BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-18
Company: CITIBANK, N.A.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Macys is reporting inaccurate information on my credit report. I have put in several disputes with credit bureaus but its still coming back as verified information and its not. Its also occurring interest on a closed account. They are reporting {$810.00} as amount owed, and it was charged off for the amount of {$730.00}. It stated my credit line was {$800.00} and thats not true either. 
I also would like to dispute the inaccurate information about the opened date, one bureau says opened opened XX/XX/XXXX another bureau stated it was opened XX/XX/XXXX. 
Due to all these violations please remove this account from my credit report. It is stopping me from being approved for a home loan.

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 2021-05-08
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Applied for a refinance, at their request, with Freedom Mortgage of our current mortgage that they had done 2 years ago. We were unable to communicate with them most of the process due 3+ hour hold times and no response from emails. They missed the original lock period because they failed to be able to complete it. They then extended the lock, but failed again to be able to close it in time, although all items were provided to them timely. We tried many times to call but were unable to get through. Emails went unanswered. Approximately 1 week after the 2nd lock expired, they called and were ready to close. Upon review of the docs, they were asking us to pay 2+ points, amounting to approximately {$13000.00} in closing costs. There was no discussion with us regarding this fee. Fortunately, I have experience with mortgages and reviewed the redisclose docs and noticed that they added the points and fees with no discussion with us. When we spoke to escalations, they would just leave us on hold for 2-4 hours while they researched it. After hours on hold, they would hang up. After many calls, being on hold for over 20 hours, we gave up trying to get speak to 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 2018-02-25
Company: FORD MOTOR CREDIT CO.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We wrote to your agency in the past and the File was Closed then a Survey was ask to rate what happened. The Should not have been closed as we went to Court with Ford and Ford 's Attorney Withdrew the Complaint and Fails to comply with correcting our Credit Reports and sending us our Title. The Motor Company had ruined our Credit for ten years or posting and payment error presented in court. When it came Court Decision time Ford Withdrew their Complaint and Refuses to Correct our Credit Bureau Reports and send the Vehicle Title.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Experian Information Solutions Inc.
State: TX
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:
see attached file, the credit bureaus are reporting this account inaccurately and they are violating the FCRA CARES ACT.

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 2021-07-18
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:
Chase is reporting that I owe a balance when I have paid. I have tried to dispute but its coming back as verified when its not accurate. Please remove this inaccurate from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: Diversified Consultants, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Diversified Consultants are reporting on a XXXX XXXX debt on my collection report. A different agency by the name of XXXX XXXX are now reporting the same debt as well. This debt is for XXXX XXXX cable. I 've spoken with a rep with XXXX XXXX the first week of XXXX and paid {$87.00} owed for services, the remaining balane of {$170.00} I advised her I did not owe because I had already returned the service equipment. I am no longer liable for the debt with XXXX XXXX or Diversified Consultants, and under no circumstances should two collection agencies be reporting on the same debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-13
Company: Experian Information Solutions Inc.
State: MD
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:
On XX/XX/XXXX I received a email from Experian informing Alert : Change To your credit file Detected. I contact them to ask them who inquire in my credit and they do not provided me any information they ask me to paid a credit Report. When I review my credit report from my bank loan I saw my score decrease from XXXX to XXXX, 14 points below on XX/XX/XXXX. This is very frustrated because I am working hard to fix my credit, I am planning to refinance my car and now if they do a inquiry in my credit that will affect. immediately y check into my Bank profile who also provided me information about inquiry and I noticed that the Bank XXXX National Credit Cards/Airlines inquire my credit report with out my consent. Immediately contact the Bank and they said that I need to contact the credit Report and vice versa to fixed my score. That day I made more than 10 calls trying to find who was responsible for inquiry in my score. My big surprise was the date of inquiry from XXXX National Credit Cards/Airline said that was on XX/XX/XXXX and that's not true I am monitoring my Bank account and that inquire was not there before in the credit Report. That inquiry appear the same day of my credit Report Decrease from Experian. I opened on XX/XX/XXXX a account for dental credit care Same Bank XXXX but closed the account, never used the credit. XXXX provided my information without my permission and affect my credit. That bank inquire my credit and they put a different Date. I never ask for credit/airlines. They denied any responsibility and what they advise me was to contact Experian. I also tried to contact Complaint department from the bank and they did not transferred my call, they advise me to contact XXXX XXXX. I Was very frustrated because I am in the middle of this situation and now nobody know nothing about it. Attach my credit Report the inquire information of XXXX  and the Experian Email, Thank You

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 2020-09-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: UT
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I tried to purchase a XXXX XXXX XXXX via the products page. One of the options for purchase was " XXXX XXXX XXXX '' which was supposed to bundle the console, the service, and the XXXX XXXX   XXXX  service into one monthly payment. The payments would be done via setting up a personal line of credit via CitizensOne and then you would make monthly payments on it. 

