BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/XXXX my bill did not go through account with 1 missed payment. I am kindly requesting BANK OF AMERICA ( Opened XX/XX/XXXX ) to remove this missed payment from my credit reports as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and 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 2018-05-10
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On approximately XX/XX/XXXX I contacted American Express regarding how I can reduce the high interest rate American Express is charging on my credit card or how I can enter American Express 's debt settlement program. I was told by a XXXX XXXX XXXX that American Express has a debt settlement program that was available for a monthly charge of $ XXXX/month at 7 % /year for 5 years. When I followed up with American Express in early XX/XX/XXXX I was sent to 4 different extensions without ever receiving an answer regarding American Express 's debt management program. I was, also, told American Express could not locate XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
( 103 true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from report Transunion File Number : XXXX XXXX  Report Number : XXXX XXXX Report Confirmation Number XXXX ACCOUNT NAME : XXXX  XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX ACCOUNT NAME : XXXX XXXX XXXX ACCOUNT NUMBER : XXXX DATE OPEN : XX/XX/XXXX I recently found i was involved in the XXXX Breach of XXXX i was very scared about the news i was eligible to file a clam for what was lost but the process was very long, time consuming and complicated being that i dont have a history in credit or finance i was referred to an attorney who specializes in predatory loans and breach victim compensation after carefully reviewing all 3 of my credit files Ive noticed I have these accounts called and disputed with XXXX XXXX & TransUnion and this problem never got solve now i'm reaching out to you guys for help!! these fraudulent debt is hindering my ability to apply for credit or even get a first time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

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 2019-09-20
Company: Lending Club Corp
State: NJ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Please see email chain- on XX/XX/XXXX they were instructed not to debit a payment until XX/XX/XXXX and still did on XX/XX/XXXX. I have 2 accounts with them and requested this on both loans to wait until XX/XX/XXXX. When I speak to them they tell me there is no email from XX/XX/XXXX which you can see is clearly date and time stamped for XX/XX/XXXX at XXXX EST and they are Pacific time so only XXXX there. I also have sent an email every day now since XX/XX/XXXX which no one replies to and I asked for the supervisor I spoke to to call me back and have been waiting 2 days for that now. They have left me and my family with no money and have been charged hundreds in OD fees now. They refuse to reverse the payments. I also have a dispute in with my bank too. I need {$510.00} for this loan and {$540.00} for the other loan refunded ASAP along with fees I have been charged. Thank you. 


-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Thu, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Still no response for over a week now to 3 emails all included in this chain. One on XX/XX/XXXX, one on XX/XX/XXXX, and one on XX/XX/XXXX. I also received no assistance from 2 supervisors I spoke to : XXXX XXXX and then XXXX ( do not have last name ). Both are basically calling me a liar that I did not request to stop this payment for {$510.00} on account # XXXX and another one for {$540.00} on account # XXXX. Both were still debited from my account and you need to reverse the payments today. I guess you leave me no choice but to seek legal advice for not honoring a consumers request if you do not reverse the payments today. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Mon, XX/XX/XXXX at XXXX XXXX Subject : Fwd : Loan # XXXX To : <XXXX> Why did a payment come out of my account today when I set them up per the below? This caused my account to be overdrawn and will need the payment refunded ASAP- immediately as in the next day. There should be no payment coming out on the XXXX either. The next one should be scheduled for XX/XX/XXXX. Please advise when payment will be refunded. 

Thank you. 

-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX <XXXX> Date : Wed, XX/XX/XXXX at XXXX XXXX  Subject : Loan # XXXX To : <XXXX> Hi, Please set my upcoming payments as follows : XXXX payment of {$510.00} to process on XX/XX/XXXX XXXX payment of {$510.00} to process on XX/XX/XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-19
Company: AMERICAN EXPRESS COMPANY
State: MO
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:
I disputed the transaction with XXXX and clearly explained that I purchased shoes but received an empty box. It was done more than three month ago. I was issued provisional credit which later was charged back to my account. I opened a new claim and still wasn't provided my funds back. I was supposed to get update on XX/XX/XXXX after I didn't get it I called Bank and was promised that somebody would contact me. Still nobody contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had already paid my debt owed of {$180.00} to my credit to a while and XXXX XXXX XXXX XXXX XXXX took over the account as a collection and send me a letter demanding payment that 's I paid again to the collection agency not realize that I had already paid my credit or there for the amount that I paid the collection agency which is {$170.00} is owed back to me because the balance was XXXX therefore I am requesting a refund of {$170.00} from XXXX XXXX XXXX XXXX XXXX The collection agencies account number is XXXX and the Creditor is wow the last 4 of my social security number is XXXX for some reason this phone will not allow me to enter this information the proper fields

