BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX is reporting an account on my credit report when I have never had any kind of contract or agreements with them for them to be reporting on my report. I have contacted them and they stated they can not discuss the account with 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 2017-04-05
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Sent Experian a letter certified mail regarding several accounts. XXXX account in particular, which is XXXX XXXX. Per my credit report this account was opened back in XX/XX/XXXX. I had advised them to removed the account for several reasons. It 's past 7 yrs status of limitation for Arkansas, terms states 1 month, the amount is incorrect, the last update was XX/XX/XXXX, I was not at that resident and the credit bureau did not provide proof. Experian sent me a letter advising it will remain until XX/XX/XXXX of this year, which I disagree with and is hoping to get this account removed as soon as possible due too all of the inaccuracies.

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 2017-04-09
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
Ordered card from Barclay MasterCard being told that the $ XXXX annual fee would be waived for XXXX Just received a letter that next month they will charge the fee despite being told that they would waive it. I would n't have an issue if they gave a year from the notice or would charge when the card was up for renewal but less than two months to pay off the balance or be forced to pay something that I was originally waived? Does n't seem right to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: ROC Asset Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
I received calls from the firm ROC and API Recovery Solutions claiming to be process servers coming to serve me papers and if I pay them they will stop the law suit. They have called my family and said I am a criminal in a case and they need to get a hold of me. They have claimed to be a " pre-legal '' firm, and then claimed to be a debt collection firm. They give me false names for employees then when I say I spoke to someone by that name they say I am a liar. They route their phone numbers through local numbers to ensure I pick up. They call me a criminal and scammer. They are harassing me, and when I tell them to stop they say 'no '. They are causing me distress and will not leave me alone. 
http : //apirecoverysolutions.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: Resurgent Capital Services L.P.
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
LVNV debt collection agency has responded with a statement saying they notified me via mail on XXXX/XXXX/XXXX ... I am providing documentation of a lease agreement with XXXX XXXX in XXXX XXXX where I moved to on XXXX..and I am employed with XXXX XXXX. Therefore, I was NOT notified of debt and LVNV is making a false accusation. The amount of {$1000.00} has been reported to all 3 credit bureaus and done so without notifying me of debt in their possession prior to the report to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SCA Collections, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The State of South Carolina takes hospital bills out of your state taxes why they send you to the collection agencies. And they know they takes it out of your states taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Rent Recover, LLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is a {$650.00} charge sent to collections in my name from XXXX that I do not owe. I knew nothing of this debt until it showed up on my credit report in XXXX XXXX. I contacted the company -- they apologized and said it would be removed from my credit report, however it is still reporting negativity. I would like this erroneous collections charge removed from my account ASAP. I am trying to buy a home and have been trying to have this removed for months. I have supporting documentation showing I do not, and have not ever owed this collections charge.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-29
Company: LEXISNEXIS
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
This third-party credit bureau is improperly reporting a bankruptcy under Public Records on my credit, causing significant damage. Per the Courts, they do not report to credit bureaus and/or share 3rd party information. The credit bureau improperly pulled and/or purchased information from other third-party agencies, known as data mining companies. Therefore, it MUST be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I reported a fraudulent charge on my credit card to Synchrony Bank They sent a fraud claim form that I completed and sent back. 
I then received a letter from Synchrony denying my Fraud Claim. 
" Customer released account information to a third party '' was the reason given for the denial. On the fraud claim I told them that credit card information was given over the phone to XXXX for a purchase. 
My wife XXXX who is also authorized on this account made the phone call. Information was not given to a third party. 
A fraudulent charge was made for {$7400.00} from XXXX on XX/XX/2016. We did not make this purchase nor did we received anything for this charge. 
It is a completely fraudulent charge.

