BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
I am unable to access my credit report or any other credit information through Experian. 

The phone number associated with my Experian account is no longer my phone number. In order to log in, Experian is asking me to confirm my identity via the phone number they have, which I do not have access to. I am unable to reset my password to access my report because this process also requires confirmation through the phone number I do not have access to. 

Beginning on XX/XX/XXXX I have attempted to contact Experian 's customer service thirteen times and have only received two automated responses that have not solved the problem. 

As of today ( XX/XX/XXXX ) I am still unable to access my credit information through Experian.

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 2016-02-04
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Since circa XX/XX/XXXX, I have been an updating Barclay credit card holder with upstanding credit. Paying not just the monthly due increments but at times, the ENTIRE account balance at once, so much so that they raised my credit from the initial {$1300.00} to {$3300.00} several months ago. I made regular automated payments as usual. Due to a dispute I filed to prevent a fraudulent transaction from my source bank, with which I paid off my Barclay credit card, they temporarily froze my account which reversed the payment to Barclay once month. I received a payment confirmation and no word from Barclay that there had been an issue with payment via email or mail. In XX/XX/XXXX, XX/XX/XXXX I received a letter from Barclay stating that my card/account was closed. I immediately dialed their customer service line, spoke with a female specialist and she stated that if I were to pay {$170.00} ( rather than keeping it closed and going on the " hardship program '' which would reduce my interest rate and monthly payments dramatically ), she 'd reverse the reversal fees and ASSURED ME that my account and card would be reopened. I did so that day, on the phone with her. On XXXX XXXX, XXXX, I phoned their customer service line again to be told that my card hand n't been reopened because it was currently above the credit limit. So I paid AGAIN on that day to bring my balance well below my credit limit and I was told my card would be reinstated and my account reopened within 24-48 hours. That yet again DID NOT HAPPEN. I phoned in ONCE AGAIN today, XXXX/XXXX/XXXX to ask about the status of my card and account after XXXX transfers, ending with a supervisor and their internal collections department, I was informed that not only was my card was not able to be re-opened, but that I had been misinformed and lied to by the PREVIOUS XXXX representatives as my account never had a chance of being reopened, despite my upstanding history and loyalty and explanation of the recent issue. I then inquired about getting on the hardship program to reduce my monthly payments and interest rate and I was simply put on hold and told " Sorry, you 're account is able to be put on The Hardship Program. '' Again, a direct contradiction of what I had been told by Barclay all along. I was given no explanation except a case number and the " assurance '' an investigation would be begun to find out why I was misled and misinformed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, 2015, I filed the paperwork to start a chapter XXXX bankruptcy and advised XXXX XXXX XXXX and Quality Loan Services ( trustee handling the foreclosure action ). Without getting a relief of stay, the foreclosure sale was rescheduled to XXXX/XXXX/2015, which is a violation of the stay. The sale should have been cancelled, since all foreclosure activities are supposed to cease, and the trustee 's sale ca n't be reset until after the bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
To whom it may concern, We wanted to file a complaint regarding the very unpleasant mortgage application experience we are having with Chase.

We started our mortgage application with Chase on XX/XX/XXXX, and always provided requested document within 1 day. Chase promised that they can get the loan done before our closing date of XX/XX/XXXX. However, they started to become very unresponsive as we came close to closing date. Every time we check in with them, they claim things are still under review. Now we are well past our closing date and if we can not close in the next few days we would need to pay a daily penalty of XXXX {$500.00} to the building sponsor. We called and emailed but the person responsible for underwriting is not responding. 

