BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-07
Company: Experian Information Solutions Inc.
State: DC
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:
I have a paid collection account that was closed on XX/XX/XXXX from the Department of Veterans affairs on my Experian credit report that's showing a " failed to pay '' as of XX/XX/XXXX. I disputed the account in XXXX, XXXX but wasn't successful. I contacted the creditor ( Veterans Affairs ) in  late XXXX, XXXX to see if they could send my account information to Experian to let them know that the account was closed and paid in XX/XX/XXXX, the creditor sent the information to Experian and that was unsuccessful. The original amount was {$460.00}. not including the penalty. The amount I paid was {$600.00}. 

When a dispute is filed, Experian updates the " failed to pay '' as failed to pay XX/XX/XXXX, failed to pay XX/XX/XXXX and so on.

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 2021-06-08
Company: Santander Consumer USA Holdings Inc.
State: SC
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 a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX  breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-05
Company: EQUIFAX, INC.
State: LA
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:
The issue is theres a charge off on my credit reports from the XXXX XXXX XXXX XXXX. My card was lost and obviously found by someone and was used on several occasions ; therefore a charge off was place on my credit report for {$690.00}. I was completely unaware that it was there until months after and the 30 period had passed already, therefore they are keeping it on there and trying to force me to pay it. This is completely unfair. Ive made several, several disputes to Equifax on the situation and it has yet to be removed. The company isnt trying to assist me in any way. This charge off is holding me up financially.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: AFNI INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
The creditor is XXXX and the collection agency is Afni, Inc and they are reporting to my credit agencies affecting my credit. This is not my  account, I have sent validation letters and several dispute letters, yet this is still appearing and affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Fidelity National Information Services, Inc. (FNIS)
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:
XXXX XXXX XXXX has suspicious activity listed on my XXXX XXXX report which is keeping me from getting an account with them or any other bank I have asked them to remove it and called them on several occasions and wrote them they have no proof and I never did anything fraudulent I had identity theft my car was broken into

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 2019-09-29
Company: CL Holdings LLC
State: OK
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX put an item on back on my credit after taking it off three years ago. Back in XX/XX/2014 I disputed an XXXX item which got resolved then recently looking at my credit report I noticed it in the collection section on my report. How can something become resolved deleted then three years later just throw it back??? I never receive an letter from collection agency

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-27
Company: Home Loan Center, Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Debt settlement
Issue: Fraud or scam

Complaint:
Here is the e mail sent to me, it is a XXXX XXXX portraying as XXXX XXXX who only looks for lender. He asked me for XXXX dollars to be taken out of my bank to give me a XXXX dollar loan. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX XXXX   XXXX To : XXXX, XXXX, XXXX, XXXX XX/XX/XXXX at XXXX XXXX Hello, Congratulations!! 

Your Loan Application has been successfully approved for {$10000.00} By Our Company XXXX XXXX. To get this Loan, You do not pay any Upfront Payment. Fund would be credited into 45 minutes and your loan Approval ID, XXXX Total Loan Approval : {$10000.00} Your First Payment will be debited on the next month of your loan staring month. 

Once the Loan proceeds are available in your Bank Account, You can also begin making manual loan payments. There is no fee or penalty for making early payment on your loan, and you may make payment at any time. 

Complete Your Verification Part so we can be sure that Fund is going to Right hand and you are correct person to get this loan. Your loan Manager is available on Direct Line Number ( XXXX ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
They contacted my work phone number when i would't answer my cell phone for them.

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 2020-01-11
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I hold Amazon Chase Credit Card a couple of years. I'm always convinced to try Prime Membership in 30 days free for no obligation cancelation. Last XXXX, I did try it but cancelation with 30 days in website and also handwritten on payment statement. I called Amazon several times that it was confirmed with cancelation and {$13.00} refund will back to my Credit Card. Then, I called Chase Card to request removal about charge but refused. After the statement showed in late fee charged, I called Chase Card several times with very lengthy irrelevant talking and cordially discussed to solve the problem but never be accepted. I requested Amazon sent my cancelation emails a couple times and willing to provide to Chase Card if they provide me their email address that shows they've received refund. Chase Card never did!!!

