BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-15
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I have been getting more than 7 calls a day now going into texting me about payment. I make a payment they add more interest. I explained I have some of cash and asked to settle. All I get is more charges and constant calls that never end.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-19
Company: Navient Solutions, LLC.
State: OK
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:
The dept of education garnished my income tax refund for several years ending in XXXX when I received a partial refund with an explanation that it was the balance after the debt had been paid. Now in XXXX I am just now recieving notice that there is still a balance and it is greater then the original debt despite over six grand in payments, I only attended two years. The initial reported debt was XXXX I paid XXXX and now I owe XXXX, how is this possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Resurgent Capital Services L.P.
State: KS
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I check my credit report and I was surprised to find out that I have a collection on my credit report that I have no knowledge of originally stating the company XXXX XXXX XXXX put to collection XXXX XXXX XXXX  the amount of {$870.00} opened XX/XX/2014. I immediatly contacted the collection agency to get an explanation by phone, I explained to them I have no knowledge of this account and asked them to get any kind of proof of me authorizing or any kind of proof that this is mine. They put me on hold for several minutes and then the representative told me to contact XXXX XXXXXXXX XXXX to find out why they put me in collections. I contacted XXXX XXXXXXXX XXXX by phone explaining to them everything I have been through, and asking them for an explanation. After a few minutes putting me on hold the representative said since the account is in collection they can not provide me with any documentation and I need to contact the collection agency. After a few days of several attempts to resolve this dispute with the collection agency and with XXXX XXXXXXXX XXXX I decided to contact again XXXX XXXX XXXX  by phone and asked to speak with a account manager specialist hoping that he will resolve this issue once and for all but it has not been resolved. They just transfer me one to another, and sending me back and forth without providing me any signed documentation. Therefore I ask the CFPB to open a full investigation and order the collection agency to be delete and remove from my credit report with all 3 bureaus XXXX, XXXX, and XXXX or provide me any signed documentation or any other proof of me authorizing this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-30
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are a series of inquiries that I do not recognize and seem to be of a fraudulent nature, I have already disputed and showed an ID Theft affidavit but they have not been removed. The Inquiries are the following : Equifax XXXX CARD XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX Equifax XXXX FCU XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX CARD XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: OCEANSIDE MORTGAGE COMPANY
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:
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and yard sustained minor damage, but enough to need money to fix. Oceanside Mortgage sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from Oceanside Mortgage asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX  during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX  credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted Oceanside Mortgage and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with XXXX. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from oceanside mortgage '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I called into Capital One regarding my credit card at the start of the pandemic XXXX XXXX XXXX citing hardship due to lost wages, since my job was essentially put on hold. When I had called in XXXX, Capital One agreed to waive late charges. My account was in good standing at that point as well. 

Yesterday, I looked at my XXXX score and discovered that Capital One had marked me 90 days late. I called into customer service yesterday XXXX XX/XX/20 XXXX to dispute the fact that they are marking me late on my credit report. I opted to close my account as the Capital One Customer Service Supervisor, XXXX, said he was unable to remove the late markings on my credit report. This has dramatically effected my life as it has dropped my score from XXXX to XXXX!!! I'm in the process of applying for a home refinance and this has effected my score, and likely my ability to refinance!!!!! 

Capital One 's actions and practices are particularly egregious during a time of severe hardship when so many families have been pushed beyond the brink financially. They were notified in XXXX that I was experiencing hardship due to the virus situation, yet can still mark someone late, effecting their credit scores? Absolutely astonishing that a company like Capital One can do this to someone. Capital One should be ashamed of themselves!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: WELLS FARGO & COMPANY
State: TN
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:
In late XXXX I got behind in my payments on a home loan with Wells Fargo due to financial hardship. I applied to have my loan modified and it was taking several months. I was told not make a payment until it was finished. In XX/XX/XXXX I went on XXXX XXXX orders with the XXXX XXXX XXXX and continued to try and get the loan modified. I was told that I would be put on a deferment and make a partial payment, despite wanting to just have the loan modified and move forward. I started the process again in XX/XX/XXXX and it wasn't until the spring of XXXX that I was told I did not qualify for loan modification. I was told my home would be foreclosed unless I could pay the balance. I asked if I had any other options and, for the first time, I was told I could sell the home. I was able to sell it a day after it went on the market and pay off the loan in full. However, this has had a very negative impact on my credit report. I recently found out that I should have easily qualified for a loan modification due to my military status. I feel I was not completely informed, especially in regards to being able to sell my home.

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 2019-01-19
Company: CCS Financial Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Company posted negative false report on my credit report. I never had said account and I have reported it as false identity and notified credit bureau and collection company. Date opened on credit report XX/XX/2018, last updated XX/XX/2018 on my credit report. Amount that is stated that is owed is {$490.00}. 

I have disputed this with credit bureau and with collection company and notified them that i never had this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX XXXX, FL was hit by Hurricane Irma. My home and  yard sustained minor damage, but enough to need money to fix. XXXX XXXX sent an email offering Forbearance on my mortgage, a government program designed to help alleviate financial burden to those in need. The language in the email includes : " Q : How will a forbearance plan impact my loan? 
A : A forbearance plan is a temporary suspension of your monthly mortgage payment. During the forbearance period, payments are not required. In addition, negative credit reporting will be suppressed and late charges will be waived for the duration of the plan. '' Believing this would help I decided to take advantage and use the money to make some needed repairs and I could repay the loan when it was due or do a payment plan that oceanside would later offer. The 3 month term on the suspended payments goes by and I receive a phone call from XXXX XXXX   asking how I would like to pay. I originally was going to do payments but due to all of the overtime I received from being a XXXX/XXXX during a natural disaster I ended up being able to pay the balance IN FULL before the due date. I was never later and i complied with all terms. 

A year later, during the first week of XXXX, I received a credit alert that my score had dropped 55+ points. Suspecting fraud, I immediately starting checking my accounts. I pulled an XXXX credit report, only to find this languange " Between XX/XX/XXXX and XX/XX/XXXX the following remark wad removed from this account : AFFECTED BY NATURAL DISASTER. '' I immediately contacted XXXX XXXX and was advised that there was nothing they could do. I explained to them it was forbearance and I wasn't truly late but they repeated there's nothing they could do. The next step I took was to file a dispute with transunion. Nothing was done. Here I am 17 months post-Irma and this issue has affected me once again. I applied for a loan on a home and was informed I was denied due to " 60 days late payment from XXXX XXXX '' I am being held hostage by my incorrect credit report. I wish for my credit report to be reflected accurately with NO LATE PAYMENTS. I adhered to the terms offered for forbearance and should not be punished for utilizing a government program.

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 2021-04-06
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
There are 3 accounts on my credit report that are not mine I have tried contacting the bureaus and they are giving me the run around and not answering anything. This is clearly identity theft and I need these off my credit asap. There are also 4 inquiries that are appearing that are not mine please help me out by removing these it si not fair for me to go thru this monthly with the bureaus for these accounts and inquiries. 

XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX  XXXX - Acct # XXXX XXXX {$0.00} XXXX XXXX - XXXX XXXX  XXXX - Acct #? Amt {$0.00} INQUIRIES XXXX XXXX XXXX - Inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX - Inquiry date : XX/XX/XXXX XXXX - Inquiry date : XX/XX/XXXX XXXXXX/XX/XXXX - Inquiry date : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
This complaint is to inform the Consumer Financial Protection Bureau of the willful, reckless and negligent inaccurate reporting of the below information on my credit file by TransUnion. TransUnion refuses to provide me with any proof that I authorized the companies listed to receive my credit report. 

XXXX XXXX XXXX XXXX, this inquiry is showing that it was pulled in XXXX XXXX, XXXX XXXX   XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX, XXXX XXXX XXXX, this inquiry is showing that it was pulled in XX/XX/XXXX and again in XX/XX/XXXX. 

Therefore, the XXXX XXXX XXXX XXXX, XXXX   XXXX XXXX, and XXXX XXXX   XXXX, ( pulled twice ) inquiries need to be removed from my credit file from TransUnion. 

I would like to be provided proof ( via wet ink signature on the documents ) that I consented to these inquiries via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. I do not consent to XXXX for means of verification done by TransUnion. 

I do not recall authorizing the following inquiries and demand they be removed from my credit file from TransUnion.

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 2021-04-30
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
As a follow-up to CFPB complaints # XXXX and XXXX, I am submitting an additional complaint, as the Company has failed to fully reply to my concerns and requests, and there are remaining issues. Please see attached letter for complete details. In summary, the Company is not fairly addressing my disputed transactions, is procedurally biased in favor of the merchant, and may be in violation of the letter and spirit of the Fair Credit Billing Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-09
Company: EQUIFAX, 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:
With the Care Act, student loans were put into forbearance. My daughter is buying a house and I want to refi my home. Her score dropped by a number of points because her federal student loan was reported in forbearance. ( she has no lates and has paid off her wedding debt in XXXX. This should be corrected immediately. The credit score should not be impacted by this. I pay her loan and I am a co-signer. I can pay for her loan. I was never notified nor asked is I wanted this. I know this is to help the country. I am not against that. But you are helping on one hand and slapping with the other. We need to get this fixed for her asap. She will have to pay a higher rate because her score is affected. She is at XXXX now. Her Mortgage score will be lower, I am sure. Her mortgage score before this was above 720.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-21
Company: AMERICAN EXPRESS COMPANY
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I was unemployed for 6 months trying to stay above water. I had communicated with each one of my credit cards about the situation and what i was doing to resolve it. I was able to find a job finally and started getting paid and i paid all of my payments. When i went to pay my American Express payment I found out that they had decided to cancel my account. The customer service agent then told me if i paid the account up to date that he could work on getting my account reopened. So i paid a large sum of money to get the account out of the hole and he said he would start working on the rest. I called back today and they told me they won't reopen my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-11
Company: EQUIFAX, 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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-19
Company: Perfection Collection
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX is always reporting that I owe them in which I dont even have an account from them. I havent used any XXXX in my apartment and my previous apartment. This is a scam. Someone is using my identity.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
BBVA Compass Bank forced Simple Bank customers to transfer to their bank - they have cutoff access to information on the Simple website and I am unable to access my BBVA account in any way. I have called several times and the customer service center reps say they can't hear us ( this has happened to mutiple people and is well documented on social media, including recordings of them saying this and hanging up ) and hang up after being on hold for over an hour. I still have no access to my account, the customer service center is actively rejecting any request for information, the Bank has sent no emails explaining the problem, and what they're doing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: Credit Plus 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:
Credit Plus has repeatedly run my credit for the last three days without any authorization. XXXX. No action has been taken by myself or Credit Plus.

Company response to consumer: Closed with explanation