We would like to raise this issue and hope your organization could help us escalate to Chase to have it resolved ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My Husband obtained a Care Credit card ( Synchrony Bank ) from his XXXX. My husband passed away XX/XX/2016. I began receiving statements for payment and the account was transferred into my name without my consent. I felt obligated to pay, and did so for 9 months. My son realized what was happening and that this was not legal. I stopped paying and we contacted Synchrony Bank to resolve. I asked for proof that I was legally obligated and they could not provide any verification of my signature on a binding document, or any electronic or recorded proof- because it does not exist. I was never involved in this credit. After several more calls and requests to rectify this, and explaining to them of the numerous violations against me, they still have not responded and the collection calls and letters continue. I am XXXX years old. This practice is no different then XXXX opening credit card accounts in customers names without them knowing. 
I believe Synchrony Bank is violating many regulations including, but not limited to, the Fair Debt Collection Practices Act, Fair Credit Reporting Act, New Frank/Dodd Credit Card Act, Reg Z Truth in Lending. Each call made to Synchrony Bank has been recorded ( at least we are told so ) and anyone who would listen to our requests to have this resolved, our explanation of the laws being violated, and our request to do the right thing would agree that Synchrony Bank is ignoring all requests, and willfully continuing with this illegal activity.

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 2021-01-06
Company: TRANSUNION INTERMEDIATE 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: Information belongs to someone else

Complaint:
On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX  Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.

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 2015-11-30
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This is in supplement to my complaint no. XXXX. Further investigation has revealed that Conn 's closed this account on XXXX/XXXX/13, showing a balance due of {$4300.00} and indicated the account was " purchased by another lender. '' XXXX XXXX then attempted to collect this invalidated debt but was forced to close the account when they could not validate it, and removed it from my credit listings on XXXX/XXXX/14. XXXX 's has left this invalidated debt on my credit listings for more than a year after it was removed by XXXX XXXX due to it being an incorrect and invalidated account. Attached is an excerpt showing the account was removed on XXXX/XXXX/14. XXXX 's individual listing should have been removed at the same time. They can not validate the debt and it must be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have paid my bills on time and have a good relationship with my creditors. However, my new CITGO Rewards Credit Card issued by Synchrony Bank lowered my available credit from {$500.00} credit limit to {$80.00} credit limit with little or no warning. I learned of this only by logging on to my CITGO account to make a payment. I received no letter informing me of a potential problem with my CITGO credit. A reduction of my available credit, nearly 90 % of my good credit, has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.

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 2022-10-11
Company: DISCOVER BANK
State: MO
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:
I mailed a payment of {$8600.00} by certified mail with tracking, I tracked the payment and it was received on XX/XX/2022 at XXXX pm. Discover claims they never received the payment. I have called Discover several times, I tried to send the complaint on their website ( discover.com/billingerrornotice ). Once I clicked submit, it said there was an error and my information could not be processed. I wrote a hand written letter because my computer is down, I will mail it tomorrow with a copy of the check stub and certified mail receipt. 
I also went to my credit union to see if the check had been cashed and it had not. I asked if they would stop payment and reissue the check or make the payment electronically. They told me they would not because of the amount of the check. They wouldn't for 90 day. Now Discover has added derogatory information on my credit report. I am very stressed out and frustrated about this situation. I have tried everything I know to do, but no one is listening. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-06
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
On XXXX I've file disputes for those inaccurate and unknown accounts I found on my credit report. I'm a victim of XXXX Data Breach. It's almost 60 days now but I haven't received any response. I demand for immediately DELETION of those accounts or I will file a litigation that cause me stress.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Charge card was cancelled without warning or reason. Would like my membership fee pro-rated and refunded to me as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: SYNCHRONY FINANCIAL
State: VI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Lender ( care credit ) makes it hard to pay my monthly payment ( no internet payment even though they say you can the system locks you out, also the automated phone system will not allow you to make payment it will just hang upon you, then they will change min due to higher amount and when you make a smaller payment on time the lender will still charge a late fee and raise the finance fee ... 
Care credit also only gives you a small window to pay. 
You ca n't pay before XX/XX/XXXX for the next month payment and you will only have up until XX/XX/XXXX or you will be hit late fees and a higher finance fee, and claim a delinquent payments on your credit record.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: EQUIFAX, INC.
State: NC
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:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/2022 JPMCB made an inquiry for a XXXX XXXX Bank Credit Card on my account. 