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 2016-08-24
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was offered a credit card from XXXX XXXX XXXX through the XXXX XXXX XXXX XXXX. I sent in the application and never received the card. On researching, the bank of mailboxes that supplies our house was broken into and mail stolen. We called XXXX XXXX XXXX and reported we never got the card. The card was apparently used at a XXXX in XXXX Colorado shortly thereafter. and the police were to lazy to look at the security camera video and apprehend the thief. I have called XXXX XXXX XXXX 5 ( five ) times since and each time been told that the realized that this was the case and that they would erase any charges and close the account, and each time continued to receive bills until the 5th time. Apparently they then reported adversely on my credit. The last time I talked to them was over a year ago. Apparently No matter how many times I call them they can not get it right so I thought I would go to this website to get action. 
XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Colorado 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 2020-08-18
Company: Convergent Resources, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Convergent Outsourcing sent a collection notice and refuses to validate, got a name that is similar, hence its a fraudulent attempt to collect a debt now owed, furthermore on XX/XX/16 XXXX out of XXXX NY sent a collection letter under reference XXXX which was disputed for the same account and balance in question, XXXX was unable to validate the debt, and also because of identity fraud. They went ahead and closed the file, which XXXXConvergent now is attempting to collect. 

The agent at Convergent made threats.

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 2016-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid off after contacted by recovery service which at the time offered payment just only principal balance rather than principal and interest also penalty. The settlement was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: FTA Financial LLC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
In XXXX of XXXX I consigned on a bail with XXXX for a family member which was paid in full. In XXXX XXXX I was sued by a collection agency FTA Financial who said they represent the bail company who was now out of business. The man would call me from the collection agency and tell me I was a " stupid XXXX '' and laughed himself to sleep at night thinking how stupid I am. When I responded to the court notice the collection agency asked that there be no court date and due to lack of evidence the court find in their favor without going to court but the court denied that request and set a court date in XXXX XXXX. I sat in court for hours and the collection agency never showed so the judge said the case was dismissed. I started receiving collection letters again and left many messages asking them to stop sending them but when I called today I finally got someone on the phone who said the court case was reopened this month XXXX XXXX because they never received notice of the court date in XXXX which is hard to believe and when I left court that day I called them and told them it was over and to stop harassing me. It is not fair because the evidence I had the day in court an old cell phone with messages from the bail bonds proving it was paid I no longer have.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Re : Chapter XXXX Dismissed Bankruptcy Docket # XXXX filed XX/XX/XXXX 2011 I am disturbed that the credit bureaus continue to list the dismissed bankruptcy as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, these credit bureaus have no right to maintain information which the government has deemed nonexistent. 

Also, I filed this bankruptcy in XXXX County Court in XXXX, NC on XX/XX/XXXX 2011. I have never been to XXXX County which is the information being reported on my credit file. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14
Company: RoundPoint Mortgage Servicing LLC
State: LA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have filed several complaints concerning roundpoint mortgage. Roundpoint continue to contact and harass us. Roundpoint refuse to respond concerning a false account. XXXX was supposed to send a response and we have not received, but roundpoint continue to call and harass we just received a call from roundpoint today saying it 's a courtesy call. Please check do not call registry.

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 2017-04-07
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PennyMac continues to delay payment of my contract 's invoices. Payment of this invoices is necessary for my contract 's to order supplies and complete the necessary repairs to my home after XXXX XXXX. Over {$100000.00} of damages need repaired before my family can move back into our home. Meanwhile, PennyMac continues to hold over {$100000.00} in their escrow account while it draws interest for them. I have received nothing but difficulty and obstruction fromPennyMac at every turn. 
The did send one check for one contractor ... .it was for the wrong contractor AND it was for the wrong amount. I had to overnight the check back to them which had to be " processed for 2-3 days '', then they had to wait for their own check to " clear '' before they could re-issue a new check. But then they said they did n't have all the documents they needed from the right contractor to process the new check ... despite the fact that I have fax confirmation showing the documents they requested had been sent a minimum of 2 times each.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: Experian Information Solutions Inc.
State: TN
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:
Recently I sent you a request to reinvestigate the information that I previously disputed. I do not allow e-Oscar or any automated method of verification. These information still not removed from my report it is unacceptable and I am getting upset they are erroneous and it is impacting my life my credit rating

