BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX and one from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized 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 2020-06-29
Company: EQUIFAX, 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:
I am filling this report because I was made aware of two accounts reporting on my credit that are not mine. The reason I even had my credit ran today XX/XX/20 is because I am trying to help my daughter get a home loan as her co-signer but when the loan officer ran my credit he told me there was an account from XXXX XXXX XXXX  XXXX anXXXX XXXX from XXXX XXXX XXXX reflecting badly on my credit and that I would not be able to co-sign. I did not open either of those accounts nor did I allow anyone to open them on my behalf ; I did not benefit anything from those accounts such as money, goods, services or any other benefit nor did I contribute to any payments that might have been made towards these debts. I have never applied for an account with these companies nor am I affiliated to them in any way. I have already filed a police report as well as a complaint with the Consumer Financial Protection Bureau regarding these unauthorized accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/XXXX, I discovered that i could no longer transfer money from my unemployment debit card to my bank account. This is problematic because I specifically choose the debit card for this feature, as I pay my rent through a check and the direct deposit system was so buggy. 

The fee to transfer is still listed in the fee schedule and Im now informed that all transfers are now not possible, even over the phone. This feature being frozen ( without any notification ) changes the terms we agreed to, and freezes many people out of their money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: SYNCHRONY FINANCIAL
State: NY
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:
Synchrony Closed my credit card just recently without any advanced notice. Fees were issues on my account when their system was broken and on multiple occasions I was not able to login to my account. I had to change my username and Password more than 20 times and not able to connect my bank account to their credit card. I was charged total fees of XXXX as a result of their faulty technology.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Capital One Venture card on XXXX XX/XX/XXXX. I was approved for the credit card on XXXX XX/XX/XXXX. According to the company, the card was sent on XXXX XX/XX/XXXX. I received an email on XXXX XX/XX/XXXX that it would arrive by XXXX XXXX. 

However, the card took several weeks to arrive at my home address in Colorado. 
I work XXXX  and the card and full terms and conditions and welcome package did not arrive before I left. 

The account did not show up on any of my internet banking. I received one email that the card had been approved. I received no emails or other form of communication that the account was open or activated. Once I arrived back home in XX/XX/XXXX, I was able to receive the physical card and the full terms and conditions. It was only then, with the physical card, that I was able to call the company, activate the account, and use the card. 

Once I activated the card on XXXX XX/XX/XXXX, I spent {$5200.00} within XXXX, XXXX, XX/XX/XXXX. 

Per the terms and conditions, as advertised repeatedly to me : Earn XXXX bonus miles once you spend {$3000.00} on purchases within the first 3 months from account opening ( 1 ) 1 ) This one-time bonus is available by clicking the Apply Now button on this page, and may not be available if you navigate away from or close this page. The bonus may not be available for existing or previous account holders. 

The company is not clear about what they meant in the terms and conditions by " account opening ''. To me, it seems logical that " account opening '' should be the time when I was able to activate and use the card for purchases and after the account showed up on my internet banking portal. Within the time required, I spent well over the minimum spend required by the terms and conditions. 

The opening date of account is considered by Capital One as XXXX XXXX, even though they are unable to tell me when the card arrived at my house or how long the card spent in transit. Thus, the length of promotional offer was not as advertised. 

Although multiple people at the company have said they can see from my perspective how the advertising was unclear, Capital One has refused to consider my bonus rewards request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: JPMORGAN CHASE & CO.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have two credit cards with Chase. Total balance about $ 20k. I never get this much in debt but the CC amounts are so high because I had to move to support a family member who is sick and then the virus hit which meant a loss of income and I struggled to pay the interest and debt. I did the 3 month standdown of payments chase offered during the virus but they still charge interest which I have to pay later!!! So there is no gain. Talk about morally corrupt. They should have not charged interest. Chase is getting money at almost 0 % with big government subsidies and are still charging 17 % on CC 's! 
Since the virus hit, I've contacted Chase about 8 times - both by online messages and phone. I've spoken to numerous departments. The only offer was to close the cards and put me on a 5 year plan at 12 %. This will be about $ 10k in interest! 50 % of the debt!!! Still robbery. And to close the cards seriously affects my credit report which I'd like to avoid. 
I've always paid my debts in my life, never been bankrupt, and been a good customer of theirs for over a decade. It is reasonable in this trying times of the virus and economic shutdown to get a compromise solution from them. I've asked them to lower the interest rates on the cards so I can manage to make the payments. Another bank I had a card with did this and I paid it off. However chase has refused. They should be reducing interest to those in trouble to single figure interest rates. Which is still way higher than the bank rates and covers the risk of unsecured debt. 
The Chase department that deals with negotiating debt advised me to declare bankruptcy!! I asked them a couple of times if I was hearing them correct and they said they had no options for me other than advising me to declare bankruptcy! I'm reaching out and trying my hardest to deal with this debt in a reasonable way and asking them to compromise and lower the interest rate on the cards and they refuse. I do not want to walk away from the debt but Chase needs to be more lenient in these troubling times and meet me half way. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I have 4 accounts with Midland Credit Management and they refuse to work on a pay off they want a down payment of XXXX and I told them I can only do XXXX as a down payment and a monthly of XXXX which is what they asked or XXXX which is what I offered and they refused ... .. They are not working in good faith for a difference of only XXXX dollars that they can break up over into the payments. Mind you THEY OWN THE DEBT which they bought from the creditors .... I refused to be pushed into such a big downpayment, so I hung up on them ... ..PLEASE Help because I want them to accept the settlement and delete this off my credit as they stated they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES 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: Old information reappears or never goes away

