BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-11
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit 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:
For the past year and half I have reached out to this Comenity Bank for a XXXX XXXX card - They keep missing my whole point stating this is your account we verified it you opened it. Thats not what I disputed - The card was STOLEN and used without my consent! The charges are not mine and fraudulent. They have yet to provide proof of debt validation other than a statement. This provided nothing! That doesnt show someone used my card unauthorized and by federal laws Im protected in this matter. I will now seek legal action if not resolved. They runaround and completely ignoring me is so unprofessional and illegal. You can sent a statement and says there proof. Doesnt work like that in the rights & law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: Experian Information Solutions Inc.
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: Account information incorrect

Complaint:
On XX/XX/XXXX I again looked at a XXXX XXXX XXXX  account on my Experian account and it STILL is reporting false information that damages my credit. On multiple occasions I have disputed via certified and regular mail ( 4 times ) that this account is too old to be reported as the DATE OF FIRST DELINQUENCY WAS MORE THAT 7.5 years ago and EXPERIAN continues to lie and say it has verified the account when clearly if the did they would have the specific records that prove my point. XXXX XXXX also told me they did not provide anything to Experian And they refused to provide me with any records that old in a closed account because it was too much work and they did t do that. THIS ACCOUNT IS TOO OLD! I also demanded details and copies of all original documents to show original proof that account is too old and has aged off from date of first Delinquency more than 7.5 years ago!!! I WAS ALSO IGNORED AND NOT PROVIDED WITH PROOF OF INVESTIGATION BY EXPERIAN WITHIN THE 15 day deadline or EVER! Also- EXPERIAN AGENT XXXX INFORMED ME ON XXXX XXXX That there were 6 current late payments added to my report on this 6 years closed account!!! He also agreed to remove them but he did not! 
Please instruct Experian to delete this account for being too old older than 7.5 years. You will note in the material from Experian I am attaching that EXPERIAN DOES NOT INCLUDE THE DATES IN ITS REPORT FROM XXXX XXXX XXXX XXXX. IF they investigated any dispute they would have gotten these records as that was the basis of my dispute. SINCE THEY DID NOT THIS IS ADMITTING THERE IS NO EVIDENCE AND TJEY ALSO FAILED TO PROVIDE WITHIN 15 days of certified letter the proof. THIS ACCOUNT MUST BE DELETED! They should not get to delay things by now trying to investigate when THEY DELIBERATELY DID NOT FOLLOW THE LAW!!!

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 2020-07-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: AZ
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have been out of work for two weeks due to results pending for my daughter. I will not be able to make mortgage for the month of XXXX and struggle with XXXX mortgage due to caching up on other bills that I will be behind on

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
They mis-handled an extra payment I sent to cover for insurance rate increase. They were suppose to back it out, apply it correctly and then all would be fine. That was in XX/XX/2018. I have called every month after getting threatening letters, and they always say they will re-do it. The last time I called in early XXXX, they told me I was 2 months behind! My mtg pymts go out from auto-pay every month on the same day. I've never been late. They keep me on the phone for 2 hours, and then promise to fix it. But nothing changes, and I keep getting threatening letters. 
I'm a XXXX veteran [ 100 % ] and part of my XXXX is XXXX. They keep me on the phone for so long it wears me down. I also have XXXX XXXX XXXX   problems, so I can have a conversation and 10 minutes later I can't remember what was said. So I have tried to keep short notes of each of the last 3 months of calls. On XXXX XXXX, PennyMac responded to the Texas State Attorney Generals complaint I filed. Here is my note : XXXX : PennyMac called me XXXX XXXX. XXXX ext XXXX Dept : Priority Complaints. He advised me that he was recording the call, and when I told him I would do the same, he told me that XXXX would not talk on the phone with me if I recorded the call. I told him 3 times I would stop recording if he would answer my questions. He would not talk to me or answer any questions, and then hung up. I asked him if they were going to foreclose on my home and he would not answer that either. I asked him this question at least 3 times with me, and he would never answer. 
This produces great stress with me. I really don't know what to do at this point. I'm afraid of becoming homeless.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-26
Company: Experian Information Solutions Inc.
State: MO
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:
XXXX XXXX XXXX is reporting inaccurate information regarding an alleged late payment. We were never late on this account. I have disputed this information with XXXX XXXX XXXX and they have claimed to verify the information as accurate. However, I was able to locate the agreements signed by an account representative of their company which moved the seasonal payment due date and receipts and confirmation numbers showing we continued to make our regularly scheduled payments during this time. The seasonal payment is a flexible payment that is contingent upon when customers receive their tax returns back from the federal government, in which consumers have no control over. A payment can not be late is the due date is modified in writing by a representative of this company. XXXX XXXX XXXX continues to report this inaccurate information despite my dispute, and efforts to bring a duty to report information accurately per the Fair Credit Reporting Act to their attention. I have disputed this information with the Credit Bureau, Experian, as well who has also claimed to verify the information as accurate when in fact it is not, and the enclosed records provided to both companies proves this. However, they continue to report this inaccurate information in violation of my consumer rights under the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/2018 I processed a payment that closed my XXXX open payment. At that time, I owed for XXXX payment that was due as of XX/XX/XXXX. I recently tried to make a payment on XX/XX/XXXX but the charges were denied. I was told to contact customer services. I was told that the account was past due for 32 days. I asked the representative what payment date I owe for. I was told I owed the XX/XX/XXXX payment. I asked the representative to explain how I was 32 days past due, but only owed for the XX/XX/XXXX payment. I chose to end the call because it was getting very heated. I called back and spoke to a manager who noticed the issue. The manager put in a complaint on my behalf to fix the issues on the account. I still did not receive an explanation as to what issue occurred. While speaking to the manager, I was told that I would not be able to use my account until the XX/XX/XXXX was paid. I did not receive an explanation as to why I still could not use the account. I called back and asked another representative the days past due a customer had to be before they would lose their purchasing ability. I was given 30 days past due. I would like to find out why my purchasing ability has not been restored due to the fact that my account was past due by only 10 days while the company policy is the account has to be 30 days past due.

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 2020-06-26
Company: PNC Bank N.A.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I tried to connect my PNC account with my XXXX account and it won't connect. I tried contacting my bank but they said they could help me. I have several friends and relatives who also want to use that service with their PNC account and they are having issues too.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: SC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
After contacting onemain they attempted to acquire personal information from me to include address, phone number and full SSN. As soon I informed them that this wasn't my account and that I recently filed for identity theft with the police department and sent the report to all three credit bureaus they told me that my account was transferred to XXXX XXXX XXXX ( XXXX ) and to contact them ; which never showed as a debt collection company on my file. I contacted XXXX and informed them of the same information and they went through the verification process as well but noticed a large amount of identification errors from address and birthday and amount claiming to be owed. I called XXXX back after never receiving a fraud packet that i requested and they told me they sent the account back to onemain and labeled it as fraudulent account. So i called onemain back and inquired again, and of course they wanted more personal information to verify who i was and then instead of talking to me informed me of the attempt to collect a debt. I finally got to a dispute representative who said they used to be Springleaf financial  and I informed them of the account be settled/wrote off due to breach of contract which the Springleaf respresentative in XXXX, South Carolina acknowledged. They attempted to spike my interest rate after the first payment was made which I informed them was an illegal interest rate for an XXXX XXXX XXXX per the Soldier/Sailor Civil Relief Act. I never heard from Springleaf again and here we are 5 years later with tarnished credit due to myself never being contacted or informed of any type of selling of the account or merger with another business. I never borrowed that much from springleaf so the ammount is also far from accurate. I am not an uneducated adolescent new to the credit world. Anyone can pull my current loans, credit lines or reports and see that my accounts are current and never missed a payment ; so why would I have done that then. I have integrity and if Springleaf would have be as integral neither the onemain or myself would be in this position. As the consumer I am attempting to purchase a home and can not do so because of something 5 years ago still haunting me now because of a mistake made by an account which onemain took over.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
For years I have been paying a lot for insurance. I kept getting told by all the insurance companies that it could be that my credit is not so good due to them running a consumer report during the quoting process. Every time I would get a quote it would come back high or ineligible. I have always paid my accounts on time. I decided to get my report pulled and out of surprise there is a lot of things that do not belong to me. Please remove these items from 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 explanation
Consumer complaint received 2018-05-01
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Good Afternoon, My name is XXXX XXXX XXXX and I originally took out student loan in XX/XX/XXXX with Sallie Mae for the amount of {$12000.00}, which is now owned by Navient. Yes, I admit I have put my account on forbearance more than I should have.Well, now I have an amount of {$32000.00} to pay back. Well, I have been a XXXX XXXX XXXX for 27 years, 14 of them being in XXXX XXXX XXXX in Georgia. I filled out the documentation necessary to have {$17000.00} removed from my overall balance. They said it would take 6 weeks to get an answer. I waited for 2-3 months, until I called them to get a reply. The woman on the phone stated that I was accepted into the program where that {$17000.00} was going to be forgiven. The floor manager said they have no record of me calling them, and that person, whoever it was, gave me the wrong information. They say that I AM NOT forgiven the {$17000.00} because the loan was issued before XX/XX/XXXX. That was not told to me until now ... 3 months later of talking to the woman who said I did qualify. The manager, once again, said I should have received a letter from them stating that I was denied of this program ... WHICH I NEVER RECEIVED!!! ... even though, I have been XXXX XXXX XXXX for 27 years and again 14 years in XXXX XXXX XXXX. I am usually not a person who cusses, but I did with this floor manager, and for the first time, I am not sorry for doing it. I NEED HELP PLEASE!! I am a XXXX who supports her XXXX year old mother. Please help me in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Reporting debt that was never given guidance on insurance co-pay vs patient responsibility up front.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & COMPANY
State: GA
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:
On XX/XX/XXXX at XXXX XXXX I received an email from XXXX XXXX. XXXX XXXX informed me that my Wells Fargo Credit Card account has been closed. So, on XX/XX/XXXX at XXXXXXXX XXXX and XXXX XXXX I called Wells Fargo Credit card Department at XXXX to get some information on why wasn't I notified through them in write, email or a phone call to let me that my credit card account we being closed my their company. One person didn't give me a explanation on why the didn't notify me and the other person when I called back to make arrangements and to see if the account would open back up this person told me the account was closed for good and they're going to add late fees and inerest on the closed and account. When I asked her why would the keep add of those fee 's when their are then one who closed my account she told me that's their policy.

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 2018-06-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
4 fraudulent charges were made to the card beginning XX/XX/18. These were immediately reported to American Express Serve, and they were asked to investigate the charges, put a hold on the card and issue a new card. The account has over {$700.00} in it, and the money is needed to pay bills. No card has been issued. No report on the fraud has been given. The card is frozen and I can not get my money. Whenever I call, which is every week, I am told they will have it resolved in 5-7 days, This has been going on since XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26
Company: JPL Recovery Solutions
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Over the few months. JPL Recovery Solutions, mainly a woman named XXXX XXXX has called me daily. She has called my places of employment, my land lord, my father, friends and family daily. Threatening to sue me, have me arrested, making false statements, refusing to provide answers to questions that they are required to provide, when asked, by law, and calling more frequently than is permitted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery Associates ( XXXX ) have claimed they have a debt in my name for {$3500.00} from XXXX. I was in high school in the year XXXX and did not have any credit cards. When I called to speak to the company on XX/XX/XXXX, I was told that I needed to now call and talk to XXXX XXXX XXXX ( XXXX ). They refused to give me any more information. This feels like a scam to either get money from me or obtain my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX  has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.

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 2020-07-26
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: Account status incorrect

Complaint:
Experian has continued to report an Charged off account from XXXX willfully and are in noncompliance of the FCRA SECTION 623 ( a ) FOR FURNISHER TO report complete accurate information. I am requesting immediate deletion of the XXXX negative account for repeated violations under federal codes. STOP USING E-OSCAR, I am requesting a complete and accurate investigation.

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 2020-08-22
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I maxed out a Wells Fargo credit card XXXX and settled out with them XX/XX/XXXX. They never called to collect money prior or before I paid it off. I asked a couple times if they could remove from my credit report. I even got a credit repair to help remove but no one has removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26
Company: WELLS FARGO & 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:
Wells Fargo Fraud Claims Department will not process my fraud claim, and asked me to fax my claim its Reconsiderations Department. I filed an FTC Identity Theft Report, and was told by a supervisor named XXXX in the Fraud Claims Department that I could be liable for fraudulent purchases made on my account after I made a payment on my account. Mind you, both payments made were on concurrent days, one by phone and one online, and neither payment would show me account activity that could have alerted me to potential fraud. Further, I am being told, when similar fraud has occurred on my other credit cards, as in an entire account take-over, those fraud claims have been resolved, yet Wells Fargo tells me it will take 30 to 45 business days to resolve this claim. I am currently applying for mortgages and can not have this high revolving credit account appear on my credit report and bring down my credit score, affecting the kind of mortgage I could possibly get. In addition, I have sent proof to Wells Fargo verifying my whereabouts when certain fraudulent charges were made, making it impossible for me to have made these fraudulent charges. Please help me have Wells Fargo resolve this claim timely so I can apply for a mortgage and get the best rate possible, keep my credit score intact, and allow me to regain control of my life. The Reconsiderations Department at Wells Fargo does not have a telephone number where I or my Consumer Protection Attorney can contact them to discuss this claim, as I want to be proactive and not reactive, especially given the large money amount involved and the extent of identity theft with this and my other credit card claims.

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 2018-07-12
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have sent numerous debt validation notices and never received a response back from the creditor. As per the Fair Debt Collection Practice Act ( FDCPA ), a creditor is supposed to response and no attempt to collect until they have responded. However, this creditor has not responded and is still attempting to collect, which is in violation of the FDCPA.

Company response to consumer: Closed with explanation