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I have sent numerous letters to the credit bureaus regarding their inaccurate reporting of items on my credit report that should be deleted. Has they have not been properly validated and investigated on the part of the agencies. The credit bureaus continue to neglect that duties to provide fair and accurate 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 explanation
Consumer complaint received 2019-09-20
Company: Lending Club Corp
State: GA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
Previously this year in XXXX I called in and told them that I was no longer working. We then mutually agreed that utilizing my grace period was the best solution. I called into Lending Club on XX/XX/20 to express my proactive concern about future payments. I told the initial representative that I am still not working and I need additional assistance. I was then transferred to a payment specialist. The specialist preceded to tell me that I either pay or face negative credit reporting. She then broke down the timeline of non payment, after 30 days it reports negative, after 90 days its outsourced, and finally after 120 days its charged off. So I asked are you saying either I pay or face the consequences. She said " Yes ''. 

So I felt a little bullied, and felt she had a lack of empathy especially after I have proven great pay history.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: JPMORGAN CHASE & CO.
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XX/XX/XXXX, I initiated an email to XXXX XXXX XXXX XXXX explaining that because of my XXXX XXXX XX/XX/XXXX, my income has decreased to the point of being unable to make the payments. I inquired about the possibility of rewriting the loan to lower the payment. I was elated to receive a call back from the company 's executive offices. The representative opened a case and began to research the various options. They concluded that although they were unable rewrite the existing loan, they proposed to allow the loan to charge off and subsequently draw up a new agreement with lower monthly payments. I was told that the executive office has the authority to act on behalf of the CEO, XXXX XXXX. I agreed to proceed with this plan. 
A few days later, the representative from the executive offices called me to explain that the file was being given to another individual in the Collections Escalation Dept. When I talked to this gentleman, he explained to me that the account was now in a " holding queue '' and would eventually be sent to another department. He assured me that he understood the plan to restructure the monthly payments after the account charges off. He advised me that if I made any payments to the account, it would prolong the charge off process. Therefore, it 's best not to make payments. 
Well, this gentleman never informed me when the account was turned over to the next department. The company never informed me when the account charged off, and when it was ready to execute the new agreement. On XX/XX/XXXX, we walked outside to find the car missing from the driveway. The company repossessed the car without a new agreement. I tried to reach the gentleman from the Collections Escalation Dept, but he has not made contact with me.

I sent a new email to the executive offices and they reopened my case but concluded that there is nothing that can be done. They are not honoring the agreement to restructure the monthly payments. I did n't respond to any system generated notices because I was led to believe my account was given special handling by the executive office.

Caution : I did n't have anything in writing. I trusted that my account was being handled at the highest level. Fortunately, the company recorded all of my conversations, but I do n't know how to gain access to these recordings.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-25
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Synchrony bank keeps relentlessly sending me emails about a Walmart card I did not create or use to buy anything from like 2 years ago. Wo n't leave me alone or anything when I tell them I made no such card or purchases. They charged interest on a XXXX dollar overdue amount from 2015 it says and now they want me to pay XXXX dollars for things I did n't even buy!!!

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 2019-05-01
Company: Mr. Cooper Group Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This mortgage servicer has been sued in Massachusetts for bad practices they employ to discourage borrowers from pursuing a loan modifications. They string you as long as they can. Fabricate need for paperwork or find flaws even on the date you put on the documents they request from you. " Oh you dated the document XX/XX/XXXX, but XXXX has 31 days, so it should have been XX/XX/XXXX ''. Use that excuse to restart the whole process from the beginning and then blame you and say that it is your fault the modification is not complete because you did not submit proper paperwork. Once you correct that and submit, they take about 2 weeks to let you know they have to restart the process again because there is yet another paper they need. Mind you, they  never said before they needed this paper to begin with. They just keep fabricating and fabricating ... Attorney General of Ma, made them pay fines to all homeowners they had conned. But they have still not learned anything from that and continue with the same deceiving practices. You should see the long list of complaints against them sitting with the Attorney General. Mine is one of  them. 

I am now going through a financial hardship due to losing my job. I know I will see better times and when I do, I will do my best to get rid of this unscrupulous disgusting parasites that call themselves a mortgage servicing company. It would not surprised me if all those positive reviews were fake. I expect nothing less from this company. 

They kept rejecting my application every two weeks and would tell me you had all you need it and then would wait three weeks to say they didn't have what you needed. They had been doing this to me since XXXX, when I first notified you that I had lost my job and was going through a financial hardship. They will say the application is complete and is sitting with the underwriting department, then would wait to weeks to come back to me and tell me they needed more paperwork. They did this until I was 3 months behind. 

