BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-04
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was 4 months behind due to job loss and I attempted a loan modification which Pennymac denied. I was told I would need to pay {$4100.00} to bring my account current. OnXX/XX/XXXX, I paid {$1000.00} over the phone and I was told to pay {$3100.00} to fully bring it current which I did on XX/XX/XXXX which equals the past total amount 0f {$4100.00}. In addition to that, I paid the escrow balance {$960.00} on XX/XX/XXXXin order to reduce my monthly mortgage amount and make it more manageable since I'm experiencing an income reduction. I made my first payment of {$860.00} but I received a bill stating that I have an outstanding late charge ate charge in the amount {$81.00} and another fee of {$30.00} which I was never made aware of during my calls on XX/XX/XXXX; XX/XX/XXXX and XX/XX/XXXXwhen the last 2 agents confirmed that my account was up to date and I also accessed online and that was confirmed as well. I've already contacted XXXX regarding this matter but Pennymac responded that it will take 30days to resolve which I'm worried that this will affect my credit and it didn't take them 30days to charge or deny my modification request. why should it take that long to resolve this matter. Attached you will find the bill that shows the amount to bring my account current which I resolved by XX/XX/XXXXto avoid any late fees if I was to pay after XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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 am a consumer by law and this is a formal complaint and was not sent in error or default. There are erroneous accounts on my consumer report not reporting 100 % maximum accuracy. I have experienced unauthorized use of my information.

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 2017-07-29
Company: NISSAN MOTOR ACCEPTANCE COMPANY 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:
This is not a duplicate complaint ; the issue from February was NEVER corrected and still shows as derogatory on my credit thus impacting my credit score, caused me to get an increase of APR % on two credit cards, and delayed purchase of a home. THIS HAS BEEN over 60 days with NO result. I allowed plenty of time to correct my CBR!! This has to be resolved IMMEDIATELY and I want a copy of the correction!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-27
Company: CITIBANK, N.A.
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Dear CFPB Staff, InXX/XX/2017 I applied for, and was approved for a Citi Double Cash credit card. However, since my first contact with them after the card approval, my card has been blocked by a fraud alert, which could not be resolved due to Citibank 's inconsistent and incompetent identification methods. 

My particular grievances are as follows : 1. Citibank is unable to verify me through numbers I own, even though ( a ) I have one number for 1 year, and the other for 5 years ; ( b ) both numbers on are my XXXX credit report ; ( c ) my numbers are reflected in other longstanding Citibank accounts that do not have fraud alerts and are in good standing.

2. Citibank is inconsistent with procedures to follow after failure to identify through phone numbers. One agent asked for numbers of my non-Citi credit cards and tried to verify by calling other banks ; after completing this step, the agent escalated this to supervisors, who promised to call but never did. One other agent escalated directly to supervisors, who again promised, but did not call.

3. One supervisor, whom I reached upon calling myself, were able to prove the identity after running me through a quiz. She gave me a passcode-style reference number, with which I supposedly could bypass the verification upon the next fraud alert. Agents in later calls refused to recognize this reference number, and ran me through grievances 1 & 2. Furthermore, the supervisor made clear to me that I could not bring up the quiz myself, as doing so may trigger an alert and they would not serve the quiz as a result.

4. After the only successive verification attempt ( purely by luck ) detailed in 3., Citibank refused to note the correct numbers to reach me, which leaves me again in the quandary of grievances 1, 2 and 3.

I believe that diligent fraud detection does have merit, but imposing an intransparent, and ineffective phone verification system destroys the usefulness of any credit card. Citibank leaves no mechanism for updating phone numbers in their fraud team database, and is completely inconsistent, incompetent, and intransparent regarding further verification steps should phone verification not work.

I have very pleasant experiences with the fraud teams at XXXX and XXXX XXXX, and believe Citibank is the only institution I do business with that is utterly ineffective at addressing fraud alerts. 

It is my sincere hope that CFPB looks into this matter and bring Citibank into action in repairing their fraud resolution system. 

