BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-09-12
Company: AMERICAN EXPRESS COMPANY
State: CA
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:
This is regarding Complaint ID 's XXXX, XXXX and XXXX. 
I am now paying for monies on the refund and this is an accounting error on the American Express side. This error can be clearly shown in the American Express provided XXXX which is the accounting ledger file and if you compare the numbers amounts to that of the statements we see inaccuracy. 

XX/XX/2016 Reference : XXXX XXXX AUTOPAY PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ONLINE PAYMENT - THANK YOU XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX ADJUSTMENT XX/XX/2016 Reference : XXXX XXXX MANUAL CR BAL REFUND

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: The Receivable Management Services LLC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2018 I pulled a hard copy of my credit report and noticed a negative collection account. That was my first time every seeing anything from that company. 

On XX/XX/2018 I sent out a certified letter ( that the company signed and returned ) asking them to validate the debt. 

Its been over 30 days and I have yet to receive any response.

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Kohls customer service agents are making illegal changes from my account. I initiated a web chat with Kohls charge card customer service on XX/XX/2020 to add my sister as an authorized user on my account. That was my only intention. The woman from their customer service web chat, " XXXX XXXX '', asked for my email to pull up my account after already validating other information when I initiated the chat. My email on my account has always been the same, and I gave her that correct email. She said she could not find my account with that email address ( even though I was literally looking AT MY account summary screen as we were chatting and I am very aware after having this account for so long that she must have entered it incorrectly, and/or I should have been able to figure out why it didn't come up for her because that is also a serious problem, imho, for the email to not pull up ). She then illegally CHANGED my email to a different email that is NOT my email and that I have NEVER had access to. I do NOT have a gmail. I only found out because I got an email ( to my correct email ) saying that this WRONG email change was made on my account - without my authorization or knowledge! I do not know if the person on the other end of that OTHER email address ( the one she changed it to ) will illegally access my account without my knowledge. I found out by receiving an email stating that there was a change made to my email and even my rewards account was changed - such a violation! She also disconnected the web chat to try to prevent herself from getting a bad survey or being held accountable for making illegal and incorrect changes on my account on my behalf. The next customer service associate ( when I CALLED ), said he was able to correct my email back to the email I have ALWAYS used ( so my email should NEVER have been changed - in what, 7-10 years (? - I know I have had this account for a long time ) of having this charge account I have never felt more upset. Someone literally saw me insist on having provided the correct info only for this person to literally change it to a different email than the one I provided out of - spite? I don't know. But I do know it is illegal. I believe the incident number is XXXX, but she had also provided me with what I presume is also an incorrect incident number because she knew what she did was wrong. So that is probably at the very least a violation of policy, I would hope.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Could you please assist me with rectifying, according to law, how a mortgage Servicer/Lender can require me to pay for a hazard policy that was never forced placed? 

As background, on the XX/XX/XXXX I close on my house which was originally financed by XXXX. XXXX. At closing I paid for a full year of Hazard Insurance coverage ( set to expire XX/XX/XXXX ). Before my first mortgage payment was due, PennyMac bought my loan from XXXX. XXXX and since I have been making payments to include escrow for hazard insurance. 

To my surprise, on the XX/XX/XXXX I  received a call from PennyMac informing me that my hazard insurance policy was cancelled. Which was discovered by PennyMac when they made contact with the insurance carrier to renew the policy. I immediately called my insurance company only to confirm the bad news. Since I have found a new policy and informed PennyMac to pay for my new insurance out of the escrow account. PennyMac took care of the new policy and went on thinking everything was back to normal ... or so I thought. 

XX/XX/XXXX, I received a letter from PennyMac asking me to provide proof of insurance for the time frame when the policy was cancelled or they will buy insurance for approximately {$2000.00} and will take it from my escrow. This is bizarre, I question how can a servicer/lender require a borrower to pay for insurance premiums when there was no forced/lender placed policy to justify the premium. I called a few agency to see if I can buy insurance for a period that's in the past and I was told that's illegal and impossible. Now, how can PennyMac buy coverage for a period in the past?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
Charged online purchase from Macy 's with Macy 's credit card. Received next bill with purchase on it. Returned the purchase before the due date and then made new purchases. On the next bill it showed previous balance {$350.00}, credits of - {$350.00}, new purchases of {$200.00} and a late fee of {$27.00}. When I called, I was first told I was charged a late fee because I did not make a payment. When I questioned the logic, I was given the same answer. When I asked how I owed anything when I returned the first purchase, the representative took the late fee off the bill. This is not the first time that this has happened to me with Macy 's. It happened a couple of years ago to me and I brushed it off. However, how many people are not reviewing their bill and paying a late fee when it is not owed.