Then last Thursday, frustrated I went to their XXXX page to express my frustration with you and let everyone know how crooked they are. It's my right. But this is when you blocked me from your XXXX page, and reported me to the credit bureau the very next day. After three months. All of the sudden, they were not happy about my comments and buhuhu reported me to the credit bureau. Then two days ago, when I decide to send a mass email and include the attorney general 's office. So now after three long months of me waiting, frustrated with your scams and games, they told me that they have denied my application for a modification. It took you three months???

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: AL
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 sent the burea a letter stating that my information is incorrect and that I had fraudulent activities and someone been putting bills in my name its been over 45 days since I sent the letter.

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 2021-08-05
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
BBVA won't allow me to close my checking account. Their interface won't allow me to transfer the remaining funds, and I can not transfer these funds via ATM, as I can't extract the exact cent amount from an ATM. They said they would send me a check in three weeks, which was now 2.5 months ago. And upon contacting them again, they just send the same canned messages. I really need to close this account and clean up my credit. Their support has been really horrible, as I've been unable previously to reach any support person by phone despite hours of wait. I never wanted to be part of this bank, as Simple ( my previous bank ) was purchased by them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-20
Company: Experian Information Solutions Inc.
State: PA
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 was called by certain XXXX XXXX who said she is from social security informing me that my social security # is being used for money laundering & drug trafficking. She told me that I have a warrant of arrest & a case & ask me to confirm for my social security #, name & address & I gave it to her. She said someone will call me to help me. She gave the case # XXXX & the warrant # XXXX. There was a call after but nobody was answering. So I called the # she used to call me someone answered but then the phone went off.I tried calling the # but it is said it is out of service. I tried getting my credit report but I couldn't get it. So I knew this is identity theft. The even hacked my phone.

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 2021-06-03
Company: Santander Consumer USA Holdings Inc.
State: LA
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:
Need to take this off of my credit report they are saying it was late when it wasnt I was already finish paying for the vehicle XXXX. 
Chrysler Capital has the payments being late during a pandemic which was suppose to be at a stop payment until 2021 which was this year in XXXX all payments were made on time please remove from my credit report. 
can the creditors XXXX XXXX and the othrer one put my credit score on all the same Its suppose to be a XXXX on all credit and XXXX XXXX has it at a XXXX still incorrect information on my credit report for XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-03
Company: TrueAccord Corp.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was on a payment plan with TrueAccord. Making monthly payments on time from XX/XX/2020 to XX/XX/2020, My final payment was to be in XX/XX/XXXX. 
On XX/XX/XXXX I received an email stating Please be aware that there was an error in processing payments that resulted in a payment being charged multiple times. they charged me the {$66.00} four times on top of the XXXX owed. 
XX/XX/XXXX they sent an email We had a system glitch that resulted in the payment plan for your XXXX XXXX XXXX account being mistakenly cancelled. Due to the error, you will need to set up a new payment plan for the remainder of your {$210.00} balance. 
By the time I contacted them they had passed the debt onto another collections agency. ( XXXX XXXX XXXX XXXX ) And said there was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Today I received in the U.S. mail my earlier requested " Equifax '' credit report to check for any " errors '' in it since " Equifax '' mass data breech of XXXX of 2017 in which over 143 million Americans had all their personal data hacked/leaked due to " Equifax '' well known sloppy  security procedures. 
And sure enough someone from the " XXXX XXXX, Minnesota '' has somehow falsely entered their address of " XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, Minnesota ; XXXX '' is unlawfully listed as one of my " Previous Addresses '' on " Page 5 of 44 '' as well as on " Page 44 of 44. '' I am the " Victim of Identity Theft. '' I have never even visited the State of Minnesota.

I work for the XXXX XXXX XXXX for the last 30 years and thus I have to live with the XXXX XXXX XXXX in order to continue my employment with the XXXX XXXX XXXX. 
This is NOT the first time this same " XXXX XXXX, Minnesota '' false address has been put into my " Equifax '' credit report. 
It first appeared about 16 months ago on my " Equifax '' credit report. And because of my due diligence I caught the sloppy security of " Equifax '' and filed a " Dispute '' complaint to " Equifax '' and " Equifax '' deleted the unlawful " XXXX XXXX, Minnesota '' address OFF my " Equifax '' credit report. 
Yet nearly 16 months later that same fraud " XXXX XXXX, Minnesota '' has once again appeared in ONLY my " Equifax '' credit report. This " XXXX XXXX, Minnesota '' has NEVER appeared on my " XXXX XXXX '' or my " XXXX '' credit reports. Never!!! It has ONLY shown up on my " Equifax '' credit report because of " Equifax '' sloppy computer security.

Company response to consumer: Closed with explanation