BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-18
Company: SYNCHRONY FINANCIAL
State: GA
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 XXXX XXXX 2016 XXXX placed a hard inquiry on my XXXX  Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts. On XXXX XXXX, 2016 XXXX placed a hard inquiry on my XXXX Credit Report. I contacted the company previously and requested for them to removed the inquiry as I never gave them authorization to place a hard inquiry on my credit report. I also do not have any open accounts.

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 2017-05-18
Company: Primary Financial Services L.L.C.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX   XXXX  of  XXXX   XXXX  in arizona is creating LLCs with lenders to work around respa violations. Investigate him

Company response to consumer: Untimely response
Consumer complaint received 2016-01-18
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
The following accounts and inquiries are a direct result of ID theft yet Equifax refuses to remove the accounts/inquires from my credit within 30 days are required by law : Accounts : XXXX XXXX XXXX and XXXX and XXXX XXXX. 
Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Experian Information Solutions Inc.
State: OK
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:
EXPERIAN IS LYING ABOUT THEIR RESPONSE BELOW. THEY ARE SAYING THAT THE CREDITORS XXXX XXXX HAS NEVER REPORTED THE MAILING ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX OK. LOOK CLOSE TO THE DOCUMENTS IN THE UPLOAD WERE XXXX XXXX SENT ME A RESPONSE LETTER TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OK XXXX. Thank you for submitting your complaint on XXXX XXXX, 2017, through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company. We reviewed and considered the information, including the attachment, you have supplied through the CFPB portal and directly to Experian. THE ADDRESS SUPPLIED IN YOUR COMPLAINT HAS NEVER BEEN REPORTED TO US PREVIOUSLY BY ONE OF  YOUR CREDITORS ( THIS IS NOT TRUTH, EXPERIAN IS NOT PROPERLY INVESTIGATING THE MATTER PLEASE SEE WERE THE COMPANY XXXX XXXX SENT ME A LETTER TO THE ADDRESS AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OK XXXX UPLOADED IN THE DOCUMENTS TO VERIFY MY CLAIMS AND FACTS THAT THE XXXX XXXX  HAS USED MY ADDRESS AND REPORTED IT TO THEM ). In order to assist you, we must first verify your current delivery address. Please send two items that verify your current address, with one of those being a government issued id, along with your specific disputes or request for a credit report, to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX and we will promptly address your concerns. For additional assistance, you may call the toll free telephone number provided on your personal credit report obtained directly from Experian, or write to Experian at XXXX. XXXX XXXX, XXXX, TX XXXX. For more information regarding your credit and frequently asked questions, you may visit : http : //www.experian.com/blogs/ask-experian. Thank you for submitting your complaint through the CFPB Complaint Portal. It is our policy to respond to consumer complaints swiftly and to take each complaint seriously. We appreciate you letting us know about your experiences with 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 2015-06-03
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Disputed with this credit bureau concerning XXXX XXXX and sent in backup that this debt was in dispute before this was placed on my credit report and was being collected by XXXX different collection agencies. I asked for the backup to how they verified this amount and they did not send me any information just left the insertion on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: Seterus, Inc.
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Having problems with my bank Seterus over escrow account. I have called for several months complaining about the escrow balance with no luck. They have changed my monthly escrow payment monthly. I received another letter today. The bank admits they can only take an extra XXXX a year. Admitted in the letter, I was several XXXX dollars over that for the year. The letter then said I have a short fall again and are raising my escrow payment. I 've been told they have to refund overage anything over XXXX by federal law and I was approx. XXXX over for the year. I have spoken with the bank several times and despite the letters saying I 'm over the allowable amount of what they can keep they keep saying I have a shortage. I have asked for escrow history for past couple of years with nothing sent to me. Just new letters saying my escrow is changing again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: MARINER FINANCE, LLC
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
This is my second complaint. I was told I would only be contacted and yet my family and friends have continued to receive harassing calls. At this point I will be contacting an attorney in regards to privacy and harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: SLM CORPORATION
State: MI
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
On  XXXX   XXXX  around  XXXX  EST, I calle d Sallie Mae  customer support in regards to potentially reducing my monthly student loan payments due to financial difficulty. Initially I was offered to put up t o 3 loans on forbearance for up to 3 months at a time each . As I informed the customer support contact, such a method is temporary, limited, and not substantially helpful.     I asked for a more effective method to lower my monthly payments. After some time on hold, I was informed of a rate reduction plan available only to those who have missed have a payment, known as " delinquent ''. I then asked why I can not enroll/apply for this program now instead of after missing a payment. I was told that only the collection department can do assist with that and they will ONLY contact me 5 days after my first missed payment. They will not help me because my account is " current '' for paying my student loan bills on time.     The burden of student debt has been especially crippling after college graduation and some relief or assistance would be incredibly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Southwest Credit Systems, L.P.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My credit reports have an adverse action submitted by Southwest Credit Systems, LP, XXXX XXXX XXXX, # XXXX, XXXX TX XXXX. Telephone number XXXX. It indicates my address is in XXXX - I live in XXXX. The creditor is XXXX and I have never had an account with XXXX.

Company response to consumer: Closed
Consumer complaint received 2017-05-18
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Middle o f  XX/XX/XXXX  : re quested statements to show how payment are being applied and balance information. Was told " I do not have a payment due, no invoice will be sent ''. I could not register an online account to get what i needed.      XX/XX/XXXX  : I ( father co-signer ) asked  XXXX   XXXX  ( daughter ) " I need you to verify that the  2nd payment to Navient  is being applied to the principal, if not make it from here on out.   "  XXXX , make sure th e 2nd  payment is applied to the principle not the interest. Go on online and ... better still do a screen shot and send me the the last 5 months '' Dad, I 'll probably have to call them tomorrow. Its not recognizing my info to let me register.      XX/XX/XXXX  : Dad, I got a headache talking to those people a t Navient..Majority of  your payments go towards the principle. They said for your {$150.00} payment, {$120.00} went towards the principal Dad, I 'm still having problems logging in online, but I 'll send you the screenshots once I get in.     Frustrated we gave up on further communication its too stressful. I attempted to open account a year or so once I saw it on credit report. To no avail I have called numerous times requesting an monthly invoice on balances, interest, how much of the monthly payments went toward principle and interest.   Making  2 p ayments a month of {$150.00} the obligate is {$130.00} a month {$180.00} was request to be applied to principle, according to end of year statement.     Refinance home to payoff loan - called on  XX/XX/XXXX  requested payoff balance and interest, principle payment of all past payments. Then it was {$15000.00}. Was told it tak e 10 to  20 days for the statement to be mailed. Received on  XX/XX/XXXX  a list of payments and dates, no balance as of dates, no balances at all.   Called on  XX/XX/XXXX  to ask for payoff balance and payments interest principle for every month I have been making payments. I was also told the  1st payment of {$150.00}, {$50.00} is interest and the 2nd  payment that month of another {$150.00} {$25.00} is interest. As of this complaint have not received anything else.     They are make extremely difficult to make payments, to get accurate information on accounts, ignoring complaints, giving inaccurate information, incorrectly processing payme nts. Navient 's c ustomer support are extremely rude and hostile. Like debt collection agencies!    XXXX   XXXX  Co-signer Account #  XXXX   (  on recent correspondence  ) Loan  #  XXXX  Account #  XXXX   (  on  XXXX   XXXX  )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Equifax have copy of police report and so does they company i am disputing. I 've requested equifax to send me copy of contract, proof of validation and they failed to do so several times been back and forth with equifax sine last year i 've sent the letter to the several times every time i dispute this account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: ERC
State: PA
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:
On XXXX XXXX, 2015 I received a notice in the mail from Enhanced Recovery Company , LLC stating that they were collecting a balance of {$710.00} that I owed on a XXXX account. I called this company at XXXX and spoke to XXXX XXXX, who verified my demographic information and social security number. I told her that I never had a XXXX account. She then told me I needed to complete a fraud package which she mailed to me. I went to the police to file a report on this. The PA state police called XXXX and verified that I never had a XXXX account. The Officer informed me that this collection agency is a fraud as the XXXX logo on the paperwork they sent me was counterfeit. I was advised to report this incident to FTC who referred me to this web site.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-18
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
A bill pay check for {$310.00} was sent to  Wells Fargo  on  XXXX  against a closed account, and cashed by them on  XXXX . This was sent accidentally, as I have a valid car loan contract with them and the check was meant for that  (  second check was already issued for that ).     I believed since the account was closed,  Wells Fargo would act in good faith and not cash it. I called wells Fargo  as soon as I discovered this and was told it would be refunded within  two days. After a week with no refund/correspondence I had a conference call with my bank ( who issued the bill pay check ) and Wells Fargo  who assured me this would be refunded within a week.     It 's now  two weeks later, and 3 weeks since this has begun. Wells Fargo is  conducting radio silence, and every time I call, I 'm told they will look into this. As they promised resolution ( on tape ... I recorded the conference call ) and have not honored their word, contract, and to be honest stopped stealin g ( took money, nowhere to allocate it to, promised to reimburse ... now ignoring follow up requests ), w hat can you do against this theft/bank fraud?

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 2015-11-11
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Back in XXXX of this year, Seterus XXXX opted me into a coupon program and stopped providing me with online statements. I had been paying on their website at the time and was retrieving my statements online. I did not ask to be opted into the " coupon '' program. I called in XXXX to have this resolved and was told that they were sorry. Then they opted me out of the coupon program and said I should be able to view my statements online. Subsequently I stopped receiving statements of any kind. I no longer received the paper statements by mail and was still unable to view statements online. On XXXX XXXX I called again and was told they found the problem and my XXXX statement would be available. I called on XXXX XXXX and was told that the statement had n't been issued yet and to call back in a few days. I called on XXXX XXXX and was promised a call back. I never received a call back. I called in again on XXXX XXXX and was told they had reached out and to check back in XXXX. I have asked to speak with a manager on multiple occasions and they have refused. To make a long story short, I 'm extremely frustrated. Calls to Seterus are getting me nowhere. I have spoken with XXXX at ext. XXXX and XXXX at ext. XXXX among others. I believe if I 'm paying them they have to provide me with a statement but they are unable or unwilling to provide this statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: Paypal Holdings, Inc
State: GA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On  XXXX   XXXX ,   XXXX  , I mailed a certified cashier 's check in the amount of {$300.00} to  PayPal Inc. Attn : Accounting   XXXX .  XXXX   XXXX   XXXX ,  XXXX   XXXX  in order to cover for the negative balance on a family member 's linked account,  XXXX  XXXX  XXXX . This check was for the amount of {$300.00}. Again, I had no prior knowledge of this negative balance before it was brought to my attention by  PayPal. T he family member lived with me for about a year or so, and then moved out.     On  XXXX   XXXX ,   XXXX  , I opened a new  PayPal ac count to continue my business (  XXXX  XXXX  XXXX   ),   but I did not begin using it until  XXXX   XXXX ,   XXXX  , after I mailed the check to rectify my family member 's negative balance ( which was the reason for my previous account 's closure ). The first payment I received from a customer went smoothly, and was made available to me on  XXXX   XXXX ,   XXXX    (  3 days after confirmed delivery ). The customer then proceeded to leave me a positive review. However, upon attempting to withdraw this money, I was hit again with  PayPal 's limitation. I was dumbfounded. I had mailed a check to correct my family member 's negative balance, I have provided PayPal  with a government issued photo ID, address verification, copies of invoices, and tracking numbers for the orders, and yet I was still permanently limited without any explanation.     At this point, I 'm growing tired of this unfair treatment by a payment service which has successfully handled over {$30000.00} for my business without any issues. This all began with the discovery of a negative balance on a family member 's account ( he lived with me, and used the same living room computer and phone that  I did ).  However, upon learning of the steps necessary to correct this, I immediately sent a check to solve this issue.  PayPal is extremely crucial to my business and its further growth, but I am ready to part ways as well. I am requesting that PayPal make the available balance in my PayPal  account (  XXXX  XXXX  XXXX  ) available for immediate withdrawal to my bank on the account. This balance has already been subject to a previous hold ( which was lifted ), and there is no reason why I can not access my money.  PayPal may keep my bank account linked. PayPal d oes not have to re-instate my account, though I do not see any reason why it should n't be.     Thank you for your time and consideration.

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 2015-05-18
Company: SECURITY FINANCE CORP
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Security finance in XXXX, TX keeps coming to my place of employment, demands a payment right then and there. I can not pay so they tell me to make a promise of payment, I tell them I do n't want to promise what I ca n't deliver, the lady XXXX then gets louder and causes a scene in my office in front of co-workers and my General Manager. My GM has asked her XXXX now to stop coming up here and causing a scene, the XXXX time he asked I was out if the office and she told him she was here to collect a debt on an unsecured loan and gave him the notice to put on my desK on Friday XXXX XXXX. Today they show back up I inform her that I will lose my job if she throws a fit and causes a scene in front of customers and employees she said I signed a contract that states they can come to my job and ask for a payment whenever I 'm late. I told her that they have been informed by me and my GM not to show up again to collect a debt she was about to leave and threatened to take my to court, by stating " That 's fine XXXX we know you make promises and never keep them so we will get our money XXXX way I 'll just see you in court ''. That happened inside so that several coworkers and employees heard her. I told her she was violating the FDCPA regulations and she told she could cause I signed a contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-18
Company: AMERICAN EXPRESS COMPANY
State: PA
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:
I had been an Amex customer for 40 years and then they arbitrarily decided to close my accounts, they were not past due, confiscated tens of thousand of points and handed my accounts over to a collection agency. The agency then proceeded to call my daughters, who have n't been on my accounts for years, and threatened them with a lawsuit if they did n't pay the balance. Not once did they both to call me, the primary cardholder. When I did contact Amex they told me there was nothing they could do because they no longer had access to the accounts. I later called  Amex  customer service and they were able to access my accounts. Neither Amex nor the collection agency has apologized for their behavior and in fact, the collection agency justified their actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Was not notified of investigation status or results

Complaint:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. And it has been 41 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or will file for litigation due to high stress from this horrible experience, this isn't right! My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2017-01-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I am filing a complaint against Equifax. On XX/XX/2016, I requested the removal of a Chapter XXXX bankruptcy on my Equifax credit report due to Civil Case No. XXXX, XXXX XXXX , Et Al., v. Equifax Information Service , LLC, I did not know the source of their information on this bankruptcy and due to this, Equifax has violated the Fair Credit Reporting Act ( FCRA ). 

On XX/XX/2016, Equifax responded and said the information was verified by XXXX. I made contact with XXXX who confirmed that nothing was verified due to a security freeze being in place. 
My question is : How was Equifax able to verify this information if XXXX was frozen?

Company response to consumer: Closed with explanation