BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have a current pending RMA with Bank of America. As of XXXX XXXX, XXXX I was told it was still under review. However, BOA has notified their foreclosure attorney to schedule a foreclosure date. The attorney 's office was notified that I have a pending RMA and requested it be postponed until a decision is made. The attorney 's reply was " Please be advised that our client has not elected to postpone the pending foreclosure sale. '' When speaking with an attorney I may need to retain, I was advised that BOA is " dual tracking '' as prohibited under the Dodd-Frank Wall Street Reform and Consumer Protection Act. Furthermore, I have learned that BOA was XXXX of the XXXX largest banks involved in a XXXX National Mortgage Settlement which restricted dual tracking, and I would like to report that they are apparently attempting to " dual track '' home owners again.

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 2019-05-21
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX I paid off the remaining balance on my GAP Synchrony Bank Store Card. On XX/XX/XXXX My carr was closed by Synchrony bank. I was told by three separate representatives that my card was closed due to other financial obligations that I failed on. I had lost my job and was struggling to keep my head above water. Nonetheless I was told that because of my credit report my account was closed. I dont remember giving Synchrony Bank permission to review my credit report beyond my initial application. I explained that the closure affected my credit score in a major way negatively! Especially since Synchrony Bank waited until my balance was paid in full! Before they  closed my account. My credit score had suffered tremendously!! And I am now unable to qualify for a Mortgage because they refused to review and reopen my account. Now originally I was told it was because of my credit report. But the letter they sent me after I filed a dispute with the company says something completely different. The letter says that my account was closed because of Prior Unsatisfactory obligation to Synchrony Bank. And I have reason to believe that Synchrony Bank closed my GAP store Account as a form on retaliation/punishment for falling behind on my Payments with my Walmart Card!!! Also held by Synchrony Bank! This is completely!! Unfair! How is Synchrony Bank allowed to close my account after its been Paid! And why was I told one thing but given a letter that completely contradicts what was told! 

Please Help!

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 2019-05-21
Company: MERCANTILE ADJUSTMENT BUREAU, 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:
I received a letter from Mercantile Adjustment Bureau , LLC on XX/XX/2019 dated for XX/XX/2019 saying to please find the documents for the above mentioned account. If you have any questions, please feel free to contact us at the number listed below. 

I contacted Mercantile Adjustment Bureau immediately to take care of the debt because we are in the process of obtaining a home loan and this will drastically hurt us. 

When I contacted them, they stated they sent out a letter on XX/XX/2019 to our previous home address which we have not been in for almost 3 years. We did not receive a letter to dispute this or take care of it in a timely manner. They sent the letter to the correct address on XX/XX/XXXX. However when I spoke with them on XX/XX/2019, they stated they had already reported this to my credit. 

I believer they have inaccurately and illegally reported this debt to my credit, with intentions of hurting my credit. 

They state they have called my phone number and work phone number multiple times, however I have not logged phone calls of this. My work phone is manned XXXX and I have never received 1 message from them. 


They are ruining people 's lives by not doing their due diligence and sending letters to correct addresses in a timely manner OR calling and reaching someone before reporting to someones credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
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: Their investigation did not fix an error on your report

Complaint:
I have mailed multiple letters disputing accounts that should not be on my credit report and they are still there! incorrectly reporting!

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 2015-09-25
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call up to XXXX times a day, never leave messages. Start calling at XXXX till as late as XXXX at night. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-01
Company: Ad Astra Recovery Services Inc
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AD Astra Recovery Service put my account as opened on XXXX XXXX. I did not Receive services from them during this time. This company is also known as XXXX XXXX for the amount of {$310.00}. they also reported this to all three credit bureaus ( XXXX, XXXX, and XXXX  ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-20
Company: AFNI INC.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I wrote and mailed a dispute letter to XXXX and XXXX in XXXX 2017, pertaining to a collection account that had been placed on my credit report from the collection company AFNI, INC. XXXX and XXXX  responded with a copy of my credit report stating that the account in question was verified by the creditor. AFNI, INC did not provide any documents or evidence to verify the account, but instead lowered the debt to {$110.00}. I sent another dispute letter to XXXX and XXXX in late XX/XX/XXXX asking again for proper validation of the debt, and instead of verifying the debt AFNI, INC reported the debt again for the previous amount of {$1100.00}. Under the Fair Debt Collections Practices Act, I have the right to request validation of the debt, therefore I am requesting that you investigate this matter and delete this account from XXXX  and XXXX or provide me with physical proof, such as a signed legal binding contract. Your immediate response will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17
Company: I.C. System, Inc.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have a collection account from I.C. SYSTEM, INC on my credit report. They are reporting unvalidated information on my credit report and are saying I owe them money. I am requesting that the unvalidated information is blocked and removed from my credit report immediately and I want a copy of such deletion request sent to me. 15 US Code 1681a ( 2 ) states that any consumer reporting may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. You are in violation block and remove unless debt is validated. The amount of the account is for 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 2019-05-21
Company: AES/PHEAA
State: MA
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:
Hi there I have been paying on this student loan ( it was taken out for my daughter ) .Original amount was {$91000.00} in 07, and now, I '' m owing more than the original loan amount ( {$94000.00} ). I have been paying on a consistent basis, but there were times it was in forbearance. It says that principle paid is {$54000.00}, but it doesn't seem like that since my balance is still XXXX. I called and spoke to a person, who after looking at the account said " that's what you owe ''. I don't understand how at this point it can be more than what the original balance was - I would like someone to look into this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-09
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX Bank, XXXX, Midland funding I have disputed this alleged account XXXX billing statement show a name of XXXX XXXX XXXX not me. when I contacted you about this you stated a card was mailed to my addresss { never got } I requested that you provide me a U.S.Postal receipt showing it was delivered to this address you Never responded Back, now after I disputed this alleged account on my credit report you XXXX XXXX my name and sale alleged account to Midland Funding, I have all your statements that show XXXX XXXX XXXX not my name, and your response that you stated we mailed it to you, and did not respond to my request of postal receipt to me please remove this alleged account not mine, account disputed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17
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: Their investigation did not fix an error on your report

Complaint:
I have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.

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 2019-05-21
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Struggling to pay mortgage

Complaint:
I began struggling to keep up on my mortgage in XXXX due to temp financial loss. I doubled up on my late payments twice to become current, but could not keep up. I spoke with the Mr. Cooper in XXXX regarding the options they notified me of having, ie : repayment plan, modification etc. They said at that time I was not eligible for anything. I did go ahead and apply for modification and they denied me. I spoke with them again in XXXX. The notice I received said nothing of being eligible for forbearance, only short sale etc. I will attached the notices. Every time I have called I have gotten the run around and basically just informed there's nothing they can do to help me make up the late payments which at the time were under 10K. They sent in into foreclosure only a few months of being behind, and would not work with me on anything. They then sent me another notice XX/XX/19 when the auction is scheduled for XX/XX/19 saying call us to discuss options, which I did, and and they said there's nothing they can do to help me, again. I just spent 1.5 hours with them on the phone right now with regard to delaying the auction so I can come up with the money, they notified me that a request was already submitted for that on XX/XX/19, and that it was denied because it was more than 7 days from the auction date. I did not submit this request, they did. They did not get my approval, and I assume they would have known it would be denied being more than 7 days from the auction date because they are aware of the policy, and that it would result in my being unable to request this within the 7 day time period. I requested it be done again and was informed I can not request it a second time, when I did not request it the first time. All I have received is a run a around and long holds, along with letters saying to call them so explore options only to be denied on everything each time I did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: TRANSUNION INTERMEDIATE 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: Old information reappears or never goes away

Complaint:
I had a XXXX credit card account that I disputed with the collection agency who was reporting it. After investigating, the collection agency sent me the results of the investigation and concluded that they were closing my account. The company stated they filed a Universal Data Form electronically requesting that the three major credit reporting agencies delete their trade line for this account on your credit reports. This was in XX/XX/XXXX and the credit bureaus removed the account. But it has appeared back on my credit report in the last year or so. I have disputed this multiple times with the credit bureau and explained that this should not be on my report because I do not have knowledge of the account. I sent certified letters X/XX/17 to XXXX and TransUnion and disputed online with XXXX requesting that they delete this inaccurate information. They bureaus refuse to delete the information from my credit file.

