BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-31
Company: LEXISNEXIS
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX Insurance canceled my policy because Lexus Nexis Risk Solutions, XXXX . XXXX, XXXX XXXX Report reported to them that I was in a At fault accident and received a citation on XXXX. I was not issued an citation for any accident period. My official XXXX and XXXX records do not even state this information. Lexis Nexus and or The XXXX Report are not government agencies but some how have mustard up the authority to have ones insurance canceled do to false information. I contacted XXXX who admits themselves that both my XXXX and XXXX record is clean and show no violations. However, since Lexis Nexus told them I have an at fault ticket they had to cancel my policy or double my rate. As of now I have no car insurance with no tickets or violations listed on my GOVERNMENTAL ISSUED DRIVER REPORT from the XXXX. The governmental agency that is authorized by the government to handle all drivers records. How can a consumer reporting agency not authorized by any government have my insurance canceled and rate doubled and the information is incorrect. Lexis Nexus told me that they had authority over the XXXX and XXXX and there records are never wrong. I will be a seeking legal representation pending the results of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-21
Company: ONLINE Information Services, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XX/XX/2020 I went to the hospital on a XXXX XXXX XXXX they seen me in the XXXX XXXX and looked at my shoulder and referred me to the XXXX XXXX XXXX who took XXXX XXXX and XXXX XXXX and determined i had XXXX XXXX in my left shoulder went to XXXX XXXX for several weeks and then was referred to a XXXX XXXXXXXX who treated me and more therapy was finally released back to work around XXXX to full duty and then in XXXX I received a bill for initial hospital bill told them it was a XXXX XXXX XXXX  and even called the insurance company handling my claim never thought any more about it till i checked my credit report to find this bill

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-19
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Regarding Case number : XXXXI just recently found out that Barclays Bank was withdrawing monies from my account without authorization from XX/XX/XXXX to XX/XX/XXXX. I was a full time student, unemployed, and going through the Home Affordable Act at the time this all happened. According to my bank these payments were taken via ACH and not through personal payments. That is how Barclays is able to show a statement of payment on former complaint file. Also, on the letterhead addressed to me they note an amount of XXXX on original balance yet my limit was XXXX which is stated on XXXX XXXX. Barclays has fraudulently withdrawn monies from my bank account after closing my credit card account and my online account, to which I had no personal access to. Information given to CFPB does not match info on XXXX XXXX or XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Other fee

Complaint:
I have a banana republic credit card ( through synchrony bank ) and they added on a card security fee. After reviewing my statements over the past several months I noticed that I 've been charged a fee for " credit security. '' I do n't recall ever agreeing to this fee.

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 2016-06-01
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My family booked a room for two nights direct with the XXXX website for XXXX Arizona. However, it required joining their Wyndam Rewards club. Did that and it promised to give a XXXX dollar credit if I also applied for the Wydam Rewards Visa card issued by Barclays Bank Delaware. I checked to do that and apply the credit. No such luck. Instant denial with a XXXX credit score at XXXX XXXX ( the one they used ). Booked anyway since was my birthday get away. 

Two weeks and a day later, the credit denial letter came. But, the motel room was not acceptable and we stated at the counter we could not stay in such a horrible room another night and asked to be let out of a reservation for the second night. Manager/owners refused. 

XXXX and XXXX companies are playing the game and will not stand behind their quality policy which is readily available. XXXX was on bathroom door. Sheets dirty and soiled. The worse part was my side of bed had a sheet ironed which became brown and had a XXXX inch or so spot which was as course as sand paper # XXXX. A video shows and allows you to listen to the sound of this spot, ruining the use of the bed for the first night. 
XXXX The video says it all. 

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 2016-08-30
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Over a year ago, I signed up for, paid the annual fee for, and canceled, an XXXX XXXX credit card through Barclays bank. When I canceled it, it had a balance of XXXX, and was assured that by the representative at Barclays when I called to cancel. Then recently, I get an email from Barclays about an XXXX XXXX Red MasterCard that had a balance of about {$210.00}. I never signed up for this card. 

At first I thought that I automatically enrolled in the card because of my previous XXXX XXXX card. But even if that is true, I never activated ( or was sent ) the Red card. And besides, I had canceled and closed that account. This account should never have been active. 

Anyway, I call Barclays last week about this supposed balance, and they told me that there was an annual fee that they charged that card in XXXX, and the other fees in the account where late charges for missing the annual fee payment. 

In other words, Barclays was charging a XXXX annual fee to an account that has been canceled and closed, then charging late fees on top of that. It is also concerning that this card opened up under my name automatically, and that I never had to activate the Red card, and that it opened up automatically in a canceled and closed account. 

I called Barclays and they said they XXXX the account, although, a week later, I am still getting emails that my account is past due, which is part of the reason for this complaint. The second, and main reason I am filing the complaint is because I am quite concerned about the damage this has done to my credit score. I would like Barclays to remedy my credit score for the improper negative balance and late fees.

