BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-22
Company: JPMORGAN CHASE & CO.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was inquiring about a loan modification. I called the bank and was told that wasn't a option. I then started the short sale process but seem to get the run around with the company that was servicing the mortgage for XXXX XXXX XXXX. So the house went into foreclosure and the bank never served me court papers for said court date. I only was made aware of this process while doing a court search myself. I was going through the paperwork filed to the courts and realized that XXXX XXXX XXXX filed fraudulent paperwork to obtain this foreclosure in the first place. I filed a motion to ask the court to look at this matter but they couldn't do anything to help. 

I have attached a copy of the filing that I submitted and page 6 through 10 are the paperwork that XXXX XXXX XXXX submitted to obtain the foreclosure in the first place. If you look that the motion you can see where they cut and pasted parts of the contract to help them obtain the foreclosure. The contract on page 8 ends with paragraph 11 and then on page 9 it starts with paragraph 18. They cut out 12 through 17 in the  contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This entity has not contacted me regarding any debt owed. I have never heard of the organization, so I have no affiliation with them or the creditor they bought the alleged debt from. 

This is on my credit report as a " charge off ''. This is not my debt. And I am demanding it be removed immediately as it is injuring my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Unable to resolve disputes via XXXX. XXXX  and XXXX  : Adverse account : XXXX XXXX XXXX  XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX Balance : XXXX dollars.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-22
Company: EdFinancial Services
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 status incorrect

Complaint:
Account showing a 90 day late payment. Account was never 90 days late. It was always in deferrment. Even payment history shows account was current month before, then all of a sudden 90 day late payment. This is inaccurate reporting and needs to be removed immediately from all credit bureaus. See attachment from XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
PORTFOLIO RECOV ASSOC # XXXX ; XXXX ; XXXX I'm unware of these accounts and did not have the opportunity to dispute them. Please provide Validation of Debt, Assigment of Debt, and Method of Verification.

Please provide the " certfied mail receipt '' showing I have recieved the notification, per the law. 

Please provide all request listed or you will be in violation my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-24
Company: Southwest Credit Systems, L.P.
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 information incorrect

Complaint:
Below is my previous complaint and also the company response. I requested original contract with my signature at time that i received services and proof and authority that XXXX XXXX XXXX can lawfully collect any monies from me but i haven't yet received any of the requested documentations. 

YOUR COMPLAINT I reported an inaccurate information on my credit report, put on there by Southwest credit systems, L.P. they said my balance was XXXX XXXX dollars, now after my complaint they responded and also uploaded few billing statements with my name and my former address on it, this could have been made up, it also shows inaccurate break down of service they claim i had at a former address, i have been harassed with all sorts of promotions from XXXX in the past but only remember getting internet service that was paid for on time and cancelled when i moved from my old address. The billing information they uploaded is very inaccurate and i kindly ask that they provide a full contract with my signature before accepting service that they claim i owed them {$58.00} dollars. Once again i will like to see a contract and i also will like to see documentation giving Southwest credit systems lawful rights to collect any kind of money from me. 


responded STATUS Company responded on XX/XX/XXXX RESPONSE TYPE Closed with explanation Company 's Response Complaint Number : XXXX Consumer Name : XXXX XXXX XXXX XXXX. Response Date : XX/XX/XXXX Southwest Credit Systems , L.P. ( " SWC '' ) is in receipt of the above-numbered consumer complaint. SWC takes all consumer complaints seriously, and is grateful for the opportunity to respond. On XX/XX/XXXX, XXXX contracted SWC to collect the unpaid balance of {$58.00} from XXXX XXXX, XXXX, PA. According to XXXX, the account became delinquent XX/XX/XXXX. On XX/XX/XXXX, XXXX received XXXX XXXX first CFPB complaint regarding his account ( reference # XXXX ). On XX/XX/XXXX, XXXX answered XXXX XXXX complaint and provided account validation per his request. The bill copies XXXX XXXX received were provided by XXXX for services rendered. XXXX also stated, We do not have signed contracts for our residential customers. SWC will continue to work with XXXX and XXXX XXXX to resolve this matter. SWC is compliant with regulations regarding collections and credit reporting. If XXXX XXXX or the Bureau has any further concerns, they may reach SWCs Executive Relations department directly at ( XXXX ) XXXX or XXXX. XXXX XXXX Compliance Southwest Credit Systems , L.P .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Convergent Resources, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received letter from convergent outsourcing stating i owe XXXX from XXXX. I have a XXXX balance with XXXX. I noticed on the XXXX help forums that this company routinely tries this scam with hundreds of people with no impunity from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
Have tried several times to explain my identity was stolen. This card could have been part of that issue. I had offered several times to make a payment on account to satisfy debt. Because if it's mine or not it's destroying my credit. My bill was around {$2300.00} since then I get calls 6 to 10 times a day. They report this is a reminder to pay. That's bull! Now with their added late fees and interest they continue to add to a closed account. The bill is way over {$4400.00} and it has no sign of stopping. 
I am planning on handing this to an attorney. Their tactics are aggressive and careless with no resolution except their terms. Under the far debt collection act I am protect from them being XXXX. They can make this right or be in court and prove I made these charges.