The issue is that when the XXXX 's ran out of stock, they did not stop accepting applications, and the application is done before it checks stocking levels. So you end up applying for, and receiving, a {$0.00} line of credit. Which means I am now going to take a hit on a credit report that I was only willing to take because I thought I could get the product. 

To put this in another way, it'd be like walking into a cell phone store with the intent to sign up for service. Then when you are signing up the ask if they can pull your credit for the device equipment plan you would like to set up. Then immediately after pulling your credit, they say, " I'm sorry we aren't signing up new customers right now, have a good day ''. 

WHY DID YOU PULL MY CREDIT THEN?! Why do I have to be financially impacted due to what basically amounts to malpractice in coding. Check stock levels THEN send to signup page, and before submission, check stock levels one last time to make sure the customer can even attempt to purchase what they are signing up for a payment plan for!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-13
Company: SYNCHRONY FINANCIAL
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 status incorrect

Complaint:
In XX/XX/2018, I got a notification from XXXX XXXX about a change in my Synchrony Bank Account for Sleep number, the note stated the account had been closed. I called the bank and they informed me that my co-signer had filed for bankruptcy and the account was affected. I tried to fix the issue and offered to pay the account, but they said that because the account was a joint account it had to be closed due to one of us filing for bankruptcy. After my cousins case was closed and his accounts charged off, I got a new credit alert saying my credit score dropped due to negative remarks, once again I tried calling the bank on XX/XX/XXXX, with no resolution. The bank said that I could pay off the balance, but the account would still have a negative remark. I did not file for bankruptcy and the account was closed even when I tried to negotiate with the bank, and now my score is negatively affected.

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 2018-06-13
Company: Client Services, Inc.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
A collection agency for XXXX XXXX named " Client Services '' contacted my employer to reach me. I told him he can not contact me at work. He stated he could. I am a therapist and work with people in crisis. I can not take personal calls at work. The phone number to Client Services is XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14
Company: Navient Solutions, LLC.
State: PA
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:
NAVIENT HAS NO ANSWERS FOR ME REGARDING MY LOANS! I beleive there is deceptive practices occurring and I have exhausted all efforts to get information. I am paying all interest at this point as the initial loan ( s ) amount has been paid. Further more every month they report an increase to the credit bureaus when in fact I am paying every month and my balance is going down.

I pay {$95.00} a month for 4 loans and every month from the credit bureaus I get info that my balance has increased not decreased. 

This is the info I receive : It looks like your student loan balance went up. This could be due to a missed payment, which can have a negative effect on your score. Your total debt also typically factors into your credit score, so it's best to keep it low if you can. 
BetweenXX/XX/XXXX and XX/XX/, your NAVIENT student loan account balance increased by {$1000.00} from {$690.00} to {$1700.00}. 


Additionally I was placed and released on a forbearance program of which I have had no knowledge of and incurred missed payments derogatory marks which they will not clear.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-18
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
American Express Savings constantly & non stop sending me email asking me to fund my savings account. So time came i had some money and funded mentioned Savings Account. Ive probably move movie ( {$20.00} not more ) from my external pre paid account to this savings & vice versa. Until one day I eas to login to check status of a certain transfer, i couldnt login so I call and talk to someone and asked whats the status of my account why dont i have the access to it? 
He went put me on hold, then came back and told me, theyve decided to close my account due to suspicious activity? Anyways, long story short, i accepted their decision bec i dont wan na have to argue with themnbec funds are less than {$100.00} dollars! Which is not my point though. My frustrations are.. theyve closed my savings account and kept my funds too??? Why is this happening to me to much? I cant put my life back together bec of all these XXXX! Please XXXX me retrieve my money back! I need it!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for a Capital One 360 checking account and followed all directions to get the {$400.00} sign up bonus. The bonus was supposed to be paid on XX/XX/XXXX and when it was not, I called customer service and was told I did not enter the promo code. However, I entered the promo code XXXX  and offered to send the proof I have that it was entered at opening. I opened the account on XX/XX/XXXX and I had to receive 2 direct deposits totaling {$1000.00} or more within 60 days of account opening. After this was completed the {$400.00} bonus would be paid by XX/XX/XXXX. I received direct deposits as follows : {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX, then {$1000.00} on XX/XX/XXXX. I exceeded the requirements and still did not receive my bonus. I would not have opened the account if I were not going to receive the bonus, and I am 100 % sure I entered the promo code, I will attach the screenshot I have. I was referred by my brother and the exact same thing happened to him and I noticed numerous people online are in the same situation. This is fraud on Capital Ones part, or in the very least - false advertising. Please help me to make them responsible for falsely enticing customers to open an account and then not making good on their promises. I have a case open with them where they are making an exception, but can not guarantee anything and I do not have high hopes this will result in anything positive. My case ID is XXXX. Capital One says there is nothing else they can do. This is very frustrating, and makes it hard to trust a big financial institution. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I am a Victim of Identity Theft and I have submitted numerous disputes concerning fraudulent accounts reporting on my credit reports. I submitted FTC and police reports to the credit bureaus and and the the companies involved requesting validation of the debts and I have not received validation as requested. I am exhausted with all the runarounds from the credit reporting agencies.