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 2018-09-12
Company: Commonwealth Financial Systems, Inc.
State: PA
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 realized there is an account placed for collection on my credit report so I looked into it. The account was from Commonwealth Financial XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX. The account was placed for collection on XX/XX/XXXX. At this time I was only XXXX  years of age, making any medical bills my parent 's responsibility and their insurances. They also did not contact me before putting this on my credit report. I tried calling the number provided from my credit report, as well as the number they have listed on google. On XX/XX/XXXX I reached a voicemail saying the mailbox was full. I called again on XX/XX/XXXX and was put on hold for 25 minutes until being hung up on. I tried calling again and kept getting a voicemail full box. I called again on XX/XX/XXXX and talked to a lady who told me I had to pay it and there was nothing else I could do about it. I have read the reviews on this agency and understand they do this to many people, and that the company is fraud. I do not want this to ruin my credit. I will soon reach out to local police and obtain a lawyer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Nelnet, Inc.
State: OR
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:
There are 90 day delinquencies on my credit report that are erroneous. I set up deferment status with the student loan company and they neglected to follow through with the status update on my file. 3 months later I received my first late notice. I called and inquired as to why I was in delinquent status and was informed that there was no deferral in place on my account. I explained that I had spoken to someone about the deferral previously and was told that I would be granted an administrative forbearance retroactively and have the delinquency taken off my credit record. 

A few years later I checked my credit report to see that the forbearance had never happened as promised and that I still had 4 separate delinquencies stemming from one bundle of loans all originating from the same lender. I believe this in itself is a unfair practice and unnecessarily burdens young XXXX  by damaging their credit excessively. 

I believe the error in reporting is due to an overloaded staff at the agency. I was very clear about the terms of deferment and forbearance on the phone but my account was not updated to reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-29
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: Information belongs to someone else

Complaint:
XXXX XXXX submitted a fraudulent account onto my credit reports. Then when I told them it is fraud they sent a letter apologizing. Then they committed fraud by changing the account number and resubmitting the fraudulent account as mine. I disputed with the bureaus and it was removed. Then XXXX card came back and submitted it again under closed derogatory accounts. This has been a 2-year process and their harassment and law-breaking knows no bounds and they need to be punished.

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 2020-05-27
Company: Experian Information Solutions 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 is missing that should be on the report

Complaint:
XXXX XXXX, a service of XXXX XXXX reported a 67 point decrease in my credit. 
In the report was an amount matching medical services I received months before. 
I made contact with the hospital and I was assured the hospital ( XXXX  ) does not report to credit agencies but the numbers were exact, what was reported and what I owe the hospital. I don't use insurance so they ran self pay and we had an agreement. 

next visit to the credit wise site and the derogatory explanation was gone but the credit score was still 67 points lower. 

Please help me restore my past and correct credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-01
Company: EQUIFAX, INC.
State: AR
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 sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I had a payment due XX/XX/2018. I was not able to make that payment but spoke with a XXXX at the branch location and told her that I could make the payment the following Friday. She was rude, did not care about whether or not I could make that payment the next Friday and told me they will not accepts any form of payments other than the full amount of the loan. They were not willing to work with me at all whether I wanted to pay on it or not. I had no other options given to me. Then I receive a notice in the mail where Ace cash states I took out the full loan that was originally offered to me of {$880.00} and I turned down because I didnt not need to borrow that much. Therefore I only borrowed {$300.00}. But they are claiming my loan was for the {$880.00} and remainder I owe is {$370.00} I believe. This is fraudulent in regards to stating what I borrowed and what I did not! The way I look at this, if they are not willing to accept payments customers wanted to make and leave them with no choice but not to pay it back, then this loan should be non-void.

