BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-15
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian states that the information remains. The account associated with XXXX XXXX XXXX, should have been removed for various reasons. Account was paid off in full back in 2013 so that I could establish new service with XXXX, which I still currently have, in addition to the fact that the account report is now at four years old being reported inaccurately. I have disputed this and at least one other thing with Experian previously and they never seem willing to correct anything on your report, and would rather leave the negative information. They even had the information shown as part of my recently discharged Bankruptcy which was also incorrect. Actually everything on my report is being shown as included in the bankruptcy, which is incorrect!! They did not even take the time or perform their due diligence to report each item correctly. Experian really needs to be sanctioned or reprimanded for reporting false information and not correcting errors as they are required for accurate reporting. This is crucial especially since they are trusted with providing your personal information to so many entities that determine or make credit and employment decisions based on what they report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-03
Company: PORTFOLIO RECOVERY ASSOCIATES 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 information incorrect

Complaint:
Portfolio Recovery Associates LLC is reporting payment on my credit reports that I am not making thus re aging the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: DISCOVER BANK
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
DISCOVER FIN SVCS LLC acount # XXXX XX/XX/2016 {$1300.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
This person from an attorneys office in California is threatening to call HR for my employers if I do n't call him back. The only reason I answered is because I thought it was a job calling that I 'd applied for. He failed to properly identify himself & has an accent that can barely be understood. This message attached is fr om  X/XX/  17.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-15
Company: SYNCHRONY FINANCIAL
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:
The balance of the account was sold to another creditor, and subsequently paid. The issuing lending/credit card issuer agreed to update payment status to " paid '' once notified account is satisfied. No updates have been made from Synchrony to the 3 credit bureaus. The lender 's note on my credit file is misleading because it gives the impression that the account still has an active balance 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 explanation
Consumer complaint received 2021-12-13
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Someone that I used to talked to, his brother stole my card, I comforts him about it but he blocked me from my personal phone number, etc. the amount of money his brother took was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: National Credit Systems,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:
2009 XXXX XXXX XXXX  {$2200.00} I never lived here. This address has never been used by me. No records will show that I ever resided here. I believe my father lived at this address before he went to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: CITIBANK, N.A.
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I just turned XXXX and am headed to XXXX this summer. I received an email advertising credit cards for XXXX students who obviously do not have credit history. I filled out the application for a Citi Card after much deliberation and WAS PROMPTLY DENIED. They sent me a letter telling me that the reason I was denied ws because I did not have credit history! Exactly! So they lured me in and I gave them all my personal information and then they promptly rejected my application. As if that we not bad enough, they obviously sold my information to other companies because within a month, I have started receiving junk mail and solicitations for financial services and credit card applications FOR STUDENTS WITH NO CREDIT HISTORY. I am FURIOUS that Citi Bank is snookering kids like me and then making money off of our personal data. I wrote to them and asked them delete all my information from their data base and they refused, saying I had agreed to sharing all that information when I applied for their credit card for students WITH NO CREDIT HISTORY. Do not allow them to get away with this, please!

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 2019-12-17
Company: SUNTRUST BANKS, INC.
State: FL
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:
My mother 's Sun Trust master card was used for two fraudulent transactions. One on XX/XX/XXXX for {$240.00} and one on XX/XX/XXXX for {$240.00}. Both seem to be the same. My mother has not used the card for either transaction. The fraud department says they've investigated and they keep insisting the charges are valid. I suggested they investigate my mother 's history with that card and clearly they haven't because if they had it would be clear that she did not charge either one of these. Someone at a restaurant perhaps used it before they returned it to her. Both charges appear to have been placed at XXXX XXXX. My mother is XXXX years old she doesn't travel and if it's a mall she hasn't been to a mall in 10 years.

