BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-07-22
Company: GreenSky, LLC
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In XXXX of XXXX, I took a XXXX dollar 84 month installment loan from home depot through XXXX XXXX XXXX. I used XXXX dollars of the XXXX loan to make purchases at home depot. After making the purchase I received a coupon book with 84 payment coupons for a payment of XXXX dollars equal per month payment with my final payment is XX/XX/XXXX. Some months I made more than the XXXX dollars in an attempt to pay off the loan early and have paid off a substantial amount. To date, I have XXXX dollars remaining on the outstanding loan with on 30 of the 84 payment coupons remaining. XXXX XXXX has reported to the 3 credit reporting bureaus negative information on this account stating that it was past due when In fact I am actually ahead on my payments. I would like your assistance in having these negative items associated with this account and companies removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I cant gain access to my credit report online and o cant reach anyone over the phone to assist.

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 2019-07-22
Company: CMG MORTGAGE, INC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To whom it may concen, I am sending you this email because of a recent bad experience we had with one of your lenders XXXX XXXX. XXXX originally reached out to my husband and I late XXXX stating that if we hurry we can refinance our mortgage to lower interest rate to lower our monthly payments. Of coure we agreed to refinance. We sent a cashier 's check for {$150.00} overnight to FHA. XXXX stated that we needed this by XX/XX/2019 because we have 2 subordinate loans. He then advised us that we could get a refinance without an appraisal and our monthly mortgage payments would be {$1400.00} per month. He also stated that if we wanted to borrow on our equity that we would need an appraisal. He stated either way that we wouldn't pay our mortgage for XXXX and XXXX. I have a text message confiming that. My husband and I talked about it and decided to borrow on the equity. We understood that our monthly payments would be {$1800.00} per month. We signed paperwork needed to get this started. On XX/XX/2019 I got an email from XXXX XXXX requesting a credit card so she could schedule an appraisal. That evening I gave her my credit card information and was charged {$500.00}. Our home was appraised for {$300000.00} which is much more than the XXXX we paid for or home 2 years ago. XXXX then had a conversation with us staing that we could borrow {$23000.00} to pay off all of our bills we agreed to that and were waiting for XXXX to send us paperwok to sign. We didn't hear anything from back from him. From XX/XX/2019 thru XX/XX/2019 we reached out to him several times with no response. On XX/XX/2019 he finally responded saying that he misspoke and that his numbers were off so we couldn't get any cash back. He recommended that we stay with the first loan. Now were out the {$500.00} appraisal fee. We agreed to stick with the first loan and decided at that point never to do business with him after this. He sent us the final paperwork on XX/XX/2019 at XXXX XXXX. Both my husband and I were still at work so we didi n't open the email until XXXX. We docusigned the paperwork. Then on Saturday XX/XX/2019 my husband got a text from XXXX telling us that " we missed the deadline and if we hadn't payed our mortgage for XXXX please do so now ''. My husband told him that after this we wouldn't be doing business with in the future. XXXX got mad and cancelled the refinance. Now not only are we out {$500.00}, we are late on our mortgage too! We trusted XXXX XXXX and he XXXX us. We paid bills with the XXXX mortgage payment because we trusted his word. Now we are in a financial bind because of his incompetence. We are having to use high interest credit cards and borrow money from family just to make up for his lack of professionalism.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-03
Company: AMERICAN EXPRESS COMPANY
State: VT
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 complaint is being filed regarding a {$170.00} charge from XXXX, originally {$270.00} - but I received a refund from XXXX in XX/XX/2018, so the total amount still being disputed {$170.00}. I have disputed this charge four times with American Express due to the fact my sister and I were kicked out of our hotel room at the XXXX XXXX on XX/XX/18 at XXXX after I had a XXXX XXXX. We did not cancel the reservation, we were kicked out of the hotel by their staff. 

I have explained verbally via phone and provided detailed documentation ( including a XXXX and Texas Attorney General complaints ) of exactly what occurred at the hotel that evening to American Express four separate times in filing disputes. To respond to my dispute, XXXX has provided the cancellation/non-refund policy of the hotel, and stated lies that include I assaulted a security person with my room key - which I did not. See XXXX   pdf for messages from American Express as a result of the 2nd and 3rd disputes and pdf 's ending in -XXXX and -XXXX ; these pdfs being the same document that was sent to me as part of the response for the 2nd and 3rd disputer. It is very frustrating to me that the 3rd disputer was closed after I went into a very great detail when filing my 3rd dispute and was told by the American Express customer service agent that the response from the company should not have been accepted as this was not a cancellation attempt by me the customer so the cancellation policy has nothing to do with the dispute. 

My complaint today is that American Express is not protecting me - the customer - against XXXX non-responsive responses to the disputes filed. I fully understand the no cancellation/refund policy of XXXX/the hotel. However, I did not cancel the reservation - the hotel kicked us out in the middle of the night. American Express is accepting the same irrelevant and nonsense response regarding cancellation policies from XXXX each time as an answer to the dispute I filed, but their response is not responsive to the reason for the complaint. I have called and talked to American Express customer service when filing these disputes and have been told that the response from the hotel is not responsive and a new dispute will be filed, twice now. I'm worried that this 4th dispute, filed today, is going to result in the same non-sense, non-responsive response from XXXX and American Express is going to accept that response again and close my dispute, leaving me on the hook to pay {$170.00} for a hotel I was erroneously and illegally kicked out of.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-10
Company: National Credit Adjusters, LLC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was contacted by XXXX XXXX with the Department of Investigations and she told me that a debt I thought I had paid off in 2013 had n't been paid off and that if I did n't pay {$440.00} today, she would have me arrested today and prosecuted for theft by deception. Scared, I called a lawyer friend and she told me to bring all information to her. On the way, they called and left a voicemail and I called back. I recorded the conversation, this time with a XXXX XXXX, so I did n't forget anything. I played these for my lawyer friend and she said that she thought it was a debt collector pretending to be law enforcement and that they could n't do that. She called and asked to speak XXXX XXXX, and to her supervisor when she was told that XXXX was out in the field. She was transferred to a woman named XXXX and then to XXXX XXXX. She told XXXX XXXX that the threats violated the Unfair Debt Collections Practices Act and then XXXX started yelling that she was n't a real lawyer and hung up. She called back and spoke with XXXX XXXX, who told her that she would have to fax a letter of representation to ( XXXX ) XXXX, but when she started asking XXXX  the name of the company, their address and the state in which they were incorporated, XXXX hung up on her. Unfortunately, when they first called me, I was so scared that I gave them the names and numbers of 2 references and the name and number of my employer. Now I 'm afraid they will contact them. Please follow up as I understand these practices violate the law and may even be a crime. XXXX  did say before she hung up that the company 's name was XXXX XXXX XXXX and that they were a corporation located in XXXX, Ohio.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-13
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My problem is with Navient. I feel their goal is to keep you in debt forever. They are now in a class action suit, which I only found out about because they stopped sending me statements XX/XX/XXXX and I had called to find out why. I was told it was because of bankruptcy. I am a cosigner on this account with my son so I said I hadn't filed bankruptcy, so it must be my son. They said yes. This was very upsetting to me so I called my son & no he hadn't filed. After a few more calls to Navient, I found out they had a class action suit against them. Also, even though I was not getting a bill I am still being charged interest. 

My statements that I had been receiving state that currant amount due is XXXX. Past amount due is XXXX. Unpaid fees XXXX total payment due XXXX. And on this statement due XX/XX/XXXX the interest is {$35.00} yet on my payment history is was charged {$56.00}. 
Another complaint is that I had a name change in XX/XX/XXXX which I verified with Navient by a copy of my marriage certificate. My name was changed but of XX/XX/XXXX they changed it back to my previous name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-22
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: Information belongs to someone else

Complaint:
I AM A VICTIM IDENTIFICATION THEFT. I HAVE FILED A FTC REPORT AS WELL AS WITH OTHER LAW ENFORCEMENT AGENCIES TO REMOVE THIS INFORMATION PURSUANT TO THE FCRA 1681- C2

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/XXXX, I processed a check online chase.com for {$1200.00} to XXXX XXXX for my aunt 's board and care. On XX/XX/XXXX, I found out that, not only had n't she been there in 3 months, but now it appears she 'll never be returning. I went to online payment activity, but it was too late to cancel the payment [ they send a paper check through the mail ; it usually arrives within 7 days of the date processed ]. So on XX/XX/XXXX, I placed a Stop Payment order. They promptly charged me {$25.00}, which is high but I figured it was better than losing the entire {$1200.00}. Imagine my surprised when they did n't credit my account for the payment in question. But what really angered me was their response to my inquiry : Payee name : XXXX XXXX Payment amount : {$1200.00} Send On date : XX/XX/XXXX Check number : XXXX Date check presented for payment : XX/XX/XXXX We 'd like to clarify that the stop payment placed online is for physical checks only that you issued that 's why the payment was processed. 

Unfortunately, we ca n't reverse this payment or place a stop payment because the payee already processed it. 
Please contact the payee to request a refund or adjustment. 

You can get proof of payment that provides details about any online payment sent by our Online Bill Pay service. If we sent a paper check for the payment, the proof of payment will include a copy of the front and back of the check. 

Here 's how to view proof of payments online using chase.com : 1. Choose " Pay & transfer '' along the top of the page, then " Pay bills. '' - You can also open the side menu, the three horizontal lines in the top-left corner, and select " Pay & transfer, '' then " Pay bills. '' 2. Choose "  Payment activity '' from the menu. 

3. Find the payment you want to see and then choose " See details. '' 4. Choose " Proof of Payment '' to view and print the proof of payment document. 

You ca n't view your proof of payment from the Chase Mobile ( R ) app ( 1 ). 

We value our relationship with you and thank you for choosing Chase. Please contact us anytime you need assistance. 

Help!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
I opened a student loan in XXXX 2010 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$16000.00}????

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 2019-07-22
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
On XX/XX/19 I tried to set up a credit report freeze with Experian through their website. After providing personal information they had several security questions to answer and based on each question I answered them. When I submitted the answers it locked me out and I could not proceed to freeze my credit report. 
I attempted to call their phone number for Contact Us and after trying no less that 15 times each after entering automated options the call would end with a thank you and I could not speak with a real person in customer assistance. 
I tried every number listed just to try and speak with someone to unlock my access so that I could create an account to freeze and unfreeze my account as needed. 
They seem to make it EXTREMELY DIFFICULT to contact them which is unacceptable.

I even tried to set up a free account and it it only gave me an option for a paid account. 
This is unacceptable and your agency should be aware and investigate because I am sure that there are a lot of other consumers that are facing the same issue.

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 2019-07-22
Company: EQUIFAX, INC.
State: NM
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Neither you nor the FTC make it possible to merely make an informative contact, so I have to use your complaint process. However, actually, it is a complaint ... about both CFPB and FTC. 

Data breaches are a routine fact of life. The news this morning about the Equifax settlement has motivated me to inquire about something that has baffled me for years. 

I am a victim of data theft. The major ones are Equifax and the OPM data breach. However, I also have been affected by a few other less spectacular failures of companies to secure their data. 

To be clear, I have not had any direct negative impacts ( though my PII obviously is out there to be misused ). I have availed myself of the credit monitoring services provided after each event, and I long have had my credit reports frozen/locked. Plus, my accounts all have 50 character, randomly-generated passwords, and I use multi-factor authentication on several. 

Now, to the crux of the issue, and my complaint. 

In all these failures of security and due care, the onus always is upon the consumer to react, with or without free credit monitoring. 

WHY IS THIS? Why must consumers always take the initial corrective action when it's the companies and credit reporting bureaus which need correct their shoddy standards and practices? 

There is no rational explanation for such a model of operation. And, the solution ( or at least a large part of the solution ) is so stone simple it defies logic that no action has been taken. 

To that end, why are not the credit reporting agencies required to lock/freeze ALL accounts as the DEFAULT mode of operation? 

The minor effort/inconvenience to temporarily unlock a credit report pales in comparison to the effort needed to respond to and recover from identity theft. 

Again, why are these agencies not required to secure their data in such a manner? Doing so would prevent illegal use after data breaches occur in careless companies, and significantly reduce the utility of stolen PII, not to mention lessening the expense, harm and aggravation for consumers-at-large. 

Therefore, what exactly must be done to make this change ( and make it immediately )?

Can CFPB and/or FTC order such an action? 

If not, why not? 

Alternatively, do we need Congressional action to implement such a logical process? If so, will CFPB and/or FTC initiate contacts to propose such legislation? 

If not, why not? 

Data breaches have become the digital equivalent of the " broken window '' syndrome. The actions of governmental agencies and commercial entities demonstrably are insufficient to dissuade such behavior from occurring and increasing. 

It's time to do something different and bolder and, at the risk of repetition, the default locking of all credit histories is a simple and easily implemented first step. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
The events happened on XX/XX/XXXX and XX/XX/XXXX. At that time I had four separate. accounts with the XXXX XXXX XXXX Branch of SunTrust Bank. Sometime on or before! XX/XX/XXXX at  least three of my accounts were accessed and plundered by an outside entity, and money was moved between those accounts in the amount of {$2000.00} to help perpetrate a Scam. When I contacted SunTrust Fraud Department they promised to look into the matter and report back. My main contatct at Suntrust was XXXX XXXX XXXX, Senior Fraud Investigator. XXXX XXXX spoke with me personally, but subsequent attempts to speak with him were blocked by his staff. I waited patiently for some resolution until XX/XX/XXXX when I wrote to XXXX XXXX complaining of lack of progress or contact. Soon after that I was contacted by one of his staff who said that the Bank could accept no responsibility for not protecting my accounts and blamed the incident on the earlier XXXX hack.!! 
I find that response to be totally unacceptable, and surprisingly irresponsible for an institution based upon the premise of safe keeping of its ' clients money. I also find that the only contact I had with the the bank on this unfortunate matter was entirely verbal with not even an e-mail from the Bank. 
To me the issue is quite clear - the Bank failed in their frequently pledged basic task of keeping my money safe. My accounts were plundered, irrespective to what happened to the money, and as such they should be held responsible, and repay me the funds that were lost as a result of unlawful access to my accounts by an outside party.

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 2018-01-14
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
I opened a student loan in XXXX 2012 for about {$2600.00} and I have never received a bill and now they are stating I have been failing to pay this is not accurate I have never received any bill payment notification regarding me paying any loans for school the last time I checked they where not do was not notified and so there still should have been some type of bill sent to me regarding the loan amount, and or what I was to pay instead they just started reporting derogatory marks on my credit report and I have made several attempts to be heard, and I have not found any help. Not to mention how did {$2600.00} go to {$8100.00}????

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