BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-15
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Keep getting calls about your loan

Complaint:
On XX/XX/18 XXXX XXXX ( Account Manager ) on XXXX XXXX contacted my boyfriend 's step-mother, claiming that I had her as a contact on my student loan. This is completely fraudulent. I do not have XXXX XXXX as my contact. I am unsure as to how they obtained XXXX XXXX 's information, given that I do not have her phone number, and neither does my boyfriend. Imagine how surprised we were to receive a phone call from my boyfriend 's father that XXXX XXXX was illegally and fraudulently contacting someone regarding sensitive financial situation. https : //www.ftc.gov/XXXX. I have attached the federal rules and regulations regarding debt collection, since XXXX XXXX claims they re not a debt collector, I want XXXX XXXX to pay close attention to the definition of a debt collector. Additionally, I want them to see how they are violating various laws by contacting and sharing financial information with those unauthorized to receive it, " false or misleading representations ( 10 ). '' I have a copy of the audio file sent to Mrs. XXXX from XXXX XXXX. I also have a copy of my promissory note that states the two people authorized to receive my financial information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: EQUIFAX, INC.
State: FL
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:
Equifax and XXXX are reporting me as 120 days past due on the XXXX XXXX XXXX and XXXX - partial account number : XXXX. These accounts have a {$0.00} balance and {$0.00} past due. This is harming my score. I have disputed this directly with the two bureaus but the coding has not been corrected. It is impossible to be late on payments to an account that has a {$0.00} balance and {$0.00} past due amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I've been dealing with this issue now since XXXX & have yet to receive a resolution. i filed a dispute with all 3 credit bureaus in regards to 3 late payments on my XXXX  XXXX account. XXXX  did not respond within their 30 day time frame so all 3 bureaus deleted my healthy tradeline that i had for 4 years & have paid off to a zero balance. I have spoke to XXXX XXXX executive office who claims that they are working to fix the issue & it has been months & there is still no resolution, XXXX XXXX is fully aware that a resert needs to be submitted to all 3 bureaus so my account can start reporting again. this is my last resort i made a complaint with CFPB over a month ago & the FTC & they was instructed of what to do & nothing had been done.

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 2018-09-15
Company: JPMORGAN CHASE & CO.
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 information incorrect

Complaint:
XXXX XXXX VISA CREDIT CARD FROM CHASE, XXXX XXXX ACCOUNT WITH XXXX ONLINE SERVICES AND PERSONAL CHECKING ACCOUNT FROM XXXX XXXX WER ALL LINKED. A XXXX PAYMENT EITHER NOT RECEIVED OR PROCESSED BY CHASE CAUSED A 30 DAY XX/XX/2018 NEGATIVE REPORTING FROM CHASE TO CRA 'S. I FOUND OUT ABOUT THIS ISSUE ON XX/XX/2018, I WAS NOT CONTACTED ABOUT NEGATIVE CREDIT REPORTING VIA NOTIFICATION BY CHASE. 
THE 30 DAY ADVERSE ACTION CAUSED A CREDIT REDUCTION, FEES, ADDED FINANCE CHARGES, A REDUCTION IN CREDIT AVAILABILITY TO A DECLINE FOR CREDIT A CREDIT RATING IMPACT. I CONTACTED CHASE ABOUT XX/XX/208 AND WAS TOLD THEY COULD NOT DO ANYTHING, THEY DID NOT OFFER A ONE TIME GRACE PERIOD OR ANOTHER REMEDIATION.THIS IS THE SECOND CHASE PRODUCT THAT SUFFERS FROM BILLING ISSUES, REPORTING ISSUES AND NOTIFICATION ISSUES FACTA, FCRA, CONSUMER PROTECTION LAW, IT IS WITHIN THE PENUMBRA OF THE ESTABLISHED CONCEPT OF UNFAIRNESS. I REMIND CHASE OF THE CFPB CONSENT ORDERS AGREED TO BY CHASE, FILE NO XXXX- CFPB- XXXX AND FILE NO XXXX- CFPB- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for Mortage loan my credit score was more then enough but he trying to make me pay off older debt from XXXX stuff like for XXXX bucks when no other places require me to do that and i feel like he did it because iam XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Grant Mercantile Agency
State: CA
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:
Ive disputed this {$410.00} collection with XXXX and it was removed, it will not allow me to dispute with XXXX  and is telling me my information is incorrect and this is stopping me from buying a home for my family and need this removed immediately and have no idea what this is. I never received a bill or proof with my signature that this is even my bill