Complaint:
I had debt with XXXX  XXXX which was closed with a status of paid/closed never late. Portfolio Recovery Associates ( PRA ) purchased the account. PRA is still reporting this debt as open and derogatory when according the FCRA this debt has passed the 7 year allotted time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: CURO Intermediate Holdings
State: TX
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:
I was reviewing my credit today and an inquiry for XXXX appeared on my report. I don't know who this is and I have been actively cleaning up my credit so I have not made any inquiries in over 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-25
Company: WELLS FARGO & COMPANY
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
From XXXX through XXXX I had a VA loan serviced by Wells Fargo. During the 4 years, Wells escrowed my property tax and hazard insurance payments. In those 4 years, my property tax bill went up 18 % and my hazard insurance went up 20 %.

My Wells escrow went up 81 %! There are 4 reasons this happened : 1- Wells escrowed the hazard insurance even though a H O A master policy made that unnecessary.

2- They paid the hazard insurance 12 months in advance, going into the next year, rather on a monthly schedule, then claimed I was up to 11 months short in my account. 
3- They paid my property taxes a month early before the XXXX and XXXX due dates, then claiming I was a month short in my escrow account each time. 
4- Wells offered to increase my monthly escrow by 1/12th of the shortage to catch up. 
They started this in XXXX, but then reassessed the escrow account in XXXX of the next year, adding another shortage to my balance. In one year the shortage went from {$170.00} to {$970.00}. 
I'm on Social Security and a VA XXXX wage. I have the paperwork. My question is, can they do this legally? It would eventually overtake my ability to pay the loan. 
Thank You, XXXX XXXX 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 2018-12-25
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I would like to know why do I have to pay back interest on my student loan. I have a forebears until my case end my be up to 2 years, because my school misled me and closed down. i have a case with the federal borrower defense. It's been 8 months. I don't know why i have to pay navient interest on my loan for something that not my fought.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My original mortgage company, XXXX XXXX, transferred my FHA loan to Lakeview Loan Servicing several months ago. I send my check mid-month ( before the due date on the XXXX ). I don't get the statement from them until the middle of the next month. This month, my bank statement showed my check ( sent XX/XX/XXXX for {$1200.00} ) did not clear. I called the mortgage company. They couldn't find my check. I canceled the first check and sent a replacement check on XX/XX/XXXX for the same amount. It has been 9 days ( all checks cleared in under 8 days before ). What am I supposed to do if this company is so incompetent that they can't process my checks properly? I've called, I've emailed and got the response that they are looking into this ... .I have excellent credit and will not have my rating damaged by them. How can I get them to process my payment on time and send my statement in a timely manner? Thank you. checks sent to XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: United Collection Bureau, Inc.
State: HI
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am writing to inquire if you could help me with an aggressive collection company named United Collections Bureau. 

The credit card debt from my XXXX  XXXX XXXX XXXX card ending in ==== was originally sold to a company named XXXX XXXX. 

They have sold my debt to several collection agencies or attorneys. I started paying on this debt which was over {$10000.00} in XXXX. I have always been consistent in my payments. 

I am XXXX and work part time as my condition permits. I have limited set income each month. 

In XXXX, United Collections Bureau took over the debt and demanded I pay XXXX per month for their two year contract because their contract was up in two years and they threatened a new company would make me pay a larger monthly payment. 

