BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-25
Company: Experian Information Solutions Inc.
State: AL
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/2021, I filed a dispute with Experian, XXXX  and XXXX  about the inaccurate report of the account XXXX XXXX Account number XXXX, .. In 2 months I have asked numerous times for a response to their investigation and I have not received anything in response from this bureau, this is a violation of the FCRA 30 day investigation policy. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. I have attached documentation for proof of my complaint. 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 non-monetary relief
Consumer complaint received 2019-11-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
2009 Bank of America hired a company called XXXX  out of California to forclose on our home ; XXXX  was never licensed in Arizona. 

Bank of America forced us to sign a bad loan modification

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 2020-08-22
Company: Receivables Performance Management, LLC
State: TX
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:
My issue with Receivables Performance is that they keep on resetting a date on my credit report and my credit has been dropping. These people are doing this purposely every time my credit score goes up. Its not the first time they have done this. I have had no contact with this company at all. My debt to XXXX was close back in XXXX 2018. Ive also come to believe that Receivable Performance is checking my credit score without my authorization! I have complained to TransUnion but they did not do anything about it. I will escalate things further and take action against this company for Illegally and purposely affecting my credit score. I dont have and have not open any accounts with them recently. They need to stop harassing me. That is Illegal.

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 2021-05-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered a indoor security camera online from Lowes and charged it to my LOwes credit card, but the camera does not work. So I called and ask for a return label so as to return it via " XXXX '', as that is the way it was delivered. So I spoke with a LOwes rep and she sent me a email confirmation without a return label which is necessary when returning a package for a refund. THe Fedx man came this morning and did not pick the package up even though he scanned it. I can not get a hold of a lowes rep and I was on hold for 20.5 hours waiting. THe order number is, XXXX. I am not paying for a product that does " NOT '' work.

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 2019-05-28
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Anytime i apply for a card or to buy a house they say Equifax has put a fraud block on my account. I can't even obtain my report off the free annual credit report. Last time i was able to see my report, you have my name spelled wrong several times, wrong phone numbers, several addresses I've never lived at. This shouldn't be my responsibility to fix, this is your error. Now there's a block on my credit report? I have no knowledge or anyone contacting me letting me know what's going on, I've called & wrote a letter, got nowhere. You're saying i have fraud block but yet are committing fraud yourself by not correcting the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: CountryPlace Acceptance Corporation
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
for the past 3 o4-5 years I email an ACH form with the date to deduct the payment to Country Place Mortgage. from my bank account. 
The last 4 months - my payment isn't being deducted on the date I have requested. I have to follow up with phone call to ensure my payment is made. 
I don't know what has changed that this isn't being done per my emailed ACH. 
The problem is I'm in a Chapter XXXX BK and this payments need to be made on time. 
I have reached out to the collection manager and the person who supposedly handles my account and I do not get any reply. 
I am working from home due to the Virus and I cant spend time on the phone checking to make sure they do they jobs. 
Please help me I send an ACH the beginning of the month to have them deduct {$520.00} on the date of my second pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: F.H. Cann & Associates, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XX/XX/XXXX - called me at work regarding debt. I explained in detail that I am at risk of losing my job if I am contacted at work re : debts.

XX/XX/XXXX - called at work again, told caller that I can not accept calls at work and to please stop calling. I was told it would not happen again.

XX/XX/XXXX- called at work again, again asked them to stop calling me at work.

XX/XX/XXXX- called at work.

JXX/XX/XXXX- spoke with agent calling regarding debt. Told her that I have asked multiple times to not be contacted at work, asked if it was legal for her to continue to call me at work after that request. She transferred me to manager. Manager said that he didn't see any notes saying that I couldn't take calls at work. Said he would just remove ALL of my phone numbers ( including my cell ) and if I wanted to pay my bill then I could contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
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:
In XX/XX/18 I made a purchase on my credit card in the amount of {$61.00} for a company called XXXX XXXX. I learned today the company is out of business and is ceasing operations. I had an order for chicken to be delivered but since the company is out of business it will not get delivered. I would like to also add that the representative would not let me explain is that XXXX kept delaying my order so my intention was to cancel because I will not be available to pick up on that date. Again because the company is out of business I can not contact them - their phones are shut down. So Bank of America advised me Im just supposed to wait around- this is my money that has been held up. Im really frustrated with Bank of America just not listening to the full story. I use this card for the low rate but no more. I for once just want them to be on the side of the consumer. I am not done with this and I will not lose my money over BofA not listening to the customer. I did hang up on the representative because I was tired of her talking over me it was clear I was getting no where.