The most outrageous business practice of Chase Credit Card is doubling original non-existing with two times late fees and DOUBLE AGAIN after I canceled my card and paid everything off except this predatory business practice. They even cut off my calls rudely.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-29
Company: Sarma
State: NM
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XXXX XXXX XXXX called me XX/XX/XXXX to say I owed {$1000.00} To XXXX -- They offered to settle the debt in payments for 6 months that would amount to {$1800.00}. I told them I could pay {$1000.00} on the first to clear debt. Name of company if you dial it is SCI. But I was not sure what I owed XXXX since before I had a care giver XXXX XXXX to help with my finances and keep track of payments. Since I have had several XXXX XXXX and XXXX XXXX. Also on line is proof I was recently XXXX in the XXXX with a XXXX XXXX by my dog that XXXX  my XXXX and XXXX my XXXX XXXX and XXXX XXXX XXXX leaving an ounce of lead shot in my XXXX. Needless to say this has been hard without a care giver. You know I was not thinking so I called that number back and I explained that I am not sure if I am being scammed and I want to call XXXX to be sure this company is legit. I also want to know for sure I owe this amount because I am not sure in my mind if I owe money or the amount if I do. 

I called XXXX several times, some problem here with memory and did not answer their security question right but finally got through and then they needed me to send an ID photo which I did. Yet they will not give me the amount I owe and even after getting through and sending the ID. Maybe XXXX can justify the record of 5 different phone conversations I have had trying to get my information and their getting me to verify by sending them a copy of my valid ID but for a senior I would not advise you to be a customer with them. The hours I have spent are frustrating just only to get information to verify if SCI is their debt collecting company and if {$1000.00} one time payment or {$1800.00} in six payments is justified to pay off what I owe and if {$1000.00} is really the amount I owe. XXXX has up to now refused to tell me anything even with all the proof I have given. XXXX phone number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 'm receiving daily calls ( usually XXXX or XXXX calls per day ) from XXXX ( Capital One collections department ). I am not a Capital One customer and owe them no money. I 've called them XXXX times requesting that they cease calling me, but they have not.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: JPMORGAN CHASE & CO.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased a home appoximately 9 months ago with less than 20 % as a down payment, so private mortgage insurance ( PMI ) was included on our monthly bill. Our loan was purchased by Chase mortgage, and is invested by XXXX XXXX. We now have the funds to pay off the loan-to-value ratio to less than 80 % which should result in PMI termination per the Homeowners Protection Act ( HPA ). However, Chase Mortgage via XXXX XXXX has imposed " seasoning '' requirements which don't allow PMI to be cancelled during the first 24 months of mortgage unless significant home improvement projects have been undertaken and the new value of the home assessed via BPO. I don't believe this " seasoning '' mandate to be in allignment with the HPA. I have called Chase Mortgage multiple times, and filed a dispute which was sent to an escalation manager. However, I was told that XXXX XXXX is the party that sets the PMI removal regulations and that Chase Mortgage could not assist me in removing PMI unless home improvements were undertaken. Per the HPA, these " seasoning '' requirements seem to be at odds with current legislation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-29
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX  IS PAID IN FULL AS OF 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 non-monetary relief
Consumer complaint received 2021-05-28
Company: TRANSWORLD SYSTEMS INC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed this company several times and have NOT received any debt validation pursuant to 15 USC 1692g. The company did not give me the opportunity to dispute this debt before inserting it on my credit reports. I've contacted the company many times and have NOT received any response from them in hopes of rectifying this matter. I will also file a complaint with the Federal Trade Commission, XXXX XXXX XXXX, and the Attorney General of your state. I will also seek damages in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-10
Company: AMERICAN ADVISORS GROUP
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I had a reverse mortgage with American Advisors Group in XXXX, but they sold the account to another company, on XX/XX/XXXX, I received from them telling me the amount of the equity that I have on the house and I want to redo the loan, so I contacted them, but I told them that I want to do a conventional loan this time, they assigned the loan to someone named : XXXX XXXX XXXX and his licenced ID is XXXX they phone number is XXXX, he never talked to me about the loan I always be the one who called him to find out about the loan after I called him over and overabout the loan, he told me it was his manager who was on the loan and would processed the loan, I waited and waited, his manager has ever called me nor anyone else then I called XXXX XXXX again, thent he told me that loan was assigned to someone called XXXX, in the two week frame, I received a disclosure paper to sign which I did and returned to her, and never heard anything from her, I waited and waited, called and called, left a message and message to her, still no response from her, after I wait so long with no response, I called the customer service department explaining the situation asked to talk to Mr.XXXX manager and the customer service department representative told me that she would email him regarding the matter, he never called me nor emailed me regarding the situation, but after several weeks, I received a voice mail by someone called XXXX telling me that she is on the loan and she just wanted to introduce herself to me and she wanted me to call her which I did, when I talked to her she seems to be nice and we had nice chat, she told that she was sorry but she would review everything and in the couple day she would call me, she never did but every two weeks I have called her and any time I call her, she told me the same thing by saying in the couple day I would called you she never did, I called her four separate time two weeks apart frame, she kept saying the same thing, I am really tired of it, that cause a great harm because if they told me they could not do it, I could contact another company, even now I know what is going on, it has been six month since this transaction started andit is on that, I am filing this complaint today

