BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-28
Company: SYNCHRONY FINANCIAL
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: Information is missing that should be on the report

Complaint:
On XX/XX/2018 I disputed with XXXX, XXXX, and XXXX  on XXXX XXXX, Account number:XXXX. I disputed again with XXXX on XX/XX/2018. FCRA XXXX and FDCPA XXXX ( b ) state that the creditor MUST enter a notice of dispute. If this is not entered, the account must be deleted. This is violations of both FCRA and FDCPA.

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 2021-07-13
Company: Chime Financial Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I received an email from Chime indicating that I had opened an account. I did not. I received another email stating that my account balance was getting low. The next day I got another email saying my new card was on the way. I sent an email to the customer service email letting them know I did not open an account, and that they needed to close this right away. I did get emails back stating they were closing the account and blocking it from being reopened which is great, but they wanted me to send a copy of the front and back of my drivers license and a picture of me holding the license. I find that incredibly suspicious and I told them I wouldn't do that. I did let them know however that I was going to file a complaint with the FTC. They said I could send a copy of the report. I would like to get this resolved as quickly as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: Zenith Financial Network Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
ZENITH FINANCIAL NETWORK INC, ALSO ZFN AND ASSOCIATES ARE TRYING TO COLLECT FOR XXXX XXXX. ZFN CONTACTED MY MOTHER AND GAVE HER INFORMATION ABOUT MY DEBT, THEY TOLD HER THEY WERE GOING TO TAKE ME TO COURT IF I DIDN'T PAYED WHAT I OWED. SHE TOLD THEM TO STOP CALLING AND THEY KEEP ON CALLING, THEY SENT HER A TEXT MESSAGE AS WELL. I NEVER USED HER AS A REFERENCE, I DO NOT UNDERSTAND WHY THEY CALL HER. I CALLED THE COMPANY TODAY AND I STATED THAT I HAD NO MONEY AND THEY NEEDED TO STOP CALLING ME AND MY MOTHER, THE LADY I SPOKE WITH SAID THAT SHE WAS GOING TO KEEP CALLING ME EVERY DAY AND THAT I NEEDED TO ASK SOMEONE FOR MONEY TO PAY, THAT THE MONEY WASN'T GIVEN TO ME FOR FREE, I TOLD HER TO STOP CALLING ME AND SHE SAID NO, WHEN I TOLD HER THAT ACCORDING TO THE FDCPA RULES SHE HAD TO STOP CALLING ME, SHE HUNG UP.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I contacted HSBC many times about my mortgage payments. I asked for an interest rate adjustment, refinance, etc. 

After some discussions I decided to enter an interest rate modification.The modification allowed me to send a mortgage refinance estimate from a competitor and then HSBC would beat their rate and adjust my mortgage rate. 

On XX/XX/XXXX, I carefully reviewed a 2 page contract send over by HSBC to adjust my rate. After reading the terms and conditions I esigned the document. This adjusted my interest rate to 2.9 % and allowed HSBC to keep me as a customer instead of refinancing with XXXX. 

I was then charged a {$1400.00} rate modification fee on my next mortgage statement that was not mentioned in my signed contract. HSBC provided a copy of the contract ( see attached pdf ) which does not mention any fees. 

HSBC is claiming that an email they sent contains additional terms. I don't see how an email that I didn't agree to can add extra terms to a contract I signed without those terms. 

I paid the {$1400.00} fee as I didn't want a late fee but I dispute the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: VA
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:
I submitted a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial dispute was sent on XX/XX/2020. My 30 Day demand to comply was sent on XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-14
Company: AES/PHEAA
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I am participating in the Public Service Loan Forgiveness Program. I have reached the end of the required time, however XXXX XXXX  ( which manages the program ) has been " dragging their feet '' and mis-processing forms. For over 90 days now I have been attempting to formally communicate with them regarding the numerous " zero months credited '' for my employers that clearly qualify. Prior to them being accepted ( but incorrectly counted as " zero '' ) I had to resubmit them three times - each time for a different XXXX reason that was always a mistake on _their_ end, not mine or my employer 's. 

Unfortunately, mortgage companies now take into account student loan debt - even if it is on the verge of being forgiven, and even if no payments are due ( as is normally the case for any government employee repaying student loans ... ) The delay with PSLF and XXXX has resulted in me missing several windows to refinance my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am receiving calls from a XXXX which seems like a legal number regarding that my ATM is no longer functioning and that I need to do something in this regard ( I never finished the call ). Whoever is calling is impersonating ( it is a recording ) an official from Banco Popular de Puerto Rico. I decided to report this since we have been informed that this is a fraud practice using the numbers of the institution. I am communicating this to the institution as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: The Best Service Co.,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:
Good afternoon, I place a dispute with XXXX and XXXX XXXX because they are reporting inaccurate information on my credit report. This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g My contact information is as follows :

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Navient Solutions, LLC.
State: PA
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:
You are in direct violation of FCRA 623 ( a ) ( 5 ). Negative re-aging debt on a credit report is changing the delinquency status of an account to fool the credit bureaus into thinking its more recent than it really is, which is what you are doing by reporting the account as such and updating it monthly. I am very well versed in credit law and the practice of re-aging accounts. As you are no doubt aware, a collection is tied to the original account before it is charged off.You report that this account was opened - and therefore you are re-aging this account, which is illegal - so you are in violation of the FCRA, with fines of { {$1000.00} } per incident. I am requesting that you investigate this matter under the FCRA : * FCRA 623 ( a ) ( 8 ) Ability of Consumer to Dispute Information Directly with  Furnisher * ( E ) Duty of person after receiving notice of dispute. After receiving a notice of dispute from a consumer pursuant to subparagraph ( D ), the person that provided the information in dispute to a consumer reporting agency shall -- * ( i ) conduct an investigation with respect to the disputed information ; * ( ii ) review all relevant information provided by the consumer with the notice ; * ( iii ) complete such person 's investigation of the dispute and report the results of the investigation to the consumer before the expiration of the period under section 611 ( a ) ( 1 ) within which a consumer reporting agency would be required to  complete its action if the consumer had elected to dispute the information under that section ; and * ( iv ) if the investigation finds that the information reported was inaccurate, promptly notify each consumer reporting agency to which the person furnished the inaccurate information of that determination and provide to the agency any correction to that information that is necessary to make the information provided by the person accurate. In addition to the investigation, I am going to have to insist that you remove this illegal account from my 3 credit reports ( XXXX XXXX XXXX ) or you should expect an intent to sue in the mail, because I will have no choice but to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-15
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not own or know these accounts. I demand an investigation and removal of these accounts that do not belong to me. The Monthly Payment, Terms, Credit Limit, Past Due, and Date of Last Payment are missing in this report. I am wondering why it ended up under my name. This is ridiculous and incorrect. I demand this will be deleted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: Experian Information Solutions Inc.
State: ID
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:
The federal student loans on my report were eliminated and removed by the DOE and FSA due to law and HEA violations. Experian will not let me dispute because I did so years ago. It's the same thing with another account. The information is wrong and Experian won't let me dispute. I'm not going to be homeless I one week because I can't qualify for housing due to the incorrect information on my report. My Attorney Certified mailed copies of everything to Experian.

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 2021-07-13
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2021 I submitted a complaint to the cfpb XXXX concerning American Express. 
I would like to understand why on XX/XX/2021 American Express contacted me by email stating heres confirmation of your recent address update. Were confirming your request to update your address for your card ending XXXX. We have also changed your address for any other accounts you specified at the time of request. 
I never sent Amex any request other than through you the CFPB which it is odd that they are communicating to me by email and not responding to you ( CFPB ). I suggest Amex is forging statements and documents which also is validating my claims that they are not following the proper Rules under the 15 USC 1692. I suggest Amex cease any fraudulent tactics and communicate directly by response to the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: PNC Bank N.A.
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from the IRS dated XX/XX/XXXX proposing changes to my XX/XX/XXXX tax return as they received Cancellation of Debt from PNC Bank National Association. 
On XX/XX/XXXX I spent countless hours on numerous phone calls with PNC Bank about the XXXX. I was given the complete run around and told the loan was so old it was no longer in their system and could not access it or give me a copy of the XXXX. 

I feel PNC Bank dropped the ball and failed to comply with RESPA and the Fair Debt Collection Practices Act. Especially, since it was during the time of the mortgage crisis. 

The XXXX that was issued is from a home equity loan that myself and my ex girlfriend XXXX XXXX XXXX took out that originated in XX/XX/XXXX for {$27000.00}, with XXXX XXXX XXXX, Doc # XXXX. 
XXXX and I ended the relationship in XX/XX/XXXX and I moved out of the subject property. XXXX continued living in the home with her new fianc and made no contact with me until XX/XX/XXXX asking that I give up interest in the subject property as she was now married and her and her Husband were both living in the home. I conveyed all interest in the Property via quit claim to XXXX XXXX XXXX. I signed the quitclaim Deed on XX/XX/XXXX. It was recorded XX/XX/XXXX in XXXX County, Document XXXX. 
After I received the notice from the IRS I was able to get copies of court documents within the last few weeks and found out that a Notice of Default and Election To Sell was recorded XX/XX/XXXX in XXXX County, Document # XXXX as XXXX defaulted on the mortgage loans in XX/XX/XXXX. The Trustees Sale occurred on XX/XX/XXXX in XXXX County, Recorded XX/XX/XXXX, Document XXXX, a forcible entry detainer was filed XX/XX/XXXX to evict XXXX from the home, and she filed a lawsuit on XX/XX/XXXX against XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX   XXXX for a wrongful foreclosure claim. The case was dismissed by the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-17
Company: ZIONS BANCORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX I was a client of XXXX XXXX XXXX located at XXXX XXXX XXXX in XXXX XXXX XXXX. I opened a savings account associated with XXXX XXXX XXXX with XXXX XXXX XXXX. In XX/XX/XXXX I learned I could not start the business I wanted and choose to close the account. I got an authorization letter from the XXXX XXXX XXXX and gave it to XXXX XXXX XXXX and withdrew the funds which was about {$1500.00}. Between XX/XX/XXXX and about XX/XX/XXXX I received letters from XXXX XXXX XXXX which I never opened. About the end of XX/XX/XXXX I opened one letter and saw the account was still open. I contacted the bank and learned the account had not been closed. I began depositing money into the account up to the current amount of {$6600.00}. On XX/XX/XXXX I visited the bank to close my account. The bank refused to close it stating they needed authorization from the XXXX XXXX XXXX. I informed the manager they I was no longer associated with them. I contacted the XXXX  XXXX XXXX and spoke with XXXX XXXX. XXXX XXXX informed the manager XXXX XXXX that the program no longer existed and that the account was no longer associated with them. XXXX XXXX and XXXX XXXX XXXX still refused to close my account for the second time. I took off from work and traveled from XXXX XXXX, XXXX to XXXX XXXX XXXX  to close my account and was refused.