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 2018-12-13
Company: Navient Solutions, LLC.
State: CA
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:
I have consistently tried to lower my private student loan payments, I have fallen behind a few times on my payments because of my job as a XXXX  is a seasonal job for the state of California. When I have fallen behind even for less than a month I would recieve between 5-10 calls every day from Navient to contact them to make my payment. It has gotten so bad that I have had to block multiple numbers on my phone. When I have gotten back on track to have a lower payment the lowest payment they can give me is still a figure that I can not live on and pay all my debts plus be able to live on and support my family. I have paid over XXXX dollars in payments and I am no where closer to paying off my loans than the day I started. I realize that taking deferments and forrbarances would increase my principal balance but that is all I could do to not have my payments be late or end up in collections. There are no programs to help people with private student loans with navient. They have terribly customer service and make no attempt help the customer, instead they want over invasive financial states of my wife and family to justify giving me a XXXX  lower payment a month. My private student loan is over {$630.00} a month when I only bring home XXXX a month and trying to support a wife and son along with all of our others monthly payments. My wife and my son have had to move in with family because we no longer can afford to rent. Navient has done nothing to help its customers lead a normal life instead its all about the money no matter the cost to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-05
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I have in my report a 30 day late payment on XX/XX/2018 XXXX XXXX/XXXX ACCOUNT # XXXX.The information is incorrect.

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 2018-06-26
Company: Navient Solutions, LLC.
State: SD
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
My loans were originally with XXXX XXXX and XXXX XXXX bought them out. Well in XX/XX/2017 I had called in to get some information on my loans. After speaking with a representative I went on to get 2 more calls that same day. That clearly violates the FDCPA and I advised them not to call my cell phone anymore. Well the next day I received another 2 calls from them from an automated dialer and therefore I called them and advised them that also violates the FDCPA. After that I was frustrated and offered them a settlement on the account in which they rejected. As of XXXX Navient has been speaking to me because they were the servicer at that time and XXXX XXXX the guarantor. I advised Navient of the same thing. Either settle on the account for the violations of the FDCPA and or bring the balance to 0 considered pain in full. I also advised Navient not to call my cell phone as my employer pays for it. Well they didn't listen to that and I proceeded to get another few calls. After a while they stopped. Well last week XXXX XXXX XXXX whose parent company is Navient called my two sisters. First thing they said is this is an attempt to collect a debt how do we get ahold of XXXX. Well stating it was an attempt to collect a debt that clearly violates the FDCPA. Both of my sisters advised them not to call there cell phones they said okay wont happen again. Well my one sister got another call today and first thing that is said is this is an attempt to collect a debt. My sister was not happy as she specifically told them not to call her cell phone. well since they called her again and they advised it was an attempt to collect a debt that's another two violations. I want this balance taken to 0 considered paid in full to reflect that.

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 2021-05-25
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 information incorrect

Complaint:
XXXX  is reporting inaccurate information and fraudulent status never late and is a XXXX  balance My account capital is current and never late and there are duplicates my XXXX XXXX XXXX XXXX  is paid with XXXX balance why does XXXX  keep posting old information and inaccurate information. 
My.XXXX  account is a settlement XXXX  balance. XXXX is continuing monthly to report inaccurate information the disparities and discriminatory action to report fairly and accurately must stop. 
These actions hinders my chance of looking favorable to creditors and financial organizations. It must stop and as a last resort if this continues I will seek legal assistance.

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 2018-06-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 I had funds automatically taken out of my checking account from XXXX XXXX twice from XXXX 's. There should have been one ( 1 ) payment of $ XXXX instead there was two ( 2 ) automatic deductions for {$260.00} taken from my checking account. This has not been rectified as of yet. 
The website for XXXX 's was having issues with the automatic payment when I initially tries to have the payment initially setup on XX/XX/XXXX. However, I didnt think it was completed. So, when I didn't see anything online under my XXXX 's account webpage or any acknowledgement I initiated a payment on XX/XX/XXXX for {$260.00} to be deducted from my checking account on XX/XX/2018. Then, two ( 2 ) minimum payments for {$260.00} each were taken out of my account. 