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: Experian Information Solutions 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: Reporting company used your report improperly

Complaint:
A REPORT FROM EXPERIAN XXXX FROM XX/XX/2018. EXPERIAN DOES NOT HAVE MY CONSENT AUTHORIZATION AND THIS SERVES AS A CEASE AND DESIST TO HOLD, GATHER, ANALYZE, PACKAGE SELL OR OTHERWISE CREATE COMMERCE WITH MY PERSONAL INFORMATION OR CREDIT INFORMATION. EXPERIAN SHOWS A LACK OF SAFETY WITH OTHER DATA BREACHES AND NO REMEDIATION FOR CONSUMERS.SELLING MY INFORMATION TO ANYONE IS ILLEGAL YOU ARE VIOLATING MY PRIVACY, THE RIGHT TO EQUAL PROTECTION AND THE RIGHT TO SELF DEFENSE. ALL SOFT INQUIRIES ARE TO BE REMOVE ASAP, OR I WILL PROSECUTE THE ISSUE MYSELF.

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 2019-01-10
Company: EQUIFAX, INC.
State: NJ
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 have tried to contact XXXX/XXXX / equifax on updating my credit report and contact the dispute center with success, they disconnect after being on hold for 20 minutes addtionally i mailed them the complaint with NO response

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went XXXX XXXX XXXX, I was offered to apply a credit card to make my purchases. I applied with synchrony bank and was offered a credit card on the spot. I made purchases costing {$2100.00}. I started my payments as scheduled each month through my bank 's bill pay program and I was always on time with them. In my mind I had a certain month when I pay off this card. In the meantime, early on they increased my credit line and I called them stating I do not want this increase. So after making {$1500.00} and some payments to the bank last month ( XXXX I opened the bill and I owe another {$1500.00}. I thought it was a mistake so I called and explained myself, the lady transferred me to the manager who said that I went past the promotional period of 1 year of paying without interest that is why. I started making payments in XX/XX/XXXX and I told him I was not aware of that. Even if I past a year which is in XX/XX/XXXX now, it's just been 2 months why this much interest of {$900.00}, asked to review their interest did not get anywhere and called for the second time, did not resolve my problem. I decided to file this complaint because I do not have the money to pay this bank for this much interest on the furniture bought last year. Please advise to review their interest because it is not right. Now they charging me {$43.00} of interest each month on top of the {$900.00} they have already charged. Please this is not helping me at all, I understand banks make interest but at the same time it has to be reasonable. Please plead for my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-14
Company: AMERISAVE MORTGAGE CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Refinance loan not closed after 75 days. Applied for and started my refinance loan process with Amerisave on XX/XX/XXXX. Clean file with excellent credit and was told should close within 30 days. Appraisal was done 7-10 days after application was submitted. Asked for an update at the 5 week mark ( XX/XX/XXXX ) hoping to get a closing date and I was told that loans are taking 60 days to close but my file is gettng closer to closing and I should expect closing to happen by end of XXXX. A week later a got a call from another loan officer, informing that my loan officer has resigned and new loan officer will be taking over my file. The new loan officer made multiple changes - reduced cashout percentage, increased rate etc. I agreed as changes  were not that significant. This was XX/XX/XXXX, almost 50 day mark and I asked for an update and was told that its awaiting to be assigned to an underwriter which contradicted previous loan officer 's statement from XX/XX/XXXX that my loan was getting closer to closing. 
I have emailed everyday but have not gotten a definitive answer on when my loan will be closed. All I hear is you are in queue. I have been in queue for last 75 days without having conditional approval from underwriter Anytime I ask for an update I get the standard response of " hello yes, soon, hold tight, we will get you closed soon. Absolutely unacceptable! I've done numerous mortgages none of which has ever taken more than 60 days.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: Bread Financial Holdings, Inc.
State: CA
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:
I made a credit card payment on XX/XX/20 by the due date of XX/XX/20. The automated system said it was successful and funds would be taken from my account on XX/XX/20. I received my new statement with a late fee of {$27.00}. I contacted both the credit card company and the bank but they would not reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-15
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I will make this short. I took out a loan to rid myself of debt. XXXX XXXX XXXX issued the checks for payees. After over a month I was told the check cleared. The check did not clear to the correct payee. Somehow Barclay Bank cashed the check. As you will see on the back of the check Barclays. 
Called Barclays Bank was told the do not see Any check for $ XXXX-Also they have no real way to check this. In todays world no way to check for a check! Wow I need help the check cleared ( Ihave the proof ) I have been to XXXX Hospital 2 times in less than 30 days. This whole thing is stressful!! I take my credit very serious so when Barclays keep they have no way of check this extremely disturbing. I can not longer handle this my XXXX hurts!! 
Hospital visits can b proved!! No more stress get it together.Barclays

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 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/XXXX I sent a certified mail return receipt letter to both XXXX  and XXXX  pursuant to my consumer rights listed in the Fair Credit Reporting Act. I have called and used mobile apps to submit disputes to no avail and my consumer rights were violated. Per the Fair Credit Reporting Act 15 USC 1681a ( 4 ) the consumer has a right to privacy and both XXXX  and XXXX  have violated that right. Written consent was not given to either company to harness my personal identifying information which includes my credit card account ( social security ). XXXX  and XXXX  are not government agencies and have a grave responsibility to the fairness, equity, and respect to a consumer. Also, per the Fair Credit Reporting Act, 15 USC 1681a. ( 2 ). ( b ) - any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ; shall be excluded from the consumer report. Both XXXX  and XXXX  are in violation of 15 USC 1681a. ( 2 ). ( b ) for having these extensions of credit listed on a consumer report. To further attached to this complaint are my written instructions as they pertain to me, the consumer, pursuant to 15 USC 1681b. ( 2 ). To further all items listed on the consumer report for me, XXXX XXXX, stated that the companies are the creditors which is false and misleading as I am the creditor per the Fair Debt Collections Practices Act. I demand all of my information be removed from the systems of both XXXX  and XXXX. Lastly when I submitted a request for deletion before the account was returned as verified. Per the Fair Credit Reporting Act who was interviewed to verify any first hand knowledge of accounts.

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 2018-09-15
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent two certified letters to CA for validation and they sent me a copy of a bill. And that according to the Fair Debt Collection Practices Act, I have the right to ask them to send proof of that debt. The Fair Debt Collection Practices Act, a federal law regulating debt collectors, allows consumers to request the debt collector to send proof of the debt through a process called debt validation. 
A copy of a bill IS NOT proof of debt. I also stated they were violating my rights under the law put in place to protect consumers and I demand proof of this debt or delete it from my credit reports immediately.