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 2017-04-16
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I believe that Navient is working alongside XXXX XXXX XXXX and a sister company XXXX XXXX XXXX in posing as the U.S. Department of Education as they stated. It is my belief that these companies are conspiring together with Navient running an overall scam against the government. The two companies listed above state they work with Navient to provide a service that they are allowed to charge for though the product is bogus. I have let them know numerous times they are a scam in presenting themselves as someone they are not. I did further let them know I was aware of what they were doing and to cease all contact with me immediately in presenting a fake product. They proclaimed numerous times to be working with/for the U.S. Department of Education which is a governmental agency. They stated that they send us out paperwork and much needed documents that you ca n't get anywhere else regarding student loans in how they are working with Navient to help others. The same documents they are advertising for a fee can be found online at the government website free of charge to us. Due to me being aware they are selling governmental documents I told them once again they are running a scam and I want no part of it!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
HSBC BANK acounts # XXXX XX/XX/2011 Balances {$2000.00} This account was closed and paid still in my report as a debt .... please invest immediately. Correct my report and eliminate all negative information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: PRESTIGE FINANCIAL SERVICES INC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Prestige Financial Services Administration will not accommodate me on my Lifetime XXXX and ADA Disability Civil Rights Act under Department of Justice. 
I have respectfully requested for lower payments as l am going through a permanent Financial Hardship and l also have a Federal and State tax debt and l have to pay. 
I will not be able to make any more payments of {$440.00} or {$480.00} on my auto loan after XXXX XXXX. 
I can only a afford a payment of {$270.00} to {$280.00} @ month on each month on the XXXX. 

I am on a fixed XXXX Retirement Pension income and have no other financial means. 
Also, Prestige Financial Services Administration email me a document disclosures for me to sign of l wanted a change in due date on auto monthly payments. 
In which l told them l don't have to sign because is not mandatory in the Consumer laws of Federal and State. 
Prestige, should not force our XXXX XXXX of XXXX XXXX XXXX and XXXX Veterans to sign a document, so they can have their way legally and put a restriction on a auto loan. 
I am continuing to have major issues with Prestige since XX/XX/XXXX till Present, when l was going through a my Bankruptcy Chapter XXXX of XX/XX/XXXX and purchase the XXXX XXXX XXXX  XXXX in Texas with mechanical issues and overpriced purchase on XX/XX/XXXX. 
Bankruptcy Chapter XXXX was discharged by Federal Judge in XXXX, Texas on XX/XX/XXXX. 
It appears that soon l might have to return vehicle back to XXXX as l can not afford monthly payments of {$440.00} and {$480.00} after XXXX XXXX. 

I like to keep the car as l needed it for my Lifetime XXXX Medical treatments and appointments with my XXXX  Doctor Dr XXXX XXXX XXXX in XXXX, California. 

I am respectfully XXXX Lifetime and Retired and a XXXX XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: BB&T CORPORATION
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
BB & T XXXX XXXX XXXX XXXX, FL XXXX XXXX FAX XXXX BB & T CLAIM XXXX XXXX BB & T sent me a credit card I never received. Someone else received and used the card without my authorization. I never received the card. I do not know who received the card. I never used the card. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged again for XXXX. On XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for XXXX on XX/XX/2019 it was charged for XXXX. On XX/XX/2019 it was charged for 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 2017-04-14
Company: PINNACLE RECOVERY, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent the payment, but the collector continued to call and harass me. He was extremely rude and tried to pressure me into paying exhorbitant collection fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I made a purchase of {$60.00} on XX/XX/XXXX using my Citibank personal credit card. That is the only purchase I made on this card in the last three years. As this card is used quite infrequently ( mainly as an emergency/backup card ) I relied on a statement to remind me that a payment is due. I did not have any alerts of payments or links to access statements made available to me by the bank. I proactively tried to access the account online on my own accord on XX/XX/XXXX and found that I do not have the online credentials to gain access to view transactions and statements. When I called customer service I was routed to collections department and informed of the delinquency arising from the XX/XX/XXXX purchase which, now had attracted a substantial penalty and had inflated to {$160.00} in total outstanding. Furthermore, this 'delinquency ' led to a negative impact on my credit score. All this happened without Citibank bothering to make a courtesy notification to me, a Citigold ( privileged banking ) customer in all these months to let me know of an outstanding amount that needed to be taken care of. All this makes me feel that there is an unfair and deceptive practice ( UDAP ) in play here where the bank is deliberately keeping its long-standing, 'appreciated ' customer in the dark about amounts owed and not being proactive about understanding that customer does NOT have access to their statement. And this payment of ~ {$160.00} also was made on the basis of verbal communication of amount owed via the telephone call as I do NOT have access to my written statements. Bank representative called this a 'bank error ' on XX/XX/XXXX and asked me to call back after the payment has posted. When I called back today, XX/XX/XXXX, bank is refusing to pull back this hit on my credit report. 
An identical situation arose with this very same card in XX/XX/XXXX resulting in a negative impact on my credit score. At the time I had requested the bank to set up alerts so I can be notified and reminded to make any payments that may be owed via this card in future. When inquired I was told that no such alert request had been made. I did make this request, as it was made over the phone. Please help! Thank you.

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 2019-12-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have asked/requested repeatedly substantiation of this debt with originally signed documents as required by law. I have also spoken with this company over the phone repeatedly and have even recorded all of the conversations. At which time they agreed to remove this unsubstantiated debt from my credit reports. The only letter that I continue to receive states the following, " The legal time limit for suing you to collect this debt has expired ''. 
" This communication is from a debt collector but is not an attempt to collect a debt ''. 

If this is indeed the case, then why would they have access to my credit report? I have spoken with a lawyer who assures me that this is illegal. 

They have threatened me, members of my family. I want this to end and I want this debt removed from my credit reports. This has been going on for almost 3 years. 

This collection agency, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., is prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : ( i ) the use or threat of violence ; ( ii ) the use of obscene or profane language ; and ( iii ) repeated phone calls made with the intent to annoy, abuse, or harass.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX Dear Sir or Madam, I am writing in regards to my five XXXX XXXX Student Loans totalling {$64000.00} ( as of XX/XX/XXXX ). I have qualified and been making payments on a Rate Reduction Plan, as I, nor my cosigner, can afford to make the previously quotes full payment of over {$800.00} per month. 

After several conversations with customer service members, I was offered a Rate Reduction Plan of {$280.00} per month, and that amount has been automatically deducted from my checking account on the XXXX of the every month for the past year. However, last month, on XX/XX/XXXX, XXXX separate charges of {$53.00}, {$50.00}, {$49.00}, and {$47.00} were made to my checking account without warning or my consent. On XXXX, following these charges, my monthly payment of {$280.00} was automatically deducted as usual. As a result of these four unauthorized charges, my checking account was overdrawn and I had to reschedule payment on other bills. 

On Friday, XX/XX/XXXX upon discovering these extra charges to my account, I called Navient and spoke with a customer service representative. She informed me that the reason I was charged these extra fees was, " another team member processed the payment without realizing payments had been automatically scheduled. '' When I asked the representative how quickly the charges could be reversed, she informed me that my case would not be reviewed until XX/XX/XXXX and charges would not be reimbursed for at least 5-7 business days after that. 

As a result of these charges, the rate reduction plan was cancelled and I was told to call back to make my XX/XX/XXXX payment and re-apply for the program. On XX/XX/XXXX, I contacted Navient in order to re-apply for the Rate Reduction Program I have been enrolled in for a year, and was told by the customer service representative that they, " do not offer any sort of Income Based Reimbursement Program for private loans ; it is only offered for federal loans. '' When I disagreed and explained that I had been enrolled in this program for the last year, I was asked to hold and nobody returned to my phone call. 

I have submitted a previous complaint to the Consumer Financial Protection Bureau regarding the initial monthly payment of over {$800.00} quoted in XX/XX/XXXX, and I am prepared to submit as many complaints that are required in order to resolve this matter. 

Please feel free to contact me at your earliest convenience with any questions or concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
I refinanced my home loan through the same company we already use for our mortgage, Carrington Mortgage services. We closed in front of a Notary on XX/XX/2017 It is now ) XX/XX/2017 and we are not funded and they asked for more money because they calculated wrong. They asked for more money on Monday after XXXX when our loan should 've been funded. I was told it was to be funded Sat after our 3 day period to change our minds. I now worry about my credit and late fees because I was told my part was paid so I used my money I saved to pay off another bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Aargon Agency, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
AARGON COLLECTION AGEN acount # XXXX XX/XX/2019 amount {$2100.00} This account is not my responsibility. You belong to my medical insurance, please make a more thorough investigation and I have communicated directly with my medical insurance which has notified me that this debt is not my property ... please I need a resolution immediately ... .. I request all negative action in my credit report be corrected, eh deleted. Any kind of balance please contact, directly ... with the medicare office they are available ... thank you very much I hope solution immediatel

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 2019-12-17
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Someone obtained my social security information along with my date of birth and opened up the following credit cards and financial accounts fraudulently:-	XXXX XXXX XXXX-	XXXX XXXX XXXX-	XXXX XXXX XXXX -	XXXX XXXX XXXX – XXXX XXXX XXXX -	XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Due to this, they are all on my credit and I need to report them as fraud accounts so they are removed.

Company response to consumer: Closed with explanation