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-07
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/18, Navient approved my ibr repayment, increasing my payment by over {$30.00}. I contacted them to understand why my payment had increased when XXXX had decreased my payment due to my change in income. I was told to resubmit my paperwork, the third time I had done so, including my new paystub. I had sent this information to them one month previously. I then had to agree to go into forbearance for them to reprocess. I was contacted on XX/XX/XXXX with the exact same amount due as they previously had calculated. Everything is identical to the previous claim. 

It doesn't make sense that one servicer took my financial information and determined a lower payment and then Navient takes this identical information and determines that my payment should increase. I have contacted them via phone and email and received zero help from them, just a run around and then an offer to voluntarily go into forbearance so that they can resubmit my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-04
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
XXXX XXXX sent me an email on XX/XX/XXXX stating my XXXX 's credit card was closed due to inactivity as of XX/XX/XXXX I called immediately on XX/XX/XXXX, to discuss re-opening my account. I fully understand creditors can close accounts due to inactivity. I plead my case, stated positive credit history/payment history with the one purchase I made. 
I advised that I was working very hard to bring my credit score up  due to wanting to buy a home over the next few years. I also pointed out how this will affect my DTI, and my positive credit history. 
This is for a specialty card, for beds. How am I supposed to make a purchase when it's for a type of merchandise that isn't bought monthly or yearly? It makes no logical sense from a consumer standpoint to tell them that they need to make a purchase to keep it active when it's for an item that's meant to last long periods of time. 
The reps at XXXXXXXX XXXX were very nonchalant, dismissive and rude to say the least. I have learned my lesson, I'll stick to the major credit cards and use them responsibly going forward.

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 2018-03-08
Company: CITIBANK, N.A.
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: Reporting company used your report improperly

Complaint:
I HAVE ASKED XXXX ACCT # XXXX TO HAVE ME REMOVE OFF THE ACCT AND CREDIT REPORT : XXXX XXXX SS # XXXX XX/XX/XXXX WHAT IS THE PROBLEM?

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 2019-09-29
Company: WELLS FARGO & COMPANY
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem with cash advance

Complaint:
XX/XX/XXXX, ,I Applied For A Personal Loan With Wells Fargo Bank On About The XXXX Of XXXX, ,And Was Denied Again For The,20th Times??? etc, ,I Very Disappointed About This Decision, ,I Really Don't Understand What Happened, ,To My Credit, ,I Used To Have Very Standard Credit, ,Now My Credit Is So???? Up I Can't Even Get A Bank Loan Or A Credit Card, ,What Happened With My Credit, ,Last Time I Applied For Bank Loan And Card They Told Me My Income Was Too Low, ,This Was Back Year, ,XXXX, ,XXXX, '' XXXX, ,XXXX, XXXXand XXXX, ,XXXX XXXX Should Be Ashamed. Of What They Caused, ,They Are Really Messy, ,With This Issue, ,I Have A. Copy Of The Last Statement That Was Sent To Me From Them On XX/XX/XXXX, ,And Is Also Mentioned In The Letter, ,That There Was Too Many Accounts Open In My Name, ,How Is This Possible??

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 2018-08-07
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a checking account at Wells Fargo bank and on XX/XX/2018 I make ATM deposit of {$1000.00} Money order from post office. The same day I realize that the online balance show {$100.00} deposit instead of {$1000.00}. The same day I called customer service of Wells Fargo bank and let them know that my balance doesnt reflect the correct amount of the deposit. Now one week later I called Wells Fargo bank and they say that the investigation is going to take 10 days. 

My question to you is : Can banks take whatever time they say to take a look of checks or money order deposits and correct the amount.?

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