BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-27
Company: Experian Information Solutions Inc.
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: Investigation took more than 30 days

Complaint:
I recently looked at my credit report and noticed some things that I believe to be wrong. 
I reached out to the credit bureaus to do an investigation on my report. I sent a 609 letter in on XX/XX/XXXX and never heard anything back. So I sent a 30 day comply on XX/XX/XXXX and I've yet to get any feedback on my 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 2018-08-06
Company: Sequium Asset Solutions, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I had a unpaid debt show up on my personal credit report that is not something I owe. It was filed by SEQUIUM ASSET SOLUTIONS , LLC in the amount of {$920.00}. It was reported by XXXX. In contacting SEQUIUM ASSET SOLUTIONS , LLC they say it is under another person 's name so they will not speak with me. This debt on my credit report has lowered my credit score substantially and cause me serious financial damage. It was put on my credit report starting XX/XX/XXXX and I have already lost over $ 100K as a result.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my Cash Rewards Visa card without any warning. I had a fixed 7.9 % interest rate on that card. I filed a cfpb complaint previously ( Case # XXXX ) which I thought was resolved but not so much. After trying to get a hold of their Resolution Specialist XXXX XXXX XXXX, both via email and by leaving multiple messages, XXXX finally called me back. He told me verbally that he was sorry it took so long to get back to me and that he was approving my request to re-open my credit card at the same fixed interest rate of 7.9 % .a week or two after that conversation with XXXX XXXX I received a letter from Bank of America XXXX dated XX/XX/20 ) stating that they are not able to reopen my credit card! I want this resolved asap, please.

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 2017-01-08
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XX/XX/XXXX I had wired funds to my step brother in XXXX.I had used wire services of Citizen bank.As of today XX/XX/XXXX, 6 weeks later the funds has not been received.I had talked to various people at their wire department since XXXX have been getting conflicting answers from them at the very least and some of them were just plain rude.The XXXX people I talked to most are XXXX XXXX and XXXX ' ( who did not want to give me her last name ) .I had requested them for an identifying number so that recipient bank can trace the money.But all XXXX said was'XXXX ( intermediary bank ) told my brother to get into the recipient bank branch and CLAIM HIS MONEY '.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: Integrated Recovery Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
He called and he started threatening me. He asked why I had n't paid for it since may when I said I did n't work and he called me a XXXX. He started saying that I was never going to have credit and that as a XXXX XXXX XXXX I cant even keep a bill that I was supposed to pay and that he could do it his self. He started calling me a bum and disrespecting me which is n't right never gave me the opportunity to say if I wanted to take care of it. I informed him that I do work.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account on my credit report from Portfolio Recovery Associates, LLC. Please be advised that Im disputing this collection due to the facts That Portfolio Recovery does not currently have a valid license to collect debt in the state of Louisiana according to Louisiana office of financial regulations. I am requesting that you delete this account from my credit or provide me physical proof that they are licensed debt in Louisiana.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
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: Account status incorrect

Complaint:
XX/XX/XXXX both my credit report and husbands showed on XXXX the account was closed with a balance. Called and the lady said oh we are getting a new account # since we did a re-term. 

XX/XX/XXXX is was updated to show open XX/XX/XXXX. 

XX/XX/XXXX they both show closed again on XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My mother and I closed on the home in XXXX XXXX, during this time we were told by the loan officer that the mortgage payment included property taxes and insurance. Our monthly payment was XXXX. Six months later we received a notice to for payment due for the taxes. After corresponding with the realtor and loan officer, we were told that we would not have been financially eligible to afford the additional payments with the loan. We were advised to refinance after residing in the home for a year to receive lower payments. The loan officer asked me to contact her the following XXXX, in which I followed through. I left XXXX voice-mails and never received a return call. My mother and refinanced with another lender as a result. My mother died in XXXX. I was able to continue making payments with the support of family members. In XXXX, I applied for and was granted an Home Loan Modification. I was employed as a XXXX XXXX XXXX from XXXX until XXXX XXXX when my business closed due to lack of enrollments. As of XXXX XXXX, I am gainfully employment, however ; my home is now in foreclosure status. The initial home loan had high interest rate. My mother and I were misguided with the information we received from the involved parties during closing. The refinanced loan also has a high interest rate ; we accepted this loan because we felt we had no other recourse than to move out of the home. Although payments were made up until my unemployment, there remains a large portion due for the first loan. I asking that CFPB would review my loans and find a possible resolution for the balance of these loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: JPMORGAN CHASE & CO.
State: OH
Product: Credit card
Issue: Transaction issue