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 2015-05-28
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
vendor charged me XXXX for the a service i did n't get. i tried talking to the vendor to reslove the case before i called wells fargo bank. i was advised it was going to be taken care of i gave he all the info they requested and a credit was issued to me. only to find out that it the credit was take a from my account a few months later, making my account negative.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I just wanted to confirm that this account will be deleted from my credit bureaus. It seems like my last request got sent with the last 4 of my social but in my husband name. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: IMC Capital, LLC
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have received numerous unsolicited phone calls offering my business loans lately. I have used the option to stop receiving calls or told the person I am not interested and to take my company off their list. Instead the calls keep coming and now they sent me a credit card in the mail that I did not ask for or agree to. 
The card is from XXXX XXXX, it claims to be a $ 150XXXX limit card that I am to call to activate. No terms, just the card and instructions on how to activate it. I think it 's a scam Ph # to call is XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have not been able to make my payments on several occasions. I was not made aware that there were other options other than forbearance. I continued to make monthly payments, but after the forbearance ended, my payments were not enough and they turned me in to credit agencies for not making payments ( even though I made auto payments monthly ). I was not aware of this for several months. I had excellent credit, but now my credit has gone from XXXX to XXXX because they listed me as non payment on XXXX loans for several months. I am still not in a payment plan based on income b/c I just read about them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Rushmore Loan Management Services, LLC XXXX, CA XXXX My aunt and uncle ( deceased ) had a reverse mortgage that was serviced by a company called XXXX. My uncle died in XXXX. His wife could not afford to maintain their home nor afford to pay insurance and taxes on the home. In XX/XX/XXXX, she sent by certified mail return receipt requested, a letter to XXXX with a copy of the death certificate stating her situation and requesting that HUD take back the home. In XX/XX/XXXX, she had not heard anything from XXXX and called them. They told her that they had received the death certificate but did not have any record of the letter turning the home over to HUD. She again sent a copy of the first letter to XXXX by certified mail return receipt requested. At that point she washed her hands of the situation. She cancelled the utilities and quit paying for insurance and taxes. The home has now been vacant for over two years. On Friday, XX/XX/XXXX, she receives a certified letter from an attorney 's office hired by your company stating that they intent to accelerate the note if she does not pay {$110000.00} plus other fees. After getting the attorney 's office a letter of authorization to talk to them from my aunt, I was told that the file had been closed. 
My aunt is elderly. She does not need this kind of XXXX. She did what was required two years ago. 
My question to you is " What the XXXX is Going On? ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
The amount of the total amount owed had increased greatly than the amount of what I borrowed. The interest added on to the loans are outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Amazon is running a banner ad at the top right of its web site which states : " 5 % Back at Amazon.com & rewards everywhere '' next to an image of an Amazon Visa card. But when you click on the ad, it takes you to a page that says that it 's 3 % back at Amazon.com. This is false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: JPMORGAN CHASE & CO.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I recently applied for a home equity loan-my first time doing so. One of the reasons I was n't approved was that I had a charge off on my chase credit card account in 2005. According to the fair credit reporting act information over 7 years old is not to be reported unless is a bankruptcy, and then it 's 11 years. I contacted chase, and they refuse to take it off. The response I received was that they did n't want to affect the integrity of the reporting procedures. So a mistake I made XXXX will affect me the rest of my life? I have 10 years now of no negative marks on my credit, and this is still haunting me. I do n't know what else to do! Please help!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-31
Company: Assured Financial Partners
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
i had gone to a small car dealer on monday XX/XX/2017 and i wanted to get a car so they got my social security and my credit history and also information where i work at. So the dealer was acting for too much down payment so i declined and did not proceed to get a vehicle there. But they had stayed with all my information. On Wednesday XX/XX/2017 someone had called my job and left a message to XXXX stating that if i dont call first equity at there phone number that otherwise they were gon na come by my workplace and subpoena me if i dont call. Since i work graveyard shift i was n't able to get the message until that night my supervisor had hand me the message from XXXX .The next morning i call the number that was left to call, so i did call and the person that i was supposed to call was not there so the put me to talk to a different person and they kept threatening me that if i dont pay as soon as possible i was gon na get subpoena and get sued and likely to take money away from my paychecks from work if i dont pay them by this month. They also had told me about how they knew my credit history and everything i had owed. So then i remember how i gone to a car dealer this month on the XXXX and they had stayed with my credit history and information where i work so i think im getting scam by that same car dealer to take my money from me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation