BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-08
Company: SYNCHRONY FINANCIAL
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
In XX/XX/XXXX there was data breach involving my Stein Mart XXXX XXXX   card. I called the fraud department right away and disputed the charges that were not from Stein Mart since I never used the card for any other vendors. I canceled the card right away ( XXXX XXXX XXXX XXXX ) Some of the charges came from other stores and they were taken off my account right away. But two of the charges involved companies that mailed items to my home address. I called the two latter companies and they refused to deal with me, stating that I had ordered the items and that I could not return them unless I paid for the shipping. I was told to refute the charges through Synchrony which I did. I learned through an Internet search that I was the victim of a scam : data is stolen, items are bought in stores, and items are bought online and delivered to home address and then stolen from the front door or a bogus XXXX envelope left for returns. 

When I first received my XXXX bill from Synchrony, I paid the {$38.00} for a Stein Mart charge ( which was my purchase ), but did not pay the {$210.00} for an XXXX Online purchase made on XX/XX/XXXX and the {$110.00} for an XXXX XXXX purchase. ( Total disputed : {$320.00} ) I also received a form from Synchrony 's Fraud Solutions Department that I filled out and returned to them. 

My XXXX bill showed credit for each of these disputed charges and a balance of {$0.00}. I thought the problem was resolved. 

In XXXX, the bill for {$320.00} returned on my statement and since that time, fines have been added. I have contacted Synchrony twice more trying to resolve this. I received two form letters denying my fraud claim because " Merchandise was shipped to customer 's verified address. '' Now Synchrony has been calling me up to three times a day. I have explained over and over that I dispute the charges and was the victim of a data breach. The phone calls continue but the issue is not resolved. I have excellent credit and don't want this to hurt that.

Can you help? 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 monetary relief
Consumer complaint received 2020-08-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
XXXX, I have reached out to Mr. XXXX XXXX XXXX XXXX # XXXX XXXX asked about the refinancing mortgage. I was looking to change my job from XXXX to XXXX. I told Mr.XXXX  that I am looking to change my job and the new job may need me to move to XXXX next year. He said it is not an issue if I do not move before the application is done.

So, I proceed with the application and paid for appraisal and XXXX lawyer fees and application fees that Mr. XXXX introduced me. On XX/XX/XXXX, XXXX XXXX ( NMLS : XXXX ) called me stating that he needs an email stating that I am currently working from home. So, I provided the email from HR confirming that I am currently working from home. 

I followed up on XX/XX/XXXX and XX/XX/XXXX, but did not get any response. So, I reached out to Mr. XXXX XXXX on XX/XX/XXXX. Mr. XXXX called me on XX/XX/XXXX that my application is rejected because they think I will move to XXXX. 
I told Mr. XXXX that all my documents I shows that I am currently working from home and all my documents shows that I work and live in NY. I told Mr. XXXX in a good faith that I may need to move next year which he said fine which should be recorded on the line. 

Mr. XXXX said all calls are not recorded due to COVID and can only refund appraisal but can not pay any XXXX related fees. 

Bank of America agent Mr.XXXX  lied to me that it would be okay. I provided all the documents that they asked, but they still rejected my application.

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
Consumer complaint received 2018-12-05
Company: PENNYMAC LOAN SERVICES, LLC.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PennyMac HAS engaged in the prohibited practice of dual tracking while having received timely all the required documents and financial information from the borrower requesting a loan modification. 

PennyMac has failed to deliver required foreclosure protections. 

PennyMac is using faulty information in the servicing of this mortgage loan. 

Please see attached letter correspondence dated XX/XX/XXXX, from the mortgage servicer, PennyMac Loan Services. 

The CFPB issued amendments on XX/XX/XXXX, The rule issued establishes new protections for consumers, including : Requiring servicers to notify borrowers when loss mitigation applications are complete : Whether a borrower is entitled to key foreclosure protections depends in part on the date a borrower completes a loss mitigation application. If consumers do not know the status of their application, they can not know the status of those foreclosure protections. 

The final rule requires servicers to notify borrowers promptly and in writing that the application is complete, so that borrowers know the status of the application and have more information about their protections. The CFPBs new rule clarifies that, if a servicer has already made the first foreclosure notice or filing and receives a timely complete application, servicers and their foreclosure counsel must not move for a foreclosure judgment or order of sale, or conduct a foreclosure sale, even if a third party conducts the sale proceedings, unless the borrowers loss mitigation application is properly denied, withdrawn, or the borrower fails to perform on a loss mitigation agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-15
Company: JPMORGAN CHASE & CO.
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: Account information incorrect

Complaint:
XX/XX/2020 XXXX  XXXX. XXXX  XXXX XXXX, TX XXXX To Whom It May Concerns : I recently sent your a dispute document requesting an investigation on inaccuracies appearing in my credit file. I received your response, and the following inaccuracies remain on my credit report : Acccounts- JPMCB CARD XXXX Reason- I paid this account on time in accordance with the terms and conditions of my contract. 

Once again I am notifying you that these items are not reported correctly for the reasons indicated, and I am asking you to reinvestigate them. According to the Fair Credit Reporting Act, Section 607, you must ensure maximum accuracy of the information contained in my credit report.

Please respond promptly. I prefer that we both avoid the pursuit of my rights under 15 USC section 11681n and 1681o, which require your compliance with the law. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a loan with SYNCB/BELK. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX  and SYNCB/BELK with no successful resolution. There was definitely an error on their part.

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 2018-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I paid down the balance of the Capital One credit card last month prior to the XX/XX/2018 reporting cycle via XXXX XXXX. The balance of the account shout reflect {$3300.00} not {$8800.00} like its currently reporting. XXXX has the correct balance but not XXXX. I tried resolving with Capital One with negative results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Barclays Credit card. Now that I have paid my balance off I make payments right away for any charges. Since I've begun to do that they have put a hold on my payments to make sure they " can clear '' from the bank instead of applying them immediately as they always have in the past. It makes no sense at all.

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 2020-08-25
Company: RFNA, LP
State: SC
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 a loan with XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX, and REPUBLIC FINANCE LLC/L with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I have contacted the following companies numerous times and filed a claim with XXXX  and TransUnion. I have contacted XXXX  XXXX to inform them my score is incorrect and this problem has not been resolved. XXXX   XXXX has not contacted either XXXX  or TransUnion to my knowledge. My card balance for the account ending in XXXX is {$1300.00} and balance for the account ending in XXXX is {$660.00} as of today XX/XX/20. I have made previous payments on both accounts to lower the balance over a month ago and have filed a previous claim. I have made sure to keep the balance low. We are trying to buy a home and are having an issue getting a non FHA loan because my score wont update due to my account balances. Thank you for your time hopefully they can resolve this.

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 2018-03-13
Company: Reliant Capital Solutions, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This debt collector calls my employer and my work phone number several times per day. They usually do not leave a message, but when they do, they tell me they are calling from the Attorney General for the State of Ohio. I contacted the attorney general 's office and they said they do not know this company or this number. 

I have asked them both via the contact email address listed on their website and via the contact form on their website to stop contacting me by phone and they have not responded. They will not tell me what kind of debt they are trying to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-01
Company: EQUIFAX, INC.
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquiries done with out my consent by Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-22
Company: Experian Information Solutions Inc.
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: Personal information incorrect

Complaint:
I've been having problems trying to contact the credit bureaus about updating my personal information on my credit report.

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 2020-05-12
Company: Radius Global Solutions LLC
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 status incorrect

Complaint:
I have been in contact with a debt collector, Radius Global Solutions, regarding incorrect information that was reported to the credit bureaus. I received confirmation on XX/XX/XXXX that Radius Global was in receipt of notice to delete collection due to a mistake made by the original creditor XXXX. 

I am in a dyer financial situation from the pandemic and am in need of financial assistance via bank loan which I would be able to receive but for the 200 point drop on my credit report resulting in what Radius has confirmed verbally is knowingly incorrect however they are unwilling to provide a letter stating same so I can expedite the correction of this slanderous reporting of which Radius has agreed should be corrected. 

I have been in daily communication with the below Department Supervisor only to be led along with delay tactics to correct this wrongful reporting : XXXX XXXX Radius Global Solutions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KS XXXX Direct ( XXXX ) XXXX Fax ( XXXX ) XXXX XXXX Email chain attached.

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 2021-02-09
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I received correspondence from XXXX  via email regarding a 2004 student loan in the amount of {$420.00} with instructions to reply to the email in order to prevent the loan from going into default status. I replied to the email each time it was sent but did not receive a response. It turns out that their instructions were incorrect and that no one at XXXX was monitoring that mailbox. 

The loan was subsequently placed into default and I was instructed to make 9 consecutive payments in a 10 month period so that the loan would be returned to " good standing. '' I made the required loan rehab payments and then proceeded to pay off the loan balance. XXXX then informed me that the loan would remain in default status because I had not submitted paperwork regarding the loan rehab. 

A loan rep had sent me invalid links to sign documents electronically. I requested proper links for documents several times but received no response. 

My credit report still reflects a defaulted loan and XXXX either does not reply to my requests for correction or replies with a form letter that is unrelated to my request This has caused me irreparable financial harm.

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 2020-07-03
Company: Atlanticus Services Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Fortiva Credit Card is charging too much in fees. I pay my bill in a timely fashion ; however, the over limit fees and the short grace period to pay the bills is unreasonable. I advise them that due to the pandemic everyone is experiencing some difficulties, my health insurance has increase by {$230.00} and I told them I have no problem in paying the bill but to charge O/L fee due to the account being a few dollars over due to the high interest rate anyway - which is why you incur the fee. I need them to waive the O/L and late fee. 

I asked to have the O/L fee waive and not to charge such rate during these critical times. 
They want to pressure you into having automatic payment which I am not going to agree to - as if you have an emergency these companies will still snatch your money anyway. 

I advised them of the fee on, apx, XX/XX/2020 and I had other previous conversation with them about their fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: Westlake Services, LLC
State: NV
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 a loan with WESTLAKE FINANCIAL SVC and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, WESTLAKE FINANCIAL SVC and XXXX XXXX with no successful resolution. There was definitely an error on their part.

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 2019-08-25
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Card was charged for something you did not purchase with the card

Complaint:
I changed my amex credit card because a fraudulent act so they send me a new one. But they let 2 different vendors even if they have the wrong card number charged my account without my consent. It was XXXX in XX/XX/XXXX for XXXX $ and also XXXX on XX/XX/XXXX for XXXX . They also try to call me on Sunday XX/XX/XXXX at XXXX totally out of legal hours

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-13
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I sent a certified letter to the company multiple times and tried to call the company to remove the inquiry from my credit report and was informed to contact the company that did the inquiry to have them remove the inquiry from credit report. I contacted the company and was informed by the company to contact the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-25
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
on XX/XX/2019 experian reported two new late payments on my file and decreased my fico score by 41 points. there were NO NEW LATE PAYMENTS - the two accounts that were documented as having the two NEW late payments were XXXX XXXX XXXX and XXXX XXXX XXXX. however - both accounts have been closed and charged off for many years. 
for the past 5 years - since they are closed and charged off - there have been NO new late payments reported. see attached experian documentation taken from their web site for my account - you will see 2 " Negative Payment Activity We noticed 2 new negative payment activities. '' however - look at their report stating the last time there was any late payment incidents and you will find the last late payment on my file was 1 year and 2 months ago which is actually not related to either XXXX XXXX nor XXXX XXXX - it was a late payment on a closed PAID IN FULL credit card account - so experian needs to research and explain why i have not had a late payment reported on my file but they report i have 2 new late payments - this is contradicted by their own audit trail on my  late payment history. 

this is incorrect and is causing me financial hardship because it takes my fico score from ok to poor. experian needs to be in adherence with the fair credit reporting act and correct this error on my file and add the 41 point drop back into my fico score. 

Open Credit Cards 0 Open Retail Cards 2 Open Real Estate Loans 0 Open Installment Loans 1 Total Open Accounts 3 Accounts Ever Late 3 Collections Accounts 0 Time Since Negative 1 Year 2 Months Average Account Age 5 Years Oldest Account 11 Years 6 Months

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 2017-08-03
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
On XXXX XXXX, 2017 I asked Navient to provide me with ALL documentation for my loans. They only provided 2 Promisary Notes for my Private Signature Student loans. I have NO documentation on my federal loans. Further more, I do n't know the specific amounts of interest, fees, or principal that I have paid on any of my loans. I suspect they have not been applying them properly which is why after 12 years, I have paid $ XXXX, which is more than my total amount borrowed, yet I still owe them a ton! I believe they are being unethical and at this point my debt should be forgiven.

Company response to consumer: Closed with explanation