Complaint:
In 2014 I was contacted by a company named XXXX and offered the opportunity to make money online with their XXXX online business. I paid them {$4600.00} for one years XXXX program and XXXX affiliate pages. I only received XXXX pages and a virtual XXXX download that disappeared from my computer. When I noticed that my XXXX was missing I contacted the company was told that they were relocating out of the country but would still honor their contract. Needless to say, they did not honor their contract. The services were not provided. I was ripped off.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-28
Company: National Recoveries, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
I am being harassed for student loans that are not mine. I had a student loan for {$2700.00}. They are trying to collect {$42000.00} from me saying they are mine. In fact these are my ex wife 's loans. The only proof they can provide is a promissary note with me as the borrower and my ex wife as the co borrower. DOE guidelines States that only a parent or gaurdian can cosign for federal student loans. Which proves that these loans that they are trying to collect are not mine. Being that the cosigner is my ex wife. I agree that i had a student loan and the promissary note is mine but for {$2700.00} only. I have requested the original contracts and promissary notes for those loans and they can only produce 1 promissary note.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: JPMORGAN CHASE & CO.
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase Mortgage sent notice of my case specialist, who I attempted to send verification of employment and loss of income.. The case specialist would constantly lose the information I had sent in stating they never received the documents which would include pay stubs, employment information and so forth. I left multiple messages for the case specialist with no returned phone calls. 
I would like my mortgage to be reconsidered for loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Shellpoint Partners, LLC
State: VA
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: Investigation took more than 30 days

Complaint:
It has been brought to my attention that my credit report has been negatively affected due to a mistake by my mortgage company ( NewRez ). 

I paid a senseless late fee that I should have never been charged and my account is current, yet this company has failed to remove a negative dispute/flag from my credit report. 

As much as I want my {$75.00} late fee back, which was never warranted, all I really NEED is for this error to be corrected so that my credit score can be normalized. I have always had excellent credit until dealing with this company ( NewRez ). 

In over 10 years of owning homes I have never had a late payment. The NewRez processing department failed me and then put all the blame on me. ( All the proof needed is in my credit history and bank records. ) Getting somebody on the phone at NewRez is impossible and further displays their total disregard and lack of customer service. 

I have called and emailed NewRez for months now trying to get this resolved and to no avail -- I can not get anybody to respond to me regarding this matter. 

It feels extremely troubling that I am essentially a victim to the subpar service from NewRez. 

This matter has been ongoing for several months and it needs to be resolved urgently. Unfortunately, I am unable to move forward with other financial matters until this is resolved. 

I sincerely hope that this message reaches someone who can help me. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I paid off a charge-off account at Chase Bank N.A. and noticed that they still have me listed as owing them money on XXXX database. After reviewing my credit report they removed the entry but left it on other Consumer 's Reporting agency 's file. I hereby demand removal on ALL entries and reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had the lowes credit card from XXXX XXXX. Somehow I lost it. I was always on time to pay for this. I asked them to send me another one ... .more than a month back ... nothing came from their side.

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 2020-08-24
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I watch my XXXX XXXX score to see why it went down 40 points. I went the to see that the is a collection from XXXX of {$120.00}. I have an account with XXXX and I always pay my debts. I called XXXX and they have no records that I have any type of debt. I called XXXX as well and they have no records of debt. 
I would like to know why there is a collection in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
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: Account information incorrect

Complaint:
To Whom It May Concern, This letter is formal notice that you have failed to respond in a timely manner to my dispute letter of XX/XX/XXXX, deposited by mail with the U.S. Postal Service on that date. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see 15 USC 41, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX, XXXX ), you may be liable for your willful non-compliance. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. You have 15 days to cure. 
For your benefit, and as a gesture of my goodwill, I will restate my dispute. The following information needs to be verified and, following failure to verify, deleted from the report as soon as possible : 1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
3. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
4. The inquiry was not authorized XXXX XXXX, XXXX. 
Date of inquiry : XX/XX/XXXX Please remove this inaccurate information from my credit report. 
The listed item is entirely inaccurate and incomplete and represents a very serious error in your reporting. Please delete this misleading information and supply a corrected credit profile to all creditors who have received a copy within the last six months, or the last two years for employment purposes. 
Additionally, please provide the name, address, and telephone number of each credit grantor or other subscriber. 
Under federal law, you had thirty ( 30 ) days to complete your re-investigation, yet you have failed to respond. Do not delay any further. 
Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-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 2018-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On or about XX/XX/2018, Capital One decided that it was not going to increase my credit limit even though I told them that my income had significantly increased. Capital One also informed me that my former employee did not commit fraud even though he stole company funds by using the credit card. The total of this fraud is in excess of {$5000.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card
Issue: Balance transfer