I disputed on XX/XX/2018 with my bank ( XXXX XXXX ). They, in turn had me sign dispute document five ( 5 ) business days later and fax it to XXXX 's. However, it has been ten ( 10 ) business days and I need my {$260.00} back into my checking account. 

XXXX 's was no help as they stated they had to see a payment first ( when I called on XX/XX/2018 ) when I initially contacted them via phone.When I called back five days later they showed no credit on my account. I need my {$260.00} and this process in the year XX/XX/2018 is unbelievable.

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 2018-06-26
Company: Comerica
State: AZ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
In XXXX I was asked to guarantee a loan for the company I worked for - XXXX   XXXX XXXX. The amount was {$44000.00} to guarantee to Comerica Bank. XXXX told me it would only be for a few months. I left the company in XXXX as XXXX brought in new management. I received letters from Comerica that they were going to send my money to unclaimed funds for non-activity. I withdrew {$40000.00}. In XX/XX/XXXX Comerica threatened to sue me if I didn't return the money. I did. In XX/XX/XXXX I received a letter from Comerica stating that XXXX had defaulted on its loan and they were confiscating my {$44000.00}. According to the documents I signed, I was to be notified of any changes or modifications to this loan, as a guarantor. I was never notified of any changes or modifications to the loan that they made with XXXX. As a result I contacted a lawyer and should receive my money, however Comerica is not releasing it and has put a hold on it. I have been corresponding with : XXXX XXXX XXXX, Vice President Comerica Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX Email : XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax They will not release my funds after breaking their fiduciary duty with me and breaking the bank covenants with me. Please help me with this. My phone # is XXXX and email is XXXX. Thank you so much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: EQUIFAX, INC.
State: CA
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:
Dear Equifax, I checked my personal credit report, which I acquired from your company on XX/XX/2018 and I noticed that a FRAUDULENT inquiry that had been made on XX/XX/2018 is being reported on my credit report. 
I contacted XXXX XXXX XXXX, who conducted the inquiry and asked them to remove their credit inquiry from my credit profile. According to XXXX XXXX XXXXXXXX, they can not see the inquiry and so they can not remove something that isnt there. 
I request that you initiate an INVESTIGATION into XXXX XXXX XXXX ( XX/XX/18 ) inquiry on my credit report to determine who authorized this hard inquiry. If, once your INVESTIGATION is complete, you find my allegation to be true, please remove the FRAUDULENT inquiry. ( Do not send me anything via US mail. ) Please note that although the inquiry shown on my credit report is a factual record of the company who accessed and reviewed my profile and although it is only logged on the report, when in fact, an inquiry was made ; a record of this activity, pursuant to federal law, must NOT remain a part of record if the inquiry was FRAUDULENT.

If you find the inquiry referenced above to be valid, please respond only via the CFPB PORTAL with a description of the procedures, used in your INVESTIGATION to determine that this inquiry was not FRAUDULENT, within 5 days of the completion of the INVESTIGATION. This includes providing the name, business address, and telephone number of the furnisher ( s ) contacted in connection with this FRAUDULENT hard inquiry. 

Very Respectfully, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-18
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 
Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

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 2018-12-13
Company: Monarch Recovery Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The jackbooted thugs of MONARCH RECOVERY XXXX have called us at XXXX pm on XX/XX/2018, at XXXX pm on XX/XX/2018, at XXXX am on XX/XX/2018, and at XXXX pm on XX/XX/2018. 

I believe that 4 consecutive phone calls with no msgs left in my voicemail constitutes harassment. 

We are seniors and have no outstanding loans nor debts. We have even told these thugs via email to please stop calling our home phone number, yet these tyrannical bullies won't stop calling. 

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX. XXXX XXXX XXXX XXXX http : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
Wrong ss number, does not belong to me, emails and calls wont stop. Asked them to remove.. chat, email, and phone calls made to them to clear this up.. Not mine, they called my work, swore at me, on sundays, and after hours legal. I want it removed off all three credit reports and to be left alone! I have also disputed with all three credit reporting agencies. they have my last four as XXXX i think. so it is not me as the last digit is wrong. going on two years of this.someone mustve used in my name if they did. NOT ME

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-05
Company: Coinbase, Inc.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I send XXXX xlm coins to coinbase from my ledger live and never received it. I try contacting coinbase about the problem they reply back by saying that the issue has been resolved but it was never resolved

Company response to consumer: Closed with explanation