BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-04-30
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
My escrow got messed up during a process of having to get a new insurance company because the current company went bankrupt, which is no fault of mine. I contacted nation star a.k.a. Mr Cooper about the issue because my mortgage payment more than doubled and they stated to me I could pay my current mortgage until I got the checks back from insurance companies deposited in the escrow, then it would balance out in the monthly payment would be fixed. I did exactly that calling them every month which was two months to pay the payment expressing to them I did not want to have a delinquent account or anything on my credit report and they assured me that I was fine, wrong now my credit dropped drastically because now I have a delinquent account on my report and now having a hard time refinancing because I follow their instructions. Then they told me I had to pay a large amount to defer the account going delinquent and I did and I still got flag for a delinquent account please help me get this off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: NAVY FEDERAL CREDIT UNION
State: PA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Pursuant to 15 U.S. Code 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. I, XXXX XXXX XXXX, the consumer is aware that credit was extended using affiant 's credit card as defined in 15 USC 1602 ( l ) I, the consumer has ceased communication with Navy Federal Credit Union and through ANY medium.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-30
Company: ACS Education Services
State: IN
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I contacted Studoc ( formally known as student document assistance program ) prep to get help with my student loans and they gave me false information. They wanted my personal information, which I gave them, they also wanted me to pay up front of XXXX dollars ( I paid them on X/XX/2017, X/XX/2017 and X/X/2017 with the payment of {$290.00} ) without the promise of any written details, and told me I qualify for public service loan forgiveness ( The prep told me it is called Obama student loan forgiveness program, which I found out there is no such program exist and it was false advertise ) Right now it is XX/XX/XXXX, 2017 and they are still asking me for more information and fill out more document, and at this point I requested that I would like to cancel my service and get my money back but the company prep are being avoidance of my request. They kept saying it is almost compelete and want me to wait but I been dealt with this incident since XX/XX/XXXX, 2017.
<P/>The last time I contacted them was on XX/XX/XXXX, 2017. The prep wants me to put another forbearance for 3 months and told me that they tried to contact me in XX/XX/XXXX, and in XX/XX/XXXX but can not give me the date when they called. They tried to put the cause of delaying the process on me but when I asked the date and the time they called, the prep can not provided the information. I kept all the email that I got from the company if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-19
Company: Netspend Corporation
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2019, I opened an account with XXXX XXXX by XXXX. This account had promotional terms that stated {$100.00} bonus for becoming an account holder and initiating a Direct Deposit of {$500.00} or more. Additionally, the terms state that the {$100.00} bonus would be posted 30 days after all requirements havebeen met. After speaking with XXXX XXXX, they state that the terms state the direct deposit needed to be for 3 consecutive months, which is not in the terms advertised. 

My direct deposit of {$500.00} was posted on XX/XX/2019. 30 days after that is XX/XX/2019. I still do not have the {$100.00} bonus and XXXX XXXX  refuses to support my position. I have esclated the issue with no resolve. The representatives I have spoken to give generic statements and refuse to investigate this issue or dive into the issue further.