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 2021-03-25
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
In XX/XX/2020 we had an issue with unfreeze my Equifax account, they made me call to obtain the unfreeze and then froze it again. 

We are doing this to try and obtain a loan. 

We once again tried to unfreeze the account with Equifax yesterday and again today. 

After going through all the steps once again, I was refused access and then called again provided all the verifiable information and even the representative could not give me access without supporting documents. Refuse to send the original documents since this credit bureau Equifax was hacked and is the only one out of the three that I have any issue with. I am able to access the other two without any hassle to freeze and unfreeze.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: Experian Information Solutions Inc.
State: KY
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:
I paid off the account in full in XX/XX/2021 and on XXXX  and Experian still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.

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 2021-07-11
Company: EQUIFAX, INC.
State: KY
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:
I paid off the account in full in XX/XX/2021 and on Equifax and XXXX  still showing a balance of {$1600.00}. Should be a XXXX  balance paid in full in early XX/XX/2021. I disputed this multiple times and it was never corrected.. 

Please update the account to the credit reporting agencies as paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
Company: CITIBANK, N.A.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Credit Card account holder is deceased as of XX/XX/XXXX. Citibank charged {$99.00} annual fee to the account in XX/XX/XXXX, no payment was made since account owner is dead. I contacted Citi probate department but no action was taken. They have reported delinquency to Credit Reporting Agencies even though the account is closed with no dept. I was an authorized cardholder and this has negatively affected my credit score.

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 2020-08-23
Company: Merchants' Credit Guide Company
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This debt is not mine. Merchants Credit Guide has the incorrect individual.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-30
Company: Credit Plus Inc
State: NM
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:
At fault party : Credit Plus My home loan lender, XXXX XXXX  in XXXX, NM, requested a credit report supplement from Credit Plus to reflect that I have and still am making payments on my student loans since the federal government has placed everyone in forbearance due to COVID-19. On XX/XX/XXXX I called Credit Plus and spoke to Agent XXXX who said that she would conference me with XXXX XXXX ( student loan lender ) so that my credit report would reflect payments made instead of no payments made since my bank statements and credit report reflect a payment amount and I spoke to XXXX XXXX agent XXXX who confirmed that I am not only making payments, but above the minimum {$0.00} set by the forbearance status. XXXX asked XXXX questions such as : 1. What my student loan account balances? 3. When and what was my last payment are on each account? 4. When are the next payments? 5. When am I expected to pay back loans, etc.? XXXX answered all questions, confirmed I am making payments and that I wont owe anything on each account until XX/XX/XXXX. Per XXXX, she would adjust my credit report comment that I am making payments and send the new report to my lender and officer XXXX XXXX. After XXXX received the report, she notified me that Credit Plus still did not make changes to reflect that payments are being made even though my bank statements show that I have and still make payments and verification with XXXX XXXX. My credit report is still showing the comment no payments made after verification and spending an hour on the phone with XXXX and XXXX. XXXX failed to make changes to my credit report when she said she would. XXXX didnt even have her questions prepared and she had to put XXXX and I on hold three times to ask her leadership what to ask me, during the conference call. I believe this unchanged credit report is part of discrimination and intentional.. XXXX not only failed to update my credit report but she was being coached to asked questions that had nothing to do with the supplement requested by my lender. This is delaying my ability to get my home loan, it is unprofessional and part of structural racism. I asked XXXX for a copy of the questions she asked during the conference call and the information she received from me. She said she would send it to the lender instead of emailing it to me to withhold this discriminatory practice. The reference number to my case with Credit Plus is XXXX Resolution : THE REPORT SHOULD BE SAYING THAT I AM MAKING PAYMENTS SINCE I AM MAKING PAYMENTS ; confirmed by my home loan lender and student loan lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-22
Company: Navient Solutions, LLC.
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: Investigation took more than 30 days