Complaint:
I have contacted Chase multiple times about a balance transfer that never went to my credit card account at XXXX credit union. On XX/XX/2016 Chase stated the transfer was sent to the wrong account at XXXX. They opened an inquiry about it and said they would try to get the funds placed in my account. Today it has been over a month since the first contact with Chase. I called Chase today XX/XX/2016 and XXXX said that the transfer was denied due to the account number being incorrect and that I would receive a letter in the mail stating this information and the funds would be refunded to my account. XXXX also said that I could initiate another transfer with the correct information. He could not say when the funds would be refunded to my account only that they are working on it. In the beginning I asked Chase if they could provide me with the account # that the funds were sent to and they said no. I have been making payments for over a month on the same balance on XXXX different cards. Sorry I even initiated the transfer in the first place.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-06
Company: Bread Financial Holdings, Inc.
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an existing account with XXXX - XXXX XXXX - XXXX XXXX. They recently went Bankrupt and closed ALL accounts. Since this happened my credit score dropped 30 points!!!! 
I can not understand how this should affect the card holder when we have no control. I have an excellent credit score. Was XXXX and dropped to XXXX. 
How do we fix this? This is totally out of a consumers control, but we shouldn't have to suffer the consequences of an account going bankrupt!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-06
Company: AFNI INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/2019 I received a letter in the mail with the XXXX logo on it saying that I owed about {$450.00} and my account was suspended until I paid. It had a phone number to call to pay the balance and get my account reinstated. 
I have never had any XXXX account or wireless number associated with XXXX. 
I called XXXX to verify what the charge was, and they had no record of me having any account with them or any debt under my name. They told me it sounded like the letter was a scam so I ignored it. 

Today ( XX/XX/2019 ) I received a letter from afni debt collector that states I owe a XXXX XXXX balance of {$1500.00}. 

I do not have any idea what this balance could be since XXXX does not have record of me having an account there and I have not had any XXXX XXXX account in the past. 

Thank you for receiving my complaint. Please contact me with any questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-06
Company: NAVY FEDERAL CREDIT UNION
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: Information belongs to someone else

Complaint:
I have filed 3 disputes with XXXX  concerning an account that belongs solely to my deceased husband. After my husband 's death, I found out that I was listed as an " Authorized User '' on my deceased husband 's Visa account with Navy Federal Credit Union. I never knew about said Visa account, never used said Visa account, nor do I have any financial obligation or agreement with Navy Federal Credit Union re : said Visa account. I only found out that I was listed as an " Authorized User '' on my deceased husband 's Navy Federal Credit Union Visa account when I called to notify all of his creditors of his death. I even mailed a letter dated XX/XX/2017 to XXXX from Navy Federal Credit Union that clearly states that I was listed as an " Authorized User '' of said Visa account and therefore I am not responsible. I asked XXXX  to completely remove the account from my credit report. They refuse to remove the account. I also contacted XXXX  and they immediately removed it from my report. XXXX  needs to remove the Navy Federal Credit Union Visa account from my report as it is not my account and I am not financially responsible for the account so it is unlawful for them to report an account that I am not legally liable for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-26
Company: EQUIFAX, INC.
State: TN
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:
Today XXXX/XXXX/17 I spoke with a representative regarding the deletion of unauthorized inquiries on my Equifax report. The XXXX inquiries are from XXXX XXXX Bank and XXXX Bank. The XXXX are listed twice from each creditor that I did not authorized. The representative told me I had to call the creditor to send an electronic verification to equifax. So I called to speak with the representative and they told me that equifax should be able to delete them. I called back to speak with a representative of equifax and she told me that she could not delete the unauthorized inquiries.

Company response to consumer: Closed with explanation