I do not recognize the above referenced inquiry. Please remove from my report :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-29
Company: Seattle Service Bureau, Inc
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Three times I have received phone calls to my cell phone from ostensibly a collection company. They identify themselves as National Service Bureau. They gave me this website for them : www.NSBI.net. 

Each time they call they ask for sensitive information such as my date of birth, verify my mailing address, etc. Each time I tell them I do NOT owe anyone any money and if they have my address and think I do to send a letter. They have refused to send me a letter validating the claim. I suspect, if they were legitimate, then they would already have my address and would send at letter as the very first step anyhow. 

I subsequently called you the CFBP and learned that they have to provide their professional license number. I called them back and they refused. The only thing the guy gave me was ostensibly his name, XXXX XXXX. His phone number is # XXXX. 

I have perfect credit and pay all my bills weekly in full. If there 's anything I missed I 'm glad to pay it, but I do n't want to fall victim to some identity thief. Please investigate this for me. 

At he very least, they have violated the law in not validating the amount owed and whom to. Additionally, they refuse to provide their license number. 

Thank you, XXXX XXXX.

Company response to consumer: Closed
Consumer complaint received 2021-01-06
Company: Experian Information Solutions Inc.
State: NC
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:
I have disputed the addresses and jobs, and names that show on my credit report. 

I was only give one name which is XXXX XXXX. My current address is XXXX XXXX XXXX XXXX, NC XXXX My place of employment is XXXX I have sent in proof multiple times with no update or response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Case # XXXX - Your account has been locked My account is blocked from XX/XX/2020. Support is not responding, I have been writing to them for 14 days, there is no reaction. I wrote to XXXX, where they replied that my ticket was handed over to a specialist, but I still did not get an answer. Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-14
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My XXXX year old Grandmother paid her bill twice. We told the Bank and Mastercard. When we refunded the money, The XXXX XXXX Rewards Mastercard, claimed this was a credit against her account. However, they had already taken out of the bank account. We had to argue this point, that they had taken the money out of the bank account and not used that money as a credit towards the account. We were able to get the situation sorted in that one of their customer service providers said that when the account righted itself at the end of the month we'd only owe the balance. This still hasn't occurred, months later, and they still claim this money - which was never given them, nor used - is owed to them. Because of their insistence, later acceptance but non-action, the account balance doesn't reflect the actual payoff amount, and the bill ballooned. I wouldn't be filing this complaint if they had promised over the phone that they understood and the account was clear. Nor, would I be as quick to complain if dealing with their reps hadn't proved to be difficult in sorting a simple situation. One representative fought with my Grandma for two hours trying to get her to pay the bill she'd already paid, a third time. Claiming that when we paid twice, on accident, we owed this amount.

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 2021-01-06
Company: TD BANK US HOLDING COMPANY
State: ME
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX, ME XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, DC XXXX XXXX  XXXX  XXXX  XXXX  XXXX  XXXX Complaint XXXX Dear XXXX XXXX, Thank you for your response to my CFPB complaint. 

Your argument is nonsensical. 

Therefore, I must insist that the Bank pay the advertised bonus of {$300.00}. 

Otherwise, I will seek treble damages in XXXX XXXX XXXX. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My husband and I apply with our mortgage company to refinance, back on XX/XX/2020 after 5 long months of waiting The loan officer approved our refinance amount, to 3.75 % to 30 years we wanted to negotiate with him the terms of interest to high and the market were still is in 2 % or less than 3 % and he desires to close the case and denied the credit. 

During those 5 months, we pay the necessary fees and sent several emails phone calls trying to speak to this loan officer. In those 5 months, he spoke to my husband 1 time to collect the necessary documents and that is all. 
We applied with another company and close within 45 days. 
I'm complaining because this can not happen to anybody else. 
I just want to make a note of this officer 's behavior.

Company response to consumer: Closed with monetary relief