Best Regards, An unsatisfied Citibank customer

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 2021-02-20
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I went to get financing for a vehicle advance. I was eager to go to the business until the vehicle sales rep returned into the room and educated me that he would not have been ready to make me account for any vehicles. This got me off guard I have consistently perceived the significance of having and keeping up great record. So I generally put forth a valiant effort to ensure I kept the entirety of my undertakings all together. So obviously I was loaded with various feelings when the sales rep educated me that I wouldn't fit the bill for any financing. These negative things being accounted for on my credit report are not my records. I request them be eliminated. This is maligning of character. This is likewise a FDCPA infringement 15 USC 1692d. Announcing erroneous things on somebody credit report adversely influences a shopper 's standing. FCRA 15 USC 1681 states that a purchasers credit report is the customer 's standing. In the event that these things are not eliminated quickly I will look for suit. I additionally gave proof to help that I was a casualty of the Equifax information break.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-08
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:
I AM A VICTIM OF IDENTITY THEFT, UNAUTHORIZED INQUIRES 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 explanation
Consumer complaint received 2019-02-11
Company: BARCLAYS BANK DELAWARE
State: CA
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 inquires that i do not recognize.

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 2020-12-20
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 sent in paperwork containing undisputed and overwhelming evidence about a late payment that XXXX XXXX XXXX XXXX  that is illegally and inaccurately being reported to my credit profile. Its been well over 30 days and Ive yet to receive confirmation that it has been deleted and have monitored my credit profile and it is still being reported falsely. I sent in a certified packet through USPS that I put a lot of work into and have been left in the dark. Im very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-03
Company: SYNCHRONY FINANCIAL
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
This company has been contacting me repeatedly as well as contacting my family members. I have asked them several times NOT to contact family members ever again. I have also asked them not to contact me further regarding the debt ( s ), as I have no money and especially now with my hours being cut due to COVID-19 and am facing homelessness. Each time they say they will note the account correctly to ensure I do not receive anymore phone calls and then a few days later I receive yet another call and the people become more and more aggressive and rude.

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 2022-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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:
During the pandemic I was affected and missed a payment for 30 days and the government announced a an extension in the payment and they did not do it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-01
Company: Early Warning Services, LLC
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Paid a deposit fee of {$50.00} using zelle ... to a XXXX XXXX, email address : XXXX For a XXXX puppy he promised me. 
The agreement was {$50.00} deposit and I was to pay the additional {$250.00} when we meet for the exchange. He quit responding after the 50 was sent

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This is a complaint against FedLoan Servicing for wrongfully denying my application under the Limited Public Student Loan Forgiveness Waiver. Ive summarized the relevant details in the attached letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-26
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
The account was permanently blocked on the XXXX of XXXX XXXX due to alleged fraudulent activity although supporting documentation was given to show that there was no fraud involved the balance was {$100.00} in the checking account and {$600.00} in the savings account that was deposited from my pay check American Express has failed to release the money owed to me within a reasonable amount of time the first contact on the issue was XXXX/XXXX/XXXX and was told by a female agent I would recieve my money in 7 or 10 business days I recieved {$100.00} in a check on XXXX/XXXX/XXXX 20 days past the date that was said and here I am today XXXX/XXXX/XXXX still waiting to recieve the rest of my {$600.00} from the savings account I spoke with a female agent on XXXX/XXXX/XXXX who said it would be sent in 7 or 10 business days again more lies

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05
Company: Absolute Resolutions Corp.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX Private Label around the year XXXX. I never gave my information neither to XXXX Private Label nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time XXXX XXXX XXXX is the company that is contacting me with the purpose of collecting the fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-26
Company: JPMORGAN CHASE & CO.
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: Personal information incorrect