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 2017-07-03
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I was approved for the Chase Freedom Unlimited Card for a credit limit of {$1500.00}. ( See attached evidentiary documentation ). On or after XX/XX/XXXX, I was approved for the Chase Sapphire Reserve Card for a credit limit of {$10000.00}. Id. On XX/XX/XXXX, I was approved for the Chase United MileagePlus Card for a credit limit of {$15000.00}. Id. On or after XX/XX/XXXX, I  was approved for the Chase XXXX Rewards Credit Card for a credit limit of {$10000.00}. Id. <P/>On XX/XX/XXXX, I faxed my U.S. Passport and my local utility bill responsive to Chase 's inquiry Reference # XXXX. Id. On XX/XX/XXXX, Chase deactivated all four credit card accounts, without notice. The deactivation was discovered on XX/XX/XXXX, upon calling Chase to verify receipt and activiation of an additional user card. On XX/XX/XXXX, the closure of all four accounts was discovered while viewing the accounts online. No due process was afforded. No notice or disclosure has been sent. <P/>I believe that the accounts were closed based on race, color, age and social-class. During the review process, I was not allowed to enter documentation in support of my position. Chase withheld the rationale as to the basis of the deactivation. Shortly after I disclosed my race, color, age and social-class, Chase unilaterally closed my credit accounts. Chase 's practices were predatory because each account was assigned to maximum APR allowed by law. Chase 's practices were discriminatory because after the disclosure of my race, color, age and social-class, Chase deemed me undeserving to possess the accounts.
<P/>I suffer damages and costs including but not limited to : ( 1 ) hard credit inquiries ; ( 2 ) available credit to balance ratio ; ( 3 ) credit scores ; and ( 4 ) detrimential reliance. I seek the reopening of any and all accounts and/or reconciliation of any and all issues raised. <P/>I declare this to be true and accurate, to the best of my knowledge, under the penalty of perjury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-21
Company: Southern Credit Recovery, Inc.
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
i called the creat report angncey and they sepoted it and i got my creat report back it says it stayes on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-16
Company: IQOR US INC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Attempting to collect a debt that is not mine. Sent a letter to debt collection asking for verifiable information and I have not heard anything back it has been over 20 days.

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 2019-09-12
Company: Everest Receivable Services Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I do owe a medical debt. Everest Receivable Services sought the debt out and it is in collections. This I do understand. I am willing to make my first payment in XX/XX/XXXX but this is not good enough for them. They want a payment right now. I didnt even know I owed this debt until last week. They did try to do a settlement which I appreciated but they were VERY RUDE when I explained that I couldnt pay anything until XX/XX/XXXX  XXXX I think his name was. Said Well Im sure you can find some money somewhere. He also said You dont get to make that decision anymore you need to pay something right now. He preceded to scream at me over the phone and upset me very badly. He called me today again and I again preceded to tell him I can not make a payment until XX/XX/XXXX and he said No you dont get to negotiate that you need to make a payment now. He began to get very rude again and I reminded him that he was the one that was rude last week and he offered no apology or anything. He preceded to throw it all back in my face. I am a single mom and I am having a lot of health problems and I explained that this to him. I live with my parents and he said that well since your living with your parents you should have some extra money somewhere. 

I am very upset by all of this. I barely make ends meet. I cant just make money magically appear. This has me very shaken. This company uses intimidation tactics to talk to their clients. 

XXXX is an absolute bully and is terrifying to talk to and has made me cry twice! 

My XXXX year old daughter was around for both of these conversations and it upset her terribly. No one should be yelled at and treated like this!

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 2019-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
TRANS UNIOUN IS INTENTIONALLY DRIVING MY CREDIT SCORE DOWN AND INCORRECTLY REPORTING MAKING CREDIT NEGATIVE.

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect personal pieces of information were found in my reports. The TransUnion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the incorrect personal pieces of information that are reporting on my Credit Reports and need to delete immediately : Wrong Name : XXXX XXXX Wrong Addresses : XXXX XXXX XXXX XXXX  XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2023-03-30
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Experian Information Solutions Inc.
State: NJ
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:
This is my XXXX complaint regarding these inaccurate accounts on my credit report. I wasn't notified if these accounts were verified or not. Please investigate this existing issue and remove these inaccurate accounts from my credit 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 non-monetary relief
Consumer complaint received 2021-06-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not the person to always check their credit but I just check my credit through XXXX XXXX website and i noticed a handful of fraudulent account on my credit report along with a bunch of unauthorized credit inquires. Before reaching out to XXXX, equifax and XXXX, i took the time to reach out to each and every company that the fraudulent account and credit inquires was submitted. I did not do business with such company. I always get email from XXXX stating that my information was on the dark web. I was also affected by the equifax breach. I have attached the identity theft report along with my social and drivers license.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17
Company: Amsher Collection Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Amsher was calling me back to back like every two hours harassing me we I told them to stop calling they didnt I told them to send me something thats bearing my signature by mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-24
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My second mortgage, which was modified ( around XXXX ) from a line of credit to an installment loan, still reports as a revolving account.The difference between a revolving and an installment account is clear, and this account does not have revolving access to a credit limit. It is an installment loan only. It is reporting as a revolving account to all three credit bureaus. 

