BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-17
Company: MRS BPO, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from MRS Associates the XXXX of XXXX was made aware I had balance with XXXXXXXX XXXX XXXX I asked her for a breakdown of the charges to be mailed to me she told me she would get that from them or have them the original creditor to mail that to me but she also stated that this will affect my credit if I dont resolve it after just telling me they just got the account. I called them back after getting a balance letter in the mail and spoke to another rep and told her Im disputing this debt until I receive a breakdown of these charges and she proceeds to tell me I CAN NOT dispute the debt. I then had to go into their website and file a dispute that way on XX/XX/2021. I called back to follow up on XX/XX/XXXX and was told the account was sent back to XXXX XXXX XXXX after I sent them dispute making them aware of the violations of the FDCPA.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Mr. Cooper Group Inc.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a XXXX XXXX and only get paid 10 months a year. We reached out to our mortgage company for help. We just needed temporary help because once my regular salary returned, we would be okay. We made three phone calls. The first call, they said they could do an extension where they add the payment to the end of the loan. But I needed to call back when I was officially past the due date. I called back after the due date and they said there was nothing they could do to help, and they couldn't do an extension. I was furious. I said that this was a VA loan and there was something they should be able to do. Again, they didn't offer any options. My husband called and they also told him they couldn't do anything. My husband had to search online on the website to find out about their mortgage assistance program. We didn't learn about it from them. We did everything we were supposed to and that took so much work. Every time we submitted the requested documents, we would get a notice they needed more. It took probably 2 months just to get all of the documents in. Then I get a notice that there was a negative hit on my credit report. The 30 day overdue payment had been reported. I thought it was an error because their website said the underwriting is paused while you are applying and they are reviewing your application. I had not received a notice that the mortgage assistance application had been denied. So I decided I would wait a few days and call and get it worked out. Then I got what they called a certified letter in the mail five days later ( and it definitely wasn't certified because certified requires a signature ). The letter said we owed them the payments we missed. The same day we received the notice that our application for mortgage assistance was denied. So instead of them reaching out and informing us that the mortgage assistance was denied, explaining why, and giving us the opportunity to make a payment ; they sent a letter to attempt to collect the debt, reported the missed payment to the credit reporting agencies, and then notified us that the application was denied. To top it off, I was like, I don't want to lose our home over a couple of months of temporary challenge so I went to make a payment. I had just applied for mortgage assistance and they were requiring me to make two months worth of payments. That is over half of my monthly salary. And although I have a partner, because I make more money than him, I pay the mortgage. And for us, that works. That lacked compassion and understanding. And lastly, today my husband got a debt collection message from them. Our entire experience has been horrible. We have received misinformation and they have done some unethical things that have been financially detrimental to us. On a personal note, this is the second time a company has hurt my credit score because of something they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
in XXXX i had a credit balance of XXXX, and according to THEIR statement no minimum payment was due. got my XXXX. statement and i had a balance of XXXX with a minimum payment due date of XXXX min payment XXXX they have been declining transactions and added a XXXX past due payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Guidiville Indian Rancheria
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been receiving numerous phone calls from a company called XXXX XXXX XXXX XXXXXXXX about a loan from a firm called Multi Source for {$100.00} in 2016. I have no knowledge of such loan and all debts owed were paid in full in our XXXX XXXX bankruptcy. 
I asked the representative, who stated that her name wsas XXXX, for additional information and clarification at which point she began screamingthat I had all of the information and that I should tell it to the judge and then hung up on me. I called back to find out more information and was hung up on again. 
Plainly and simply put, we have no outstanding debts and I have never dealt with this company Multi-Source. I have never recieved any documentation concerning this account nor have I recived any documentation from XXXX XXXX XXXX XXXXXXXX. 
This repeated tactic is apalling and horrible. I have no information about this and I am being harassed about something that I have bo information about from either party. In addition, the tactics and abusive behavior of the collectors is unacceptable. If this is true, why is there no documentation. 
Your assitane in this matter would be greatly appreciated.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-18
Company: STERLING JEWELERS, INC.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX is charging me for a credit card that I had identity theft on ... I lost my pocketbook and however the person that stole my credit card ... put some purchases on my credit account with XXXX credit card..I have file a police report to have this item removed