Complaint:
Over the last couple of years I fell upon a tremendous financial hardship in that my XXXX XXXX   causing me to lose my job and file for XXXX ( which still has not been approved ). I advised Navient on my conditions and a forbearance agreement was animated on my account sometime in early 2017. Ultimately I was forced into bankruptcy. Navient was aware of my bankruptcy proceedings. shortly after my bankruptcy was discharged I AGAIN explained to Navient that my financial condition was no better than before my bankruptcy began and that I would need a more realistic solution to my hardship without it affecting my credit. They never offered me any type of a ZERO payment solution. What I can't understand is how our government allows for all this XXXX. 1st the XXXX of a private school loan not being discharged in a bankruptcy with my hardship conditions is flat out extortion supported by our lawmakers. Our Government  needs to publicly advertise that if you take out a private school loan you are better off owing the mob because at least the mob will forget your loan when they realize you can't pay. 2nd how does Navient get away with not offering a more " realistic '' solution like " NO MONEY PAYMENTS '' until ones financial situation changes? anyway enough with my rhetoric. One good thing that came into my life was my fianc. Last month he saw the torment I was going through and he made arrangements to pay off my school loan, stating " our government is designed to enslave it's people by design always was and always will be ''. HE IS 100 % CORRECT I '' VE LIVE THROUGH IT. In closing I asked Navient on numerous occasions to correct my credit reporting on the 120 days late payments to no avail. REAL RUTHLESS ORGANIZATION! So here is what brings this correspondence. Now my credit report reflects that I have paid my loan to Navient and the account is now closed. BUT MY CREDIT SCORE WENT DOWN AS A RESULT OF PAYING IT OFF AND THE ACCOUNT NOW BEING CLOSED. How is possible that I couldn't pay {$80.00} dollars a month for 4 months and that diminished my credit worthiness to garbage status and after I payoff {$3300.00} due to Navient that it goes down even further with the credit reporting agencies. Obviously it all must be by design, correct? Navient has received ALL the monies they were do inclusive of any late payments. I had ONE simple request that they provide a correction to my credit reports on the late payments as a result of the ongoing hardship. WHAT'S THE PROBLEM? REMOVE THE LATE PAYMENTS OR IS IT TRULY BY DESGN THAT OUR GOVERNMENT GIVES YOU SO MUCH POWER TO TORTURE ITS CITIZENS?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
There are multiple items in my credit inquiry history that I did not make.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-11
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I submitted dispute letters to all three credit bureaus, XXXX, XXXX, and Experian. As of today, XX/XX/2021 I have not received any notification of the results of the investigation. I have made several attempts on XX/XX/2021, XX/XX/2021, and XX/XX/2021 to contact the agencies via telephone and was unsuccessful. I would like to know if the information has been removed or claim is denied.

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 2020-06-30
Company: Experian Information Solutions Inc.
State: CA
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 filed complaints in regards to the incorrect info on my credit report since XX/XX/2020. In early XXXX, Experian and XXXX  made the correction. However, in late XXXX when I was about to submit my auto loan application, I discovered that the corrected error came back again on my Experian and XXXX  credit reports. I attempted to dispute it with the credit report agencies directly, I was told that I need to wait for additional 30 days before the next update. The credit report agencies 's response is in bad faith. It has made my life extremely inconvenient during the pandemic.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: EQUIFAX, INC.
State: VA
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:
In XXXX I obtained a credit card with XXXX XXXX with a credit line of {$300.00} while off in college! Since then I have had XXXX XXXX report to my credit as an open account thats derogatory statement and then return with an hard inquiry, like I am requsting a line of credit with them and I nolong seek out credit cards. I believe they are doing wverything they can to keep an account open on me and in a negative status! Which continues to affect my credit Year after Year! I really need to get this resolved now that im wanting to rebuild my credit. I have tried contacting XXXX XXXX in regards to this manner but they will send me around and around to see why they are still reporting negative to my credit. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: CITIBANK, N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Account has been locked up since the beginning of XXXX. Nobody has contacted me, and no check received. Whenever I call in and if Im lucky to get through to someone - they tell me that my account is still open but I cant close it. They tell me its in the process and to wait. Weeks turn to months. I call back. This time they tell my I have to speak to a certain team, yet whenever I call - nobody can ever reach this team. I want my account closed and a check sent! Cant even access statements or any of my account information because its all online - yet when your account is locked, you cant login!

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