Called Wells Fargo on XXXX to inquire request an explanation of what could be done. Was told by a banker within Wells Fargo Home Equity that the account was in fact an installment and no longer revolving. 

Called Wells Fargo on XXXX to follow up on my request, since nobody had called me back in nearly a week. Was told again by a customer service rep that this is an installment loan. I asked them to take the necessary steps to reach out to the bureaus to report it accurately. The customer service representative then turned me over to an escalation specialist. The specialist told me that it was reported accurately, but with no explanation. He then put me on hold for an hour, at which I ended the call. 

The files attached are of my monthly statement for the account. It reflects that no credit is available, and that the payments are on an installment basis. By definition, this is not a revolving account. I have also attached a copy of the reporting to one of the bureaus ; the reporting to all three, XXXX XXXX  and XXXX XXXX are all the same.

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 2017-10-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 submitted a dispute to Transunion disputing inquiries on my credit report. I received a letter from Transunion that did not address my concerns at all and nothing was done. Today I called and spoke to some guy from XXXX who said his name was XXXX and know it was n't. I told him that I was aware of that in summer XXXX and again in early XXXX TransUnion experienced a database glitch that deleted EVERYONE 'S TransUnion Inquiries. Once the glitch was realized, TransUnion added them back to your report. He proceeded to tell me that it was not Transunion 's fault but it was the fault of credit karma. XXXX XXXX is owned by Transunion I demanded that he remove the inquiries at once because by law I have to be notified when an item is being added back to my credit report 5 days prior. He refused

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 2021-12-07
Company: EQUIFAX, INC.
State: GA
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 had my address updated several times but credit bureaus continues to keep reinserting the wrong address on my credit report. The bureaus will make corrections and then put the incorrect address back on my credit report. My correct address is XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-23
Company: Sentry Recovery and Collections, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I rented an apartment in XXXX XXXX, NV in XX/XX/2014 from a property management company called XXXX XXXX XXXX. I moved out after a couple of months because I could no longer afford to live there. The company had a lease agreement and wanted to collect for the rest of the agreement, which of course I could not pay. I never paid anything on the account, and years later I noticed it on my credit report. I looked up the laws regarding the collection of debts in Nevada and there is a 4 year statute of limitations on the debt. It has been almost 5 years now. The credit report shows that XXXX XXXX XXXX turned the collection over to Sentry Recovery & Collections XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NV XXXX in XX/XX/2014. The credit report also shows I have already paid 15 % toward the debt, which is not true. XXXX  eliminated the debt from my report after I disputed it, but XXXX  determined that they would not remove it from my 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 2018-12-23
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
My wife and I visited XXXX  XXXX XXXX to purchase furniture for our new home. During the furniture selection process, salesperson talked about financing options. We declared before we started the selection that we intend to finance the furniture and take advantage of 0 % financing. 

Our total came to about {$9000.00} and we were excited to get the finance. I completed the XXXX  XXXX  application and I was approved for financing. When I received the invoice, the total was about {$14000.00}. When my wife and I tried to understand the difference in the final bill, the sales person told me that we would not receive any published prices because I am financing. 

Since we had spent 6+ hours picking furniture, I decided to find an amicable solution and make the purchase. 

When I arrived home, salesperson had accidentally sent me a previous invoice which should the advertised price. We had purchased some floor models which were 50 % off and marked on the floor accordingly. Please review attached multiple invoices with the same same items, but different prices. 

The invoice associated with financing the prices were changed for most items - {$490.00} chair was {$590.00} ; {$120.00} floor model lamp were {$240.00} ; {$120.00} dining chairs were {$290.00} ... 

People at store and their guest service line, explained that this is agreed with Synchrony rules and guideline.

If such agreements exists, I am convinced that Synchrony and XXXX is conspiring to overcharge customers. If such agreement does not exist, Synchrony is not inspecting how their deal is abusing the funding made available to the customers. 

I shared my experience with XXXX  XXXX and they asked me to work with the store. 

When my wife and I were at the store during the selection process, we overheard two couples with similar complaints. 

This must be reviewed, and addressed.

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