the many i discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-25
Company: EQUIFAX, 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 received a copy of my credit report and noticed fraudulent accounts. this issue is stopping me from obtaining credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Please see attached letter 's mailed to your XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX and to your XXXX XXXX Attn : Executive Office XXXX XXXX XXXX / XXXX XXXX, OH XXXX Not getting a response in writing as requested.

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 2021-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2020, through XXXXXXXX XXXX XXXX I applied to XXXX XXXX XXXX for an automobile lease. I completed an application for the lease and authorized ONE credit report to be obtained. On XX/XX/2020, XXXX XXXX XXXX obtained a credit report and on XX/XX/2020, XXXX XXXX XXXX obtained a separate credit report on me. This resulted in two hard credit reports for a single transaction. Again, I authorized only ONE credit report. This abuse resulted in a significant reduction in my credit score. 

I reported my dispute to the credit reporting company XXXX XXXX XXXX on two separate occasions but they simply ignored my two items of correspondence.

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 2020-11-18
Company: SYNCHRONY FINANCIAL
State: CO
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 have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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 2021-02-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
I have a few addresses on my credit report that do not belong to me and I have issues with my verifications for my job. I really need these addresses off my file please delete, remove the following : XXXX XXXX XXXX XXXX XXXX  XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX XXXX  XXXX FL, XXXX XXXX XXXX XXXX  XXXX WI, XXXX My Address is XXXX XXXX  XXXX XXXX XXXX XXXX OH Any other addresses are not accurate.

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 2018-07-29
Company: AES/PHEAA
State: UT
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:
I have applied to have my loan consolidated two times with XXXX XXXX, and they have not taken any action to consolidate my loans. Every time I try and call in, they hang up, and the monthly bills are vastly inconsistent, and extremely high given my income. I have been denied my applications to move to other payment plans such as XXXX, due to bills not being paid due to the fact that I never received these bills ; they simply appeared after the fact in the system.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AmeriHome Mortgage Company, LLC
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 status incorrect

Complaint:
During the whole covid pandemic I panicked and couldn't afford to pay my mortgage. I was misinformed and thought that anyone with a mortgage loan would be granted forbearance as the mortgage companies would be flooded with calls. I finally called in XXXX and was verbally put on a forbearance plan for 6 months. I was not informed as to how it would affect my credit score and how this would be reported to the agencies. I was misdirected that it would include both 30 days late and 60 days late. 
My XXXX payment was late due to the fact that the bank wanted a cashiers check and I wasn't able to get one and it mailed out until XX/XX/2020. I overnighted the payment hoping it'd be there before XX/XX/XXXX, which it should have been. 
I would hope that in theses times there could be a courtesy removal of the XXXX XXXX day late. There is no remark on the comments stating that its disaster related as the comments should reflect that. Also, i have read that if at all possible lenders are should hold back from negative credit reporting at this time

Company response to consumer: Closed with explanation