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 2018-09-12
Company: EQUIFAX, INC.
State: GA
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 contacted XXXX XXXX several times about this matter, XXXX is reporting 30 day late on XX/XX/2017 on my credit report which is affect credit score and I have had this secured card of XXXX and the reason why was I was in hosptial and after I had spoken to a rep and the rep advised me to sign up for automatic draft of the payment every month and I have had the automatic draft of payment for a couple of years now I should have by now been graudated from a secured card to a unsecured card but XXXX had not done that at all.Not happy with the XXXX XXXX company

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14
Company: CITIBANK, N.A.
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I transfer my Money from City Bank on XX/XX/2017 to my account in XXXX i have my voucher, It says the money will be on XX/XX/2017.however it never arrive to my Account in XXXX. i have to pay bills and i really neddd your Help. 
Please could you inform to the encharged People. 
My Id as a XXXX is XXXX XXXX

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 2020-11-13
Company: TRUIST FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My Mortgage for my home was sold to SunTrust who is now servicing my loan. I was mailed instructions for paying the loan which included that I would need to set up an online account. XX/XX/2020 at XXXX I went to Suntrusts website to attempt to do this. I was given an error message saying that my account did not exist. 
I called the phone number provided and spoke with someone who put me on hold, after several minutes the call disconnected. Prior to the call disconnecting, I was told that sometimes that happens with loans in regards to me not being able to set up an online account. 
I then called again and spoke with XXXX. It was now XXXX. XXXX told me sometimes we have technical issues and the phones disconnect. I asked for an address/ email address to mail my complaint to XXXX told me she would not give me that information. Eventually this call also disconnected during a time she told me she put me on hold. 
I called back again and this time XXXX answered at XXXX. I was in the middle of explaining my issue and that phone call also disconnected while I was still explaining my issue. 
I am really at a loss for how I should proceed with paying my mortgage. I am also highly uncomfortable with the level of customer service that I am receiving from SunTrust.

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 2020-07-01
Company: Radius Global Solutions LLC
State: NJ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I discontinued getting teeth cleanings with XXXX XXXX XXXX in 2011 and had full coverage health insurance with XXXX XXXX while going to them. I was told by XXXX XXXX XXXX that nothing is owed and my insurance covered all my work and furthermore they would not do work before receiving payment or processing my insurance, so this claim by Radius Global Solutions is false.. I told this company this and asked for proof. Company has not responded to the requests. I have asked for proof with a validation letter including a copy of proof of ownership, copy of payment history, copy of my original dental contract, and proof of payments with cancelled checks, as well as proof they are allowed to collect debt in my state. I also ask that if all is not provided to please close and remove from my XXXX  credit report before taking legal action for fraud. I have also contacted the credit bureau for an 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 2019-09-06
Company: Experian Information Solutions Inc.
State: CT
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:
XXXX payments contacted me because payments set up for XXXX were not processing on my card. As soon as I was notified of what was happening I paid in full. Ive been working with XXXX XXXX and had no idea this was happening. They said they tried calling me, but Id recently been getting bombarded with telemarketing calls about health insurance so I was ignoring out of state calls. I also just moved which I can also prove, so any mail came to me very late. Please help. This wasnt purposeful and it hurt my score XXXX points. XXXX XXXX XXXX XXXX XXXX

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 2018-09-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
on XX/XX/2018 my information was inaccurately or fraudentley ran by XXXX XXXX which reflected a hard inquiry with Transunion. I've attempted filed multiple disputes by phone and i was constantly told to contact XXXX XXXX. i contacted transuion several times again by phone to dispute the unauthorized inquiry because XXXX XXXX denied my request for a letter of deletion like transunion told me to ask for

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 2018-09-12
Company: EQUIFAX, INC.
State: IL
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 contacted this school several times to validate the remaining debt from this loan with collection agency. i also contacted the debt collector multiple times. my credit reports are reflecting that i paid 100 % of this debt in full, yet i'm being harassed to pay additional money which isnt accurate at all

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: NV
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:
XXXX XXXX has reported a debt of XXXX to the 3 credit bureaus and this is from XX/XX/XXXX XXXX Alabama. I have tried calling them. No success. This is my daughter account who live in Alabama. I have no problem paying g XXXX it was reported under the wrong ss # and need to be removed. All 3 credit bureaus have my Nevada ID and address. From XXXX to present. Please remove.

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 2020-07-04
Company: ID Analytics, Inc.
State: NV
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:
XX/XX/2020 XXXX XXXX uses a fake consumer reporting agency called sagestream llc. They have my credit score as XXXX. I have XXXX with XXXX  h XXXX  XXXX with XXXX  and XXXX with XXXX  this resulted in a much higher than should have been interest rate. Didn't even know this fake credit reporting was legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-12
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I first Contacted this company XX/XX/2018 to validate the debt. i received a letter back dated XX/XX/2018 that this company will obtain the requested documents and if it cant be done in a timely manner they will cease any further collections. as of XX/XX/2018 which has been over 30 business days and the proper validation has yet been received.

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