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 2015-12-18
Company: Russell P Goldman PC
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I am cosigner on my daughters XXXX loan. My daughters loan is in default and XXXX loan has given this loan to debt collector Attorney Russell P Goldman located at XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX, NJ XXXX. This debt collection company put a levy on my bank account and took everything I had without notice. My daughter and I received a letter that XXXX Bank as well as XXXX XXXX XXXX had a levy placed on them. Neither of these banks do I hold an account at. My bank is XXXX XXXX and this bank was not mentioned in any of the received paperwork. Also once before they had placed a levy on my daughters XXXX Bank account and when my daughter wrote a letter to the court to claim her {$1000.00} exemption they lied to the court and said there was no levy yet we supplied the court with a copy of the paperwork where they did. This debt collection company does not work within the guidelines that they are to follow. If they have been dishonest with my daughter and myself then I can imagine they have the same practice with all of the people they are harassing for payments. My daughter has also in writing on numerous occasions asked them to consider payment arrangements as she does not deny the debt, it is that the payments were so high she could not afford them. This debt collection agency has ignored every request that my daughter has made to them in writing about a payment plan. XXXX loan was seeking {$1900.00} per month from my daughter directly out of college. My daughter was granted XXXX forbearance and then denied consolidation as well as refinancing as they said she did not make enough money to do these things. We still do n't understand this logic as consolidating would have made her payments less and would enable her to keep on track. XXXX loan essentially dismissed my daughter as she was not making full payments but she was paying whatever she could and XXXX loan defaulted her even though she was attempting to make any kind of payment to them. In closing I would like to also add that XXXX of the loans that was less than {$90000.00} has now somehow since XXXX blossomed into {$210000.00} while at this debt collecting agency. Is n't this Usury?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: SYNCHRONY FINANCIAL
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I think Synchrony Bank are greedy leeches. After I told them that my account was compromised., They still closed my account of many years. Now I will not apply for any Synchrony Bank stores.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Other

Complaint:
I have had an account for several years with XXXX, now Synchrony Bank. They are reporting to XXXX Credit Bureau XXXX Inquiries as 'regular inquiries ' rather than " account review ' inquiries. This is lowering my credit score. I have contacted XXXX and they tell me that I have to go to the company to have them removed. When I wrote to Synchrony Bank, I received no response. There is no reason for 'regular ' inquiries at all, muchless 'regular ' inquiries AND account review inquiries. They need to be removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I do not have owe a gas bill. have not had one in my name for over 20 years. and received a dept collection notice with a reduced balance from convergent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Optimum Outcomes, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have XXXX XXXX going back to XX/XX/XXXX. I went to XXXX XXXX XXXX in XXXX Texas to the XXXX room. I had my XXXX removed. I have told them to code the bill properly to the hospitals and the XXXX different collection agencies. I 'm not paying out of pocket for the rest of the treatments. I have insurance. Optmium Outcomes has repeatedly called me on my phone and ignored the stop all contact letter sent on XXXX XXXX, XX/XX/XXXX certified mail # XXXX. XXXX the bill correctly or XXXX. My insurance premiums are taken out of my check every month. This has been ongoing for 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Convergent Resources, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
My account has been passed from one collection agency to another. The lastest one is XXXX XXXX XXXX. They are hard to reach and XXXX gave me a hard time and the run around. He also refused to let me speak to a manager or supervisor. He also blocked my phone number so I could n't call back. 

I originally called to negotiable a lump sum settlement for {$700.00}. I received a letter from However, I could n't complete the transaction because of XXXX 's behavior. 

I was able to speak to a female account representative who was willing to accept my offer. Unfortunately, when I called back to give her my fax number, I got XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Convergent Resources, Inc.
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent Outsourcing , Inc . 
XXXX XXXX XXXX XXXX XXXX, WA XXXX XXXX This debt collection company called my landline. The caller id displayed PRIVATE NUMBER XXXX. The voice mail they left was a robo-call identifying them as Convergent Outsourcing and that they were attempting to collect a debt. I do n't know what debt. When I XXXX the phone number on caller id, I discovered it was for XXXX in XXXX, Oregon. XXXX I also XXXX the collection agency and they are located in the State of Washington with no offices in XXXX, Oregon. They obviously spoofed a different business ' number in an effort to trick me into answering the phone. I am of the understanding that this practice is against Federal law, so I want to file a complaint. I will be mailing a Cease & Desist letter tomorrow but I still want to complain about the spoofing. I am retaining a copy of the letter and I am saving the caller id information and voice mail to prove my side of this story.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: JPMORGAN CHASE & CO.
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
XX/XX/XXXX I applied for a Mortgage Modification Loan with Chase Bank to save my home from foreclosure. The week of XX/XX/XXXX I received documentation that my modification had been approved for a trial modification from XX/XX/XXXX-XX/XX/XXXX and then the final modification would be mailed to me before XX/XX/XXXX. On XX/XX/XXXX the Chase Representative called me and explained the terms of the modification. I signed the agreement and faxed, and mailed the originals back to Chase via XXXX. XX/XX/XXXX I received a call from XXXX. VP for Chase advising me that the agreement was void due to an error made by the underwriting department. I asked XXXX since I had signed the agreement and it was a legal binding agreement could this be done, she advised that it was an error to approve the modification because my mailing address is not the same as my physical address and it should not have been approved. I advised that i would get legal advise and she advised that was my choice but can be time consuming vs reapplying after changing my mailing address and mailing address on my tax returns. After obtaining legal advise It has been confirmed that this is illegal and considered " predatory lending ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Deposited check on XX/XX/XXXX and 10 days later, check was n't cleared. Called bank to inquire as a " fraud hold '' was noted on my account and I was told very nicely that the funds would be credited to my account. The representative could did not however, adequately explain why the clearing process was excessively long. Upon checking my bank account online, I noticed that a " pending hold '' memo was on my account. I 'm not sure if this means the funds were provisionally cleared or actually cleared. My complaint is that the time duration of the check clearing process in the modern era is excessive and should be modernized via existing technology.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: JPMORGAN CHASE & CO.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We financed our home in XXXX with XXXX XXXX and they sold it to JP Morgan Mortgage XXXX ( please note that this company is separate from JP Morgan/Chase ) sometime around XXXX. JP Morgan Mortgage XXXX initially used XXXX servicing to service the loan and has now switched to XXXX XXXX XXXX after just two months. We were given less than one weeks notice regarding this change. I called the JP Morgan Mortgage XXXX number provided to me by XXXX, but there is no option to speak to anyone. I left a message to call me but they have not ( it 's been about a week ). I have also called the company from a number I 'd found on the internet and the gentleman I spoke to stated that he could n't tell me if the company owned our mortgage or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: M&T BANK CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sold a property in XXXX NY mortgaged by M & T Bank. The proceeds did not pay off the loan, {$4100.00} short although this was not a short sale, the sale closed XXXX. I tried negotiating with the bank to re-fi the amount owed, they would not help. I was able to pay them off in XX/XX/XXXX by then the amount was {$8200.00}. I was charged for {$3000.00} for property insurance and county and city taxes although I did not own the property, the new owner was on title. The taxes were paid for the new owner, double paid. I had to pay the entire amount as the property was already taken to foreclosure and the new owner would have filed a law suit against me, my attorney and real estate agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
I would never bank with chase and I advise anyone else to do the same I had a dispute with XXXX the lady at chase told me what I could dispute and what I could n't so I did what she said so a month latter there is XXXX dollars taken out of my account I go to chase to find out the problem they called the department that handles fraud the guy said the dates I disputed was not in the time allowed but the chase persons told me what dates I could dispute then he told me they took XXXX dollars out of my account and gave it to XXXX the said they send me an e-mail did n't get it they said they sent me letter did n't get it is asked did u call me he said no then he said u have to go to XXXX to get your money back its XXXX XXXX XXXX go 's a long way for my daughter but chase did n't care so I closed my account if anybody is thinking of banking with chase do n't do it they do n't care about the person just the account there business practices and customer service is horrible I ca n't stress enough if u want to have a trusting relationship with the people u I trust your money to and when they make a mistake with your money they try to help solve the problem not you have to go to the people we gave it to to get your money back Do Not bank At Chase My wife banks at XXXX XXXX XXXX she has never had a problem like this I will tell anybody who will listen if u want a bank to trust with your business DO NOT BANK AT CHASE

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: HEARTLAND PAYMENT SYSTEMS INC
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I had a student loan account with XXXX University that I applied for a cancellation under the Federal Perkins ( XXXX ) Student Loan. I completed the request for cancellation benefit or deferment prior to cancellation. In addition, I submitted the necessary forms to verify my then and current employment status teaching in an low income environment. I also, had my job verify my employment as requested. 
My loans was recently sold to Heartland ECSI, who stated that I need to start the process over with them, And that they will only issue a cancellation in the amount of! 5 %! 

I feel this is illegal! The terms of the original loan company should be honor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I received an e-mail on Friday, XXXX XXXX, 2016, telling me the following : " Your card information may have been stolen due to a data breach at a business where you recently shopped. As a precaution to help protect you against fraud, we 're reissuing your card with a new account number. There 's no need to call us unless you see transactions you do n't recognize. '' I called the company, Capital One, today, Monday, XXXX XXXX, 2016 at XXXX to ask what company had the data breach and what personal information was stolen. 
After speaking to a service rep and getting no where, I asked to speak to an account manager and was told that the company could not provide me with that information. 
I told the manager, XXXX, that I am entitled to that information. He again said they could not provide me with the information. 
I find this difficult to believe and would like you to investigate this nonsense and have someone provide me with the information I requested from Capital One. 
I want to know which company had the data breach so I do not shop there again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: Neighborhood Housing Services of Toledo, Inc.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I first filed a complaint on or about XXXX/XXXX/16 about XXXX, and their deputy director XXXX XXXX, but I never heard back from you about this matter. Since that time I have learned that he has instructed everyone at XXXX not to speak to me or even answer my e-mails. 

He is doing everything possible to make it difficult for me to use their home improvement loan in order to get anything done.

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