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 2018-06-13
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I made an online payment on XXXX. My payment was actually on XXXX, but because it was a weekend, Toyota did not count it until XXXX. I recieved an email conformation on XXXX from Toyota stating they received my payment on XXXX. My financial institution has withdrawn the money from my account. The website still says past due yet the website shows my payment made on XXXX and I am receiving approximately 14 phone calls in the past 7 days! That is harrassment!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: Paypal Holdings, Inc
State: CT
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
This complaint is regarding Paypal. I was a Paypal customer for over a decade with no problems. 

On Thursday, XX/XX/XXXX I received an email stating that my account was permanently " limited '' ( closed ) but no reason was given. When I called the company I was told that I had violated one of the prohibited action provisions in their User Agreement, but none of the three people I spoke with could tell me which one. I reviewed their prohibited actions, and I am certain that I did not violate any. I have offered to prove this several times but was only told that this " type of violation '' was " irreversible. '' However, no one could or would tell me what " type of violation '' this was. 

There was some increased activity on my account just before it was closed : typically I just use Paypal for online purchases or donations. However, I had recently laid out funds for an event for a community group I am part of, and some members were paying me back. I received three payments of {$33.00} each before the account was shut down. I offered to prove all of this to Paypal, and sent them screen caps of the receipt for the event, and emails discussing the reimbursements, and received only a form response which made it seem very likely that no one had even looked at what I had sent them. 

In addition, Paypal has frozen the {$99.00} that had been paid to me, and I received an email that after 180 days they will inform me of how I can obtain the funds ( not that they would release the funds or credit my account, just that they would inform me of how I can obtain them ). 

In doing some research online, it is clear that I am not the only person Paypal has done this to. A quick XXXX searched turned up this discussion on their own community message board that contains many very similar stories : XXXX  : XXXX. Many of these people have lost far more money and endured greater hardship than I have. Fortunately, I do not rely on Paypal for my income. 

I am hoping that you can look into this, and that Paypal can at least be made to have some sort of dispute resolution process, rather than simply kicking people off, accusing them of violating the User Agreement with no proof, and ( most likely ) just keeping their money. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I pay the collection agency what i owe them and they refused to remove it from my credit report. They are not the only one that have rights, If a consumer pay their dept than a should be removed and not stay have collection on the report. What give the creditors the right to control someone life and future for seven years? I have disputed with all three credit bureaus but only XXXX and XXXX are a bit cooperative, XXXX only listen to what ever the creditors says and the consumers can never win with them. 

1. XX/XX/XXXX amount {$460.00} 2. XX/XX/XXXX amount {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo took my XXXX XXXX XXXX XXXX while I was totally 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 2021-07-18
Company: Mr. Cooper Group Inc.
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unbeknownst to me, apparently, in XXXX, my mortgage company sold my mortgage to a company known as " Mr . Cooper. '' I started receiving generic letters from " Mr . Cooper. '' I presumed it was just spam. Never did I ever expect or imagine a mortgage company would be called " Mr . Cooper. '' My son finally opened one of their letters yesterday because he had recently bought tires for his car from " XXXX XXXX. '' Suffice to say, we were shocked to find out that Mr. Cooper 's legal team was notifying me that I was {$4900.00} in default and that Mr. Cooper would take legal action. 

Lucky for me, as a retired XXXX XXXX, I have the means to pay this sum of me. I have had many many mortgages and they are have been bought and sold and never did I have to restart my automatic deposits. I can only imagine those less well off than me who are about to lose their homes to a company that has cleverly chose a name so as not to bring attention to itself or let you know the importance of them. I think this is nothing but an effort to take the homes from people by naming a company a ridiculous name so that its customers will not realize the severity of ignoring them. 

I hope you will take a look at the duplicitous business practices of this company and the intent/origins of their name. I bet you will find that many of its customers are defaulting on their loans simply because they were unaware that their loans had been bought out. 

Sincerely, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-01
Company: Lending Club Corp
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Lending Club Corp has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation