BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian is not allowing me to lift the security freeze on my credit report. I have tried having the security freeze lifted by using Experian 's website and by mailing in a written request but have not received a 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 non-monetary relief
Consumer complaint received 2016-05-25
Company: PARAMOUNT RESIDENTIAL MORTGAGE GROUP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company, PRMG, is refusing to update the account information from showing a late payment to showing account is current. Six payments due, six payments received. Reporting to Credit Bureaus as late, which it is not.

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 2016-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have been trying to contact Capital One several times about fraudulent charges on my account, but I continuously get ignored and transferred around! There were several cash advances and charges made without my permission. I advised this company to shut down my account and close it a few months ago, they did n't do it and now there 's several fraudulent charges too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Professional Debt Mediation, Inc.
State: VA
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:
Someone from Professional Debt Mediation ( PDM : XXXX ) has called me twice now, wanting to verify the last XXXX digits of my SSN.They had the correct numbers, but would n't tell me what the " concerning matter '' was they were calling about till I verified it, which I obviously refused to do. I do n't have any standing debt except with my bank and student loans, so there 's no reason for them to be calling me. They also contacted my father trying to verify my information. I feel threatened and concerned they have my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have several credit cards with Synchrony Bank and they recently restricted my accounts. This restriction denies me online access to my accounts. This is a problem because all of my accounts are signed up for autopay and I am to able to make any changes to this during this time.

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 2016-12-20
Company: COAST PROFESSIONAL INC
State: ID
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling at work and continue to call even after I have told them not to. They ask for personnel information, before they will tell me who they are or what they want.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
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:
The Navient website will to allow me to make an extra payment to principal. I only have my loans at XXXX % interest. When I make a XXXX payment, XXXX goes to principal and XXXX to interest. I do n't understand this. My total loans are around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-15
Company: Performant Financial Corporation
State: KS
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
A collector at DCS ( named XXXX XXXX ) contacted my husband at work to discuss my student loan. My husband is not on my student loans and I had NOT given permission for any third party to discuss my information. He gave my husband my information to verify my identity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The credit card balance was dispute from my credit report, for more than 7years. Now collectors want to dispute this account. The among is incorrect, the balance was XXXX now their saying is over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax has reported negative information on my credit report that is not mine. I do not owe XXXX, XXXX XXXX, XXXX XXXX XXXX, or XXXX XXXX any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: BB&T CORPORATION
State: MD
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
We have XXXX Business accounts with BB & T and for the most part all has gone well for about 13 years. Two days ago we were hit with what the Police called XXXX. It was a XXXX. My first call after the police was to BB & T. The fraud people were understanding as I was very shakey and upset. I authorized the closing of XXXX of the XXXX accounts but did NOT authorize the closing of the operating account as I had to get to XXXX ASAP to say good bye to my Father who is in XXXX. I already had planr, car and hotel reservations made and would need the debit card when I arrived in XXXX. The XXXX happened on Saturday night of a 3 day weekend and the banks were closed today being Monday. The fraud people were explained that I would have to go in person to the bank to get a new card and since the local branches did n't open until XXXX and I had to be at the airport by XXXX I was given the address and phone number of the branch closest to the XXXX airport. It was agreed that BB & T would keep the account open until I picked up the rental car in XXXX and gor to the Branch to pick up a temporary card. I thought all was well until this morning when I tried to get gas and discovered the account was locked. I have spent the entire day trying to get BB & T to unlock the account. This morning at XXXX I waas told by customer service that he would have to investigate before opening the account but that he would call me no later than XXXX. When he did n't call I tried to call again to discover that he had left for the day. around XXXX I reached someone named XXXX who said he was a supervisor in customer service and that it was his decision not to release the account and that he had notified the fraud department of his decision. He then disconnected the call. In a XXXX, I called the Fraud people back and explained that after multiple calls, always getting different people, being on hold until the call disconnected I was getting desperate. IN the meantime I found out that my Father was worse. I considered delaying the trip one day but without the card I ca n't change the reservations and now realized that if I did n't get there tomorrow afternoon I might not see him alive. The fraud people said their hands were tied. XXXX stayed over an hour after she was due to go home trying to get someone to release the account without succeeding. 
We are XXXX and this is a Business account. We do n't use credit and have no other cards. We have only the money in our pockets. I have no way to get to the branch in XXXX without a car. It is beyond belief that the bank has no one on call with the authority to handle this kind of emergency. I feel like first I was victimized by the XXXX but even worse now I am being victimized bt the bank I trusted. Whose side are they on?

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 2016-01-05
Company: FAIR COLLECTIONS & OUTSOURCING, 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 is not mine

Complaint:
Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have reached out to Ditech repeatedly to have them fix their records of my mortgage payments. My mortgage is up to date with payments but they continue to show we are past due AND assess me late fees that are not justified. My email messages and phone calls continue to go unanswered. The long and the short is .... As we explained in emails we were victims of identify fraud XX/XX/XXXX. That led us to having to open a new account so our XX/XX/XXXX payment was not made until XXXX/XXXX/XXXX. Then we forgot to setup autopay so our XX/XX/XXXX and XX/XX/XXXX payment was n't made until XXXX/XXXX/XXXX totaling {$3200.00}. Our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX and our XX/XX/XXXX payment was made on XXXX/XXXX/XXXX. We are up to date until the next payment that is due on XXXX/XXXX/XXXX. 
To recap : XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$3200.00} covered XX/XX/XXXX and XX/XX/XXXX payments XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment XXXX/XXXX/XXXX {$1600.00} XX/XX/XXXX payment Next payment not due to you until XXXX XXXX for XX/XX/XXXX mortgage. 
Along the way they took multiple payments from my account but they have refunded those.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: American Credit Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I sent a letter to collection/creditor to verify debt and never received a response. I sent my letter on XXXX XXXX and gave the allowed time by law to verify and send documents. I have proof that I sent at post office and no response was given.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Debt collection
Sub-product: Mortgage
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
US Bank National Association Has served me twice XXXX CA XXXX XXXX CA XXXX Its 2016 and nothing is resolved we did meditate they cant make their minds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I was trying to temporarily thaw my credit for me and my wife on XXXX XXXX, XXXX. Due to a glitch on the Equifax website the transaction of {$20.00} was repeated for a total of {$80.00}. I wrote a certified letter to Equifax on XXXX XXXX, XXXX. According to the USPS tracking information they received the letter on XXXX XXXX. As of today, XXXX XXXX, XXXX, I have not received any reply from this agency. Attached are a copy of the letter sent to Equifax, a credit card statement with the charges, and a copy of the USPS tracking for the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX XXXX account # XXXX This is inaccurate account information. I had a low limit credit card with them {$300.00}. I never borrowed {$950.00} on that card, and it shows a balance owing {$1200.00}. I never owed that much on the card. This is inaccurate all around!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-21
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
We 're a small, man/wife XXXX corporation. We have been working diligently to rid ourselves of business debt incurred between XX/XX/XXXX-XX/XX/XXXX as a result of the XXXX Recession. Since early XX/XX/XXXX, when signs the worst was over surfaced, and especially during the past XXXX years, we 've been working with a NFP to negotiate lower interest rates to help keep our small business afloat. Recently, after never having failed to pay on time, we discovered after review that we had paid, in principal alone, far more than borrowed on several cards. To prove our findings we did a full accounting using receipt records -- recording all borrowings, payments on principal, interest and other fees. We sent these reports with a one-page cover letter of explanation ( copies are available ) via tracked XXXX Priority Mail to XXXX, XXXX and XXXX XXXX. We have documentation all were received. Only XXXX, XXXX, has bothered to read our material and correspond by phone. ( They advised they 'd look into our concerns and get back to us, although " it might take some time. '' ) From the others we 've received only form letters advising we 're overdue, as they tacked on high interest and late fees. In our cover letters we told each party that due to overpayment and the fact we 're both in our XXXX 's and must still work, we will pay no more. 
Although we have no faith whatsoever in the co-called credit reporting agencies ( calling usually gets you someone in a XXXXworld country who barely speaks XXXX ; writing a certified letter we found is usually ignored ), we trust XXXX XXXX implicitly. When we saw this opportunity to communicate with an organization of which she was a part, we jumped on it. Please let us know if you need more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: First National Collection Bureau, Inc.
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 was paid

Complaint:
I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt has been paid in full since XXXX 2012. There is a zero balance for this paid collection. Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Late fee

Complaint:
I have a Bank of America issued XXXX credit card.This card has been used monthly since 1993. Until this month, XXXX 2015, the card has always had a grace period. This month a {$25.00} late was assessed on the due date for payment. I have excellent credit and always pay in full each month. At this time, I am having a difficult time finding a major brand credit card with a 30 day grace period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have private student loan with navient I am currently paying based on my income however it is very expensive and I ca n't afford the payments .i am set up for automatic payments each month based on my payday and they are charging me a late fees each month also the amount that I am paying is only being applied to XXXX loan and not all of my loans. I have co signers and I am feeling I am drowning in this debt I have to reapply again XX/XX/XXXX for this income based program and it wil most like go up which I can not afford. I am currently paying XXXX per month, this is up by XXXX more than I paid last year and my balance does not seem to be going anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I write Equifax in XXXX and tell them no dispute for XXXX accounts XXXX and XXXX. But my mortgage person tell me they still in dispute. I NO DISPUTE. Please change this!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Equifax refused to allow a consumers statement against XXXX. 
they said because I already had a consumers complaint against another company they could n't accept another consumers statement. I also included a consumers statement about a year ago, but somehow it disappeared, against XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: ERC
State: TN
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:
I have no knowledge of said debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have submitted loan modification but they denied it. They said I have other option which is Short Sale with HAFA. I have submitted and qualified for HAFA. They sent me letter and asked me to list the house as the price they approved and told me they will postpone my sale date until they complete marketing period. My agent informed me that the sale date is on XXXX/XXXX/2015 and she tried to contact negotiator but no response. I could not understand that we do have paper show they will help to postpone the sale

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: AMERICAN EXPRESS COMPANY
State: GA
Product: Credit card
Issue: Other

Complaint:
XX/XX/XXXXWelcome to Card MembershipWe are pleased to let you know that your application for the American Express ( R ) XXXX Card has been approved. We hope you 'll enjoy the benefits of Card Membership. 
As of XX/XX/XXXX I have not received my card. 
I made numerous call to American Express, and I was promised a card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-06
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've had a chase credit card since 2010. I 've made timely payments, in full for years. I started a new company, and my credit card balance went up to {$28000.00}. I went over 60 days on missed payments. My APR went from 15 % to 27 %. My monthly minimum is {$980.00}, which I have now made 8 consecutive, on-time payments. {$700.00} is going towards interest, $ XXXX is going towards principal. I CAN NOT reduce this bill, or get to my maximum credit limit of {$26000.00}. Chase will not remove my penalty APR. i 've called every month, and they continuously tell me they will not, nor will they ever remove the penalty APR. I 've paid {$5000.00} in interest this year alone. This is a heavy burden. By going back to my normal APR of 15 %, will drastically help me reduce my balance. At this rate it will take years to pay this credit card off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: JPMORGAN CHASE & CO.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Dear Sir/Madam, JPMorgan Chase credit card is holding me responsible for the for the fraudulent charges. 
I really do not understand that why bank 's fraud department is holding me responsible for these charges and how come do they expect me to pay {$39000.00} which I never used and I should not be responsible for these charges. 

There is a clear evidence that these charges are fraudulent 1. Signature does not match on the sales draft from merchant. 
2. Why bank did approve large transaction for XXXX USD without any authorization from customer when transaction occurred outside USA? 
3. Bank 's fraud department must notify me either by email/phone/text for such a large transaction. I have not received any indication for these charges. I come to know when I checked my statement online after arriving to the USA. 
4. Do you think merchant should do their due diligence? they should check address on the driving license ( see attached ) when they are selling product. 
5. This is not my normal spending habit since I opened the card since 2011 6. Why chase credit card did not send any text alerts/email for such a large transaction? 
7. Why bank is not holding merchant responsible for these fraudulent charges? Merchant should check when he is selling {$220000.00} goods to the consumer. 
8. Fraud department had enough evidence which does confirm that I did not make these transactions. However, Chase bank is still holding me responsible for these fraudulent charges? Why?

Company response to consumer: Closed with explanation