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 2017-06-15
Company: Paypal Holdings, Inc
State: AZ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On  XXXX   XXXX ,  2017 , PayPal restricted my account  XXXX  XXXX  XXXX , because the associated   XXXX    account,  XXXX , was restricted by  XXXX  earlier that day. The  XXXX  account had all its listings removed and was restricted indefinitely due to fraudulent infringement claims filed by an   XXXX    competitor. The same competitor had been filing similar false infringement claims for over a year. On  XXXX   XXXX , I contacted  XXXX  to make them aware of the error. On  XXXX   XXXX ,  XXXX  admitted they erred and restored the selling privileges for the  XXXX  account and reinstated all the listings which were removed.     I then contacted PayPal by phone to have the hold on my funds removed, but was told by the PayPal rep that the hold couldnt be removed because the  XXXX  account was not in good standing. But the   XXXX   account  WAS in good standing, having already been restored. I followed up with emails to aup.paypal.com  on  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  and  XXXX   XXXX . To date, the only response provided by PayPal is that the account will remain restricted due to violations of Paypal 's User Agreement.     To be clear, the hold placed on the PayPal account was a direct result of a mistake made by  XXXX .  XXXX  admitted the mistake and reversed th e action they took due to the mistake. However, PayPal will not reverse the action THEY took due to t he mistake.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-15
Company: Experian Information Solutions Inc.
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 been writing to Experian and XXXX since XX/XX/2017 regarding a CC bill from XXXX XXXX. The last collector for their account was XXXX XXXX I have gotten a letter from them stating that due to the information that I have sent them they have closed the account but Experian and XXXX still refuse to remove the charge from my credit 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 non-monetary relief
Consumer complaint received 2019-01-10
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The following Creditors XXXX XXXX XXXX, Discover and XXXX XXXX have " charged off '' my debt to the IRS ( not to be confused with discharged due to bankruptcy ) they are listed on my attached credit report line item # 3 XXXX  ) line item # 8 Discover ) and line item # 13 XXXX XXXX. I have attached the bankruptcy documents signed by Judge XXXX. Since these creditors had already charged off the debt prior to the settlement, these funds forwarded to the banks by the trustee need to be returned to the estate in full and closed out. The addresses and contact information are included on my attached correspondence. Thanks you in advance for your help with this situation. regards, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-23
Company: D. SCOTT CARRUTHERS
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
XXXXXXXX XXXXCalled my job @ XXXX on XX/XX/18. Harassing : Rude, Hung up on me several times. Threatening to sue me and garnish wages. I am not allowed personal phone calls.Never discussed any other option. Just very rude and yelling.

Spoke to D Scott Carruthers : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: Santander Consumer USA Holdings Inc.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
Somewhere XXXX & XX/XX/2018 I called XXXX XXXX to Place a complaint due to they report me delinquent on my credit report when I was never late my payments were made thru a 3rd party company from the dealership I made all payments and I have proof I disputed on credit report look like it was ok. I was denied a promotion due my credit was low due to fraudulent being reported and my credit card companies were now lower credit limits as I was be seen as risk when I pay my bills on time now this has cause undo stress financial loss of income as well as my credit taking a big hit. I consult with attorney whom told to try and handle it before doing intent to sue now it's doing the same thing again as its providing from getting new apartment and the embarrassment that comes along with this illegal reporting wrongful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-16
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
this issei is between XXXX XXXX XXXX  XXXX XXXX ct and XXXX XXXX and me, when i trade XXXX XXXX XXXX with over maileg and XXXX XXXX ADEED IT TO MY NEW MONTHLY PAYMENT IT WAS ABOUT XXXX DOLLAR but XXXX XXXX trying to force me for amount of XXXX that amount is over maileg and the rest is tax and this amount i already bay about 900.00 to XXXX XXXX XXXX and i have all decominte but they insist that balance of XXXX stel not bed tile naw. and toyota motor credit corporation sent me a letter on XX/XX/XXXX. XXXX. XXXX ACCT # XXXX, CREDITOR ACCT # XXXX, ACCOUNT BALANCE:XXXX. I HAVE ONE YEAR  GOING TO XXXX XXXX XXXX TO HELP ME BUT EVERY TIME I WENT THAR THEY NOT GIVE ME ANSWER THEY SED DO NOT WORRY WE WILL TECAR OF THAT. WHAT I CAN DO I NEED HELP PLEAS, THANKS XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, CT

Company response to consumer: Closed with explanation