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 2018-11-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
A scam of a Fraud agency by the name of XXXX XXXX   has been posted their frivolous information on my XXXX and Transunion  credit bureaus, I have sent prior complaints to XXXX  and Transunion, I haven't got any positive response. 

I never had any contracts made with this XXXX XXXX   scam, nor I ever had any signed deals to pay any amounts of monies what so ever to them, this Fraudulent agency has not been able to validate it's information, they were not able to provide an invoice from their claimants, nor were they able to provide correct dates of information, It's a Fraudulent scam agency that steals people 's information or buy information on XXXX sheets, I want the credit Bureaus, Trans Union and XXXX  to immediately remove this false Fraudulent scam information from my credit report ASAP before I slam both bureaus with a Federal Lawsuit and huge Punitive charges and damages to my credit.

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 2020-08-20
Company: The CBE Group, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2020 I payed a collection account to a collector called CBE Group. 

I paid {$77.00} and some change to resolve a debt from a XXXX XXXX bill at a previous address. 

I had a credit reporting disputed and got this collection removed to improve my credit so that we can apply for a mortgage on a new home. 

I find out a couple of weeks later that a new collection on my credit report by a company XXXX XXXX XXXX ( XXXX ) is collecting for the same debt for XXXX XXXX. 

I disputed this again with the credit burea and XXXX. I sent proof of the payment to bot XXXX and XXXX XXXX with no resolve. 
I sent a second letter and email with proof again around XX/XX/2020. 

I call XXXX XXXX over 12 different times to resolve this but they only give me a ticket number and say someone will contact me. I never recieved any communications from them. 

XX/XX/2020 I get a letter in the mail from XXXX saying that they contacted XXXX XXXX about the account and XXXX told them that they checked all of thier sources and that no payment was made on my account but to continue collections on the account. 

I again called CBE Group to get them to help with the payment communication to XXXX but they told me only that, yes they confirm the payment was received but XXXX pulled the account from them on the same day and they do not know what happened to the payment processing. Told me to send them " CBE Group a letter explaining the circumstances with my proof of payment and then see what happens. 

I did send a registered letter again with the proof but get no resolve. 

In my opinion, CBE Group did take my payment but did not pay or communicate it to XXXX. They still have not. 

I am at a loss as of what to do next. My credit is being destroyed and neither CBE Group or XXXX is cooperating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13
Company: Receivables Performance Management, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Receivables Performance Management calls on Behalf of XXXX XXXX to collect XXXX dollars on an account that was opened through XXXX XXXX with my stolen identity. I became aware of the issue and filed a police report. I submitted the report to the credit bureaus and was eventually cleared of the negative impacts on my credit. Receivables Performance Management was made aware of the issue and still had the nerve to try and collect on this fraudulent debt. Im sure they have scammed numerous people using this tactic. The tactic being, they are aware thr victim is not at fault for the debit but still harass the victim into paying. Receivables Performance Management harasses me via phone about 3 times a week. I will not pay for fraudulent debit under my name.

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 2018-05-17
Company: Designed Receivable Solutions, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Designed Receivables is continuing to misstate and bully their way into collecting money that is no longer owed. XXXX XXXX is a group of physicians and medical group. There are a XXXX load of medical collections by designed receivables on my credit bureau. I have been waiting for Social Security XXXX for a VERY long time. Upon looking at my credit bureau, I saw a pile of these listings. I didn't know that they a ) didn't or wouldn't work with the medicare insurance, B ) wouldn't try and find Medicaid. It is true, I did not have any income in XX/XX/2012. When I finally got medicare, they did not try to file with medicare. When I gave them the info, they told me I needed to pay them and get money anyway. At that point, I called the billing dept. at XXXX XXXX. That is when the billing dept said th3ere is no balance. My medicare was backdated.

Company response to consumer: Closed with explanation