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
Company: Conn's, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX charge this account off and applied a lot of late payments to my credit report basically damaging my credit score they sold the account after it was paid completely off now the still trying to charge me again ... this charge off account should be remove off my credit report ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: Avant Holding Company, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
A check in the amount of {$63.00} was processed through my bank checking account on XXXX XX/XX/2021 to Avant Credit Card Services, but is not being reflected in the XXXX  credit card balance today, XXXX XX/XX/2021. The customer service representative ( s ) said that they have no record of the payment or the check being received but the check has been debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was scammed by someone. I wired money to an account at XXXX XXXX thinking that it was to purchase a watch but turned out to be fraud. I bank with chase. Chase refuses to write a letter of indemnity so XXXX can wire back the funds that were part of a scam. XXXX is willing to send me back the remaining funds due to fraud but chase refuses to send letter of indemnity stating that I sent the money that it wasn't taken form my account. This is still a scam and an act of fraud. I have tried contacting chase multiple times and they will not send letter.My money is still with XXXX as we speak and I am not getting my funds returned. XXXX has a policy that they will only accept letters of indemnity from another bank, but in this case my bank will not write it. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-18
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: Information belongs to someone else

Complaint:
There is an account in which it keep disputing that does n't belong to me which is XXXX XXXX XXXX by something called XXXX XXXX and I would like it remove off my credit report as it does n't belong to me and is fraud {$1700.00}

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 2021-02-17
Company: Credit Corp Solutions 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:
I have been harass by a debt collector credit Corp solutions and also had my rights violated. They have sent collections bill to my address damaging my reputation and credit report. I sent them over documents asking them to remove my information from there records.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I've had to register accounts at least 2 times, I can't reset my password. I'm getting reset passwords but Loan Cares website isn't recognizing credentials. I've talked to a rep a few weeks ago and still can't log in to make my payment. If you call XXXX You are also getting messages about payments being delayed through mail creating late payments. This company should be investigated. I'm a loan officer myself who refinances loans and have received several calls from borrowers in this company in particular, not paying taxes and insurance escrow on time putting borrower in bad positions with their payments.

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 2018-01-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is reporting a fraudulent account to my credit file I never had a XXXX card and I have call several times to tell them to remove it and customer service let me speak with fraud department and they said the willremove the fraudulent account I ending up filing a police report to have it remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-18
Company: EQUIFAX, INC.
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I sent Equifax 2 dispute letters by now and all i know is that the accounts are listed as : Consumer Disputes information, I 've yet to receive letters regarding the outcomes of the disputes. More than anything I Want Equifax to provide me their verification process as IT IS MY LEGAL RIGHT UNDER FCRA 611 ( a ) ( 6 ) and ( 7 ) ... ... .... HOW DID YOU EVEN TALK TO THE COMPANIES!? THEY DO N'T EVEN LIST A PHONE NUMBER!!! SO I AM ASKING THAT EQUIFAX PROVIDE ME THE ''MAIL CORRESPONDANCE '' USED TO VERIFY THE ACCOUNTS WITHIN 15DAYS OF THIS COMPLAINT. ACCOUNTS IN QUESTION : 1 ) XXXX XXXX XXXX, 2 ) XXXX XXXX/XXXX XXXX, 3 ) XXXX XXXX/XXXX XXXX, 4 ) XXXX XXXX  XXXX. I DEMAND TO SEE YOUR VERIFICATION PROCESS EXECUTED IN 15DAYS AS STATED IN FCRA 611 ( a ) ( 6 ) and ( 7 )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hello, to whom this may concern. An account with account # XXXX was opened in my name on XX/XX/2020 without my authorization with XXXX for {$6600.00}. I'd really appreciate it if this was taken care of and removed from my report.