Since United has taken over the debt they have bullied me into thinking I had to pay them as high at {$130.00} per month in order to keep my account current and no action to be taken. 

Since COVID 19 they have not offered me any payment deferrals and I begged them to lower my payment to {$50.00} which is still hard for me to pay. 

In XXXX, they agreed that they would lower the payment to {$50.00} dollars per month for the duration of the debt, but when I received my statement, they raised my monthly payment to XXXX beginning in XXXX. This is not what I agreed to. And since I have been out of work due to COVID 19 the XXXX dollars is not doable any longer. 

All I can pay at the most is {$20.00} per month. 

I have been faithfully paying this debt since XXXX, some agencies that I worked with were kind and let me pay {$20.00} per month. But my debt keeps getting tossed around to different agencies and I believe I am being taken advantage of, bullied, lied to and scared into doing whatever they demand. 

Why if I have consistently paid the debt for more than XXXX years, should I be hounded by people who have bought my debt for pennies on the dollar? 

Is there any action you can take in helping me reach a fair monthly payment, or letting me know since this debt is so old if its past the statute of limitations and should be expunged. 

Any guidance you can give is greatly appreciated.

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 2018-12-25
Company: Experian Information Solutions Inc.
State: NC
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:
In XXXX of 2018 I submitted a dispute through the mail for accounts and also inquiries that were fraudulent and showing on my credit report. I would like these items to be reviewed removed and blocked. As a victim of identity theft and because of these unauthorized accounts I am unable to obtain legitimate accounts for 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 2020-06-28
Company: BARCLAYS BANK DELAWARE
State: CO
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:
I opened a Barclays Uber Credit card some time ago. I haven't used it much recently since they changed the terms to make it basically useless for anything except Uber, and given that we're in the middle of a pandemic, I haven't travelled recently be it for work or personal reasons. With no warning they closed my account, because obviously it's perfectly fine to expect your customers to put their health at risk to travel just to use your card -- according to them it was closed in XXXX because of a 'inactivity in the past few months ' which is well with in pandemic range. This was annoying enough since I got exactly zero information that this was about to happen ( no, I received no letter from them ), but they've also declined to reimburse me for the credits I still have with Uber. Under the circumstances this is the very LEAST they could have done. I contacted them multiple times ( email -- as I've noted below I can't even get a person on the phone ), but despite the credit still being listed on the very first page of my account, per their response 'we don't see it on your UBER Visa Platinum Account '. They also closed the message chain making it impossible for me to reply despite requesting that I do just that. The credit is a small amount so there's no good reason why it shouldn't have been immediately refunded even without my request, especially given how poorly the closure was handled. I've attached snapshots of the message where they claim they can't find it ( and then ask me to reply when the notice at the top clearly states that the message chain is closed ) as well as the main page of my account which clearly lists the credit that they somehow can't find. I've also tried contacting them by phone, only to be told that there's no one who can help with my account -- not that there's a long wait time, that their automated system literally can't connect me with a person. So this is my last remedy.

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 2021-07-19
Company: Shellpoint Partners, LLC
State: AZ
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:
The company continues to report my previous mortgage ( Shell-point ) as foreclosure and it was a short sale, that is inaccurate as was not a foreclosure, my next step will be filing a lawsuit if the account is not removed immediately. I have sent countless letters and disputes and continue to be verified as accurate.

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 2020-09-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
This account was purchased by another lender now its reporting twice on my two of my reports

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 2018-12-25
Company: Alco Collections, 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 moved out of XXXXXXXX XXXX XXXX on XX/XX/18 and took photos of the apartment since no one did a final walkthrough. I paid a XXXX dollar convenience fee for carpet cleaning and thus did not clean carpet. Over a month later i received a bill for carpet replacement with no itemization or photos. I attempted to dispute as well as offered to set up a payment plan. I was refused a payment plan by XXXX XXXX. Apparently this was sent to collections with no notification to me. I attempted to call also collections to figure out payment and was abruptly hung up on. I do not trust this debt collector to take my money as he is highly unprofessional. He has sent no notice no bill and I have no idea how or where to send payment to get this fraudulent charge off my credit. There were no rips tears or stains in carpet

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
We received an insurance claim check from our homeowners insurance to repair our roof. Our mortgage company Pennymac Loans will not endorse and release our claim check, while our roof is literally falling down around us. Ours is not an isolated incident. Pennymac is notorious for this practice. Class action lawsuits have been filed against Pennymac for this reason.

Company response to consumer: Closed with explanation