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 2021-09-17
Company: NRA Group, LLC
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I sent a letter to National Recovery Agency in regards to them reporting medical information on my credit report which violates my right to privacy as a Consumer and I still havent received a response yet as to if there is an investigation in progress, please fix this immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/18 I have sent this company a letter asking them to prove that this debt belonged to me, ie, signature or contract obligating me to pay this debt. 

On XX/XX/18, the company responded to me with the letter, saying that they have completed the investigation and that the account was valid, just sending me summaries of the account in question. The original balance due on the account was {$290.00}, but then charge off charges put the amount to {$570.00}. 
This information provided to me does not constitute that the debt is mine. 

On XX/XX/18, I sent another letter to the company asking validation of the debt. 
The company did not respond back within the 31 day period, so they are in violation This company responded on XX/XX/18 saying that there will not be another investigation, due to my prior dispute on XX/XX/18

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-02
Company: Americas Car-Mart, Inc.
State: AR
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:
Auto finance companies use the shot XXXX approach on my credit report Now I have several hard damaging inquires on my report cause me to be denied for anything I apply for

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-19
Company: BARCLAYS BANK DELAWARE
State: MA
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 saw a promotion for a new XXXX credit card through XXXX XXXX XXXX that said if I spent {$1000.00} in 3 months I would get XXXX points. I was approved for the card and received it in the mail in XXXX XXXX 2017. I did not use the card until I was ready to book my vacation in XXXX XXXX 2017, and spent over well over {$1000.00} then. Months after booking my vacation I did not receive my points. When I called XXXX customer service they refused to give me the points stating that the promotion was for XXXX points at the time when I activated the card. Furthermore, that by the time I activated the card and made a qualifying purchase, the promotion had ended. However, I still see them advertising this promotion. I only chose to open a credit with them, because the reward made the most sense for me at the time. I am still using the credit card, and do not want to close it because of how that would impact my credit. I just want the reward I was promised.

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 2021-02-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On XXXX XX/XX/2019 I opened a checking account online, made initial deposit and on XXXX XX/XX/2019 received all the documents including a debit card. The same day around XXXX XXXX, I signed up for : - online banking -mobile deposit -online bill payment -online transfer from bank to bank -card-less ATM access Right before The first mobile deposit. Then I deposited three checks using mobile deposit. Out of the three checks two was my hard earned pay check and the third one was a rebate from my health insurance Company XXXX. All checks were legitimate and cleared by the issuers bank. But Wells-Fargo Bank within 12 hours of deposit ( at XXXX XXXX on XXXX XX/XX/2019 ), with out giving me an opportunity to prove the legitimacy of the checks, claimed counterfeit and decided to close the account on XXXX XX/XX/2019. Which blocks access to all banking features including deposits. I tried to reach out to all relevant departments of the Bank, but Ive got no resolution. Instead I was treated like a fraudster and told the same story that I deposited a fake check even though I provided proof for legitimacy of checks deposited. I have not lost any money or valuables in this process, but my constitutional rights were violated. I didnt proceed with legal action because I found no provable damage to my reputation. This doesnt assure me that the damages were not there unless the bank says so. when I find such damage before they act, we will be discussing in a different circumstances. Today I filled this complaint after my own research about the banks history not just to resolve my concerns. Also because I believed Wells-Fargo Bank have been engaged in a fraudulent activity. Data shows that success of a Bank is partially measured by : - 1 number of customers 2 number of online banking users ... etc. 
Its not a secret my account was closed right hours after I signed up for all of the services.

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 2020-05-06
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of Identity Theft as well as several Data Breaches. The latest being XXXX XXXX XXXX. The Items I have identified and highlighted on my credit report do not relate to any transactions that I have made or have applied for resulting several in errors which have hurt my credit score I value. Please block, remove or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

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 2021-09-17
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 have mailed numerous of letters to the bureaus asking them to remove incorrect information from my credit report with proof attached and the items are still being reported.

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 2021-11-04
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: Information belongs to someone else

Complaint:
The following accounts on my credit report are NOT mine. I have never applied for OR authorized anyone to apply for these accounts. This is a violation and the accounts need to be deleted from my credit asap. I have tried to call the creditors myself to resolve the issue but they can not find any account under my social security number. I believe the credit bureaus are misreporting these accounts onto my credit report when it belongs to someone else. Please investigate immediately. 

Old Navy XXXX XXXX XXXX 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