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 2021-09-08
Company: AES/PHEAA
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:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report and I do not believe I was late on the dates they are reporting. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately. Below are the lists of the late accounts that need to be updated and corrected immediately : FEDLOAN-XXXX-Balance {$7400.00} FEDLOAN-XXXX-Balance {$4200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-26
Company: Nelnet, Inc.
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My loan was being serviced by XXXX-Education for years and I was making automatic monthly payments on three loans. Last year, XXXX became XXXX and my monthly payments continued. At some point in the XXXX or XXXX of 2018, account information about only two of my 3 loans was available on the website. It was unclear to me if I had paid off the third loan, as I did not receive any such notice. I sent in an email requesting information, and I never received a response. Today I attempted to login to the website, and it indicated that my loans were no longer being serviced by XXXX and that I should contact the new servicer. I have not received any information about a new servicer. I tried to call XXXX, and the message says they closed on XX/XX/2018 and to contact the new servicer. Again, I have no idea who the new servicer is or how to find out. I am concerned that I may be missing payments and that my credit will be affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
Please see identity theft report. I have consistently disputed fraudulent accounts that are results from identity theft on my credit profile with all 3 credit bureaus and they have ignored my verified claims and are unlawfully and illegally reporting fraudulent accounts on my credit profile.

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 2018-01-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I defaulted on several credit lines with XXXX XXXX. They have then sold my debt to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, and not sure for the third one. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX have not provided me with any correspondence that the debts were transferred to another co. nor has the buyers of the debt informed me of such transfer. Instead a representative from XXXX XXXX XXXX, XXXX. contacted me on XX/XX/XXXX stating that she worked for the Litigation dept. We immediately demanded that a verbal cease and desist be placed on the account, but the Rep. stated that she did not have to abide by such request and refused to accept. I was outraged and shocked being that no notice had been previously given and the fact that a written cease and desist was sent in XXXX of XX/XX/XXXXto all my creditors. When the cease and desist was sent in XXXX of XXXX, I verbally communicated with all my creditors and offered 30 % to settle my accounts. This money came from my XXXX, as I had no other means of meeting my responsibility. Since then I have settled wit.h XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX and personal loans. I never refused to pay my debt, but due to my hardship i am working with limited funds.XXXX XXXX XXXX did not provide me with all correct and rightful legal notices and correspondences, and/or acknowledging my hardship or attempted to work with me since i never refused to pay but nearly wanted to negotiate a settlement. The have shown very little integrity in the process as they contacted me from a litigation dept. and would not honor a verbal cease. Lastly they have now hired the XXXX XXXX XXXX XXXX XXXX XXXX XXXX to tactfully force and scare me to pay. XXXX XXXX XXXX simply has shown that they do not care about following a lawful process and are willing to cut corners and threatened people and if they dont get what they want they send you to an attorney 's office!!!

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 2021-02-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 mailed a letter about an inaccurate account listed on my credit file. It has been over 30 days and I still haven't received a result of investigation.

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 2021-02-17
Company: SYNCHRONY FINANCIAL
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 am XXXX XXXX XXXX and have excellent credit history XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. 

I tried to PURCHASE a CD with CASH from Synchrony Bank and was turned down because of a report from XXXX. 
HOW CAN a company like XXXX  have this much power??? HOW CAN ANY entity claim that I owe them money and cause me the hardship and TIME LOST in getting this corrected?

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 2019-02-08
Company: Bread Financial Holdings, Inc.
State: AK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
My XXXX XXXX XXXX credit card ( through XXXX  XXXX   ) had a payment that was late in XX/XX/XXXX and I was called about it in XX/XX/XXXX after it was too late to fix. My address on record was originally incorrect, so I did not recieve mail regarding my credit card or payments.I have since changed my record of address. I was also not sent an email about the payment or the fact that it was late, this was verified for me over the phone. I thought I had paid the complete amount and was unaware of any balance on the card. As soon as I was notified of the problem I paid the card off in full, including the late fees. I spoke with someone on the phone and was told that I was not at fault and to please file a dispute with the company. I am an XXXX XXXX XXXX in XXXX, Alaska. I always make sure that my payments are prompt ; this was an honest mistake that I would not have made had I been notified.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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: Information belongs to someone else

Complaint:
I have several accounts on my credit that are fraudulent. My identity was stolen and for months I have been writing to Experian and they are not corroborating the 30 days. Hardly in days they answer me and these accounts the signature is not mine. 

The Accounts is : XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : 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