Complaint:
I was solicited while on line with my XXXX account. I was offered a credit card to use, as I understood, with my XXXX purchases. subsequently, I received written notice from Chase, stating " We 're unable to approve your request for a XXXX XXXX XXXX Signature at this time. '' I had reviewed my credit only and few days before and learned that the 3 Credit Reporting Agencies had scored my credit between XXXX  and XXXX. XXXX is the score mentioned in the letter from Chase. The Bankruptcy ( Chapter XXXX ) was filed in XX/XX/XXXX and discharged in XX/XX/XXXX. Since then I have maintained good credit practices. There is no mention of the Bankruptcy as attested to by XXXX when they reviewed my credit history with me today. 
I suspect Chase of attempting to maliciously tarnish the credit that I have rebuilt since the Bankruptcy was discharged, as it was removed from my credit history as provided by law. 
I do not recall if Chase participated in the Bankruptcy or wrote off the debt. Several of my creditors, at the time of filing, were charging unreasonable amounts of interest and declined to negotiate with me. I filed Bankruptcy to obtain legal protection and satisfied all claims with interest. 
If I had known that the credit offer received through XXXX was from Chase, I would not have applied due their past spurious business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: JPMORGAN CHASE & CO.
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Took out a loan to move for employment for my son and I, the loan was deposited on XX/XX/2021, and it was stolen out of my account on XX/XX/2021, how convenient, this is not a consequence, my check was stolen from the Postal Service middle of XXXX for my son 's credit card bill, mailed it from work, have witnesses, and have a witness who watched me write the check. It was first deposited supposedly, which it says on the back, mobile deposit to XXXX, well they have competent people apparently, XXXX and Chase Bank do not have competent people. I will be made Whole again, I am a victim and I am not going to eat this, XXXX and Chase Bank will pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-25
Company: JPMORGAN CHASE & CO.
State: NY
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:
I have a Southwest Rapid Rewards Credit Card. On XX/XX/2020 I contacted the credit card company to find out what my complete balance was including any fees, interest, late charges ( or any fees because there are so many I can't keep track ). I called and spoke with a customer service person and I specifically asked what is my balance and fees do I owe completely. They explained to me that I owed completely {$1400.00}. I explained to them that I intended to pay off the entire balance by that Friday XX/XX/2020. The customer service person told me that if I paid off that balance by that Friday, there would be no additional charges and or fees. I paid off the balance as I promised. Then on Friday XX/XX/2020, I'm charged {$13.00} for a PURCHASE INTEREST CHARGE. I didn't make any purchases after I paid off the balance and I specifically asked the customer service person to tell me exactly everything I owe so how can I avoid these kinds of charges. This is ridiculous. I just feel like they are doing everything possible to keep taking money from me. At what point do I finally pay off this balance without me looking and discovering another arbitrary charge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-24
Company: EQUIFAX, INC.
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 belongs to someone else

Complaint:
Fraudulent, Inaccurate Unverified accounts are reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Transunion has AGAIN placed this collection back on my credit report after it has been remove they have not been able to successfully validate this account and when they think Im not paying attention they placed it place on my credit and increase the balance

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 2019-05-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received a robocall on XX/XX/2019, asking me to press " 1 '' to get information about a debt I owed. I was connected to XXXX XXXX, who identified the company as " XXXX XXXX XXXX XXXX at ( XXXX XXXX XXXX ). Claimed to represent MBNA, and that MBNA had been trying to contact me. I do have a debt disputed that originated at MBNA, but has long since been sold and resold over the years to various collection agencies. After I confronted him of this fact, he confirmed that in fact MBNA did not own the account. When I asked for his company 's address, he hung up on me. Multiple attempts to call back the company and get their address -- specifically to dispute the debt and ask for verification, resulted in them continuing to hang up on me.

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 2019-02-11
Company: Optimum Outcomes, Inc.
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have tried multiple times to contact optimum outcomes for the incorrect information on my XXXX, XXXX and XXXX credit reports. I want the information fixed it is hurting my ability to apply for new credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-01
Company: Synovus Bank
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I open this credit card account with money from own account during the pandemic i was unable to keep paying it so it went bad they close my account and sent it to collection, when i got back to my feet i called them t resolve it they sent told me they had already sent it to the collection agency i called the collection agency i paid them but they had a different amount then the company has when i called the company the company told that i didnt pay the right amount so they kept a balance of {$39.00} on my account that cant seem to come off. the collection agency tld me they have no record of my account and theres nothing they can do for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: EQUIFAX, INC.
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 received a forbearance and XXXX has still reported that I have lates on my credit report from XX/XX/XXXX through XX/XX/XXXX. My loan was in forbearance at the time

Company response to consumer: Closed with explanation