BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-29
Company: Bread Financial Holdings, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I am disputing charges in the amount of {$71.00} charged to my XXXX credit card for the following reasons : In XX/XX/XXXX I purchased three ( 3 ) XXXX  gift cards w/ my XXXX credit card. I subsequently tried to use the gift cards at a local XXXX  store in XX/XX/XXXX, but was told that due to the fact that XXXX stores were going out of business, the cards would not be accepted for use by XXXX stores. I initially sent correspondence to Comenity Bank disputing these charges on XX/XX/XXXX. I am enclosing copies of this correspondence and gift cards along with customer receipts showing each of the balances totaling {$71.00}. I paid out the valid XXXX  credit card debt I owed to Comenity Bankd and disputed the gift cards I purchased totaling {$71.00} due to the fact that I was unable to use them. I have written the XXXX credit card company, namely, Comenity Bank, on multiple occasions advising of my dispute and requesting a chargeback on my account. I have also requested that Comenity Bank refrain from accessing me w/ late fees, penalties, interest, or damaging my credit without good cause and without notifying me in writing. I received correspondence from Comenity Bank on several occasions advising me that they were investigating my dispute. The last correspondence I received from Comenity Bank is dated XX/XX/XXXX advising they are handling everything related to my XXXX credit card account and advising they do not have detailed transaction information in reference to my purchase. I provided this information to Comenity Bank on several occasions and again on XX/XX/XXXX ( most recent ). On XX/XX/XXXX I received a telephone call from a representative of Comenity Bank advising that I was overdue on my XXXX credit card payment and that if it wasn't paid it would be placed in collections which could negatively affect my credit. I informed the Comenity representative that the amount she was referencing was in dispute. The representative responded that the dispute was resolved and that I needed to pay on the account immediately. I have never received any documentation from Comenity Bank informing me that the dispute was resolved and that if I didn't pay it my credit would be damaged. Shortly after this telephone call I receive a text message from Comenity Bank advising that I needed to call them regarding my XXXX credit card. I have tried to resolve this dispute w/ Comenity Bank over the last six ( 6 ) months and have never received any explanation ( whether oral or written ) from Comenity Bank as to why I would owe money for goods I purchased, but never received. I am requesting assistance from CFPB in resolving my dispute w/ Comenity Bank .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Certified Credit Reporting, 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:
Someone has been using my information to sign up for credit cards. All of the hard inquiries on my account were made by someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I notified Experian that the XXXX account is incorrectly reporting that I was 30 days late with payment in XX/XX/2010. This information is inaccurate and I would like this inaccurate information removed from my credit file.

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 2020-12-29
Company: Experian Information Solutions 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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Hello Team, I had asked my Mortgage provider, Union Bank, to exclude Owner 's title insurance ( which is stated as optional ) on XX/XX/XXXX. They replied saying they would speak with XXXX XXXX XXXX XXXX and exclude it. Neither the bank nor the XXXX XXXX XXXX XXXX never responded with any data or numbers as to what it would look like if they removed owner 's title insurance. I was communicating with the bank only all the time and the bank is partnering with the title company. 

Today is XX/XX/XXXX and we are now 3 days away from closing the home. Today, I was arm-twisted to buy owner 's title insurance by scaring me with the fact that if I don't buy owner 's title insurance, then : ( a ) my overall title charges will increase by {$3000.00} as the title company is bundling all together for a discounted rate and ( b ) that removing owner 's title insurance is going to delay my closing by 7 days. 
I had no choice but to go for it at this time. 

Also, today, XX/XX/XXXX, I had a very bad and insulting experience with one of the escrow assistants in XXXX XXXX XXXX XXXX. 

I was not told about what would happen if I reject the owners title insurance policy ( which is optional ) by representing it with proper data and numbers, much before hand. I had asked this information around 4 weeks back. 

Now, XX/XX/XXXX, I am around 3 days away from closing and I am called and I am being disturbed on my vacation with information like if I do not take the owners title insurance policy then its going to increase the overall rate by {$3000.00}. This is almost like twisting my arm, and trying to force me to take the owners title insurance policy without presenting the clear information and data to me much before hand. 

When I informed the escrow assistant that I feel insulted, there was no empathy or acknowledgment shown, rather there was a blank statement in response saying that OK we will include the owners title insurance policy. 

This practice needs to be addressed and made sure that all homeowners are treated and communicated properly. They should be treated with respect and dignity. 

The escrow assistants name is XXXX XXXX XXXX. 
My address is : XXXX XXXX, XXXX, CA XXXX Why would they do this to consumers? Why would the title charges increase by {$3000.00} if I try to deduct an owner 's title insurance by {$1200.00}? 


Regards, 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 2020-12-29
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I contacted Harvard Collection, the collection agency that took over the XXXX account number XXXX, on XX/XX/XXXX via phone number ( XXXX ) XXXX ) upon becoming aware that I had a derogatory report on my credit. I explained to the representative that they were pursuing me wrongfully as I was XXXX between XX/XX/XXXX and was not release by the XXXX XXXX XXXX until XX/XX/XXXX. I agreed to settle the bill, nevertheless, for approximately half the amount of {$1900.00} ... that is {$970.00}. As part of the settlement, Harvard Collections would provide the satisfaction to the credit reporting company. The payment was to be paid in 3 parts of XXXX on XX/XX/XXXX, XX/XX/XXXX, and finally XX/XX/XXXX by auto pay from my chase checking account. 

On XX/XX/XXXX, I decided to call Harvard Collections to inquiry whether the satisfaction has been sent to the collection agency as agreed, but to my dismay I was told that i did not fulfilled the parameters of the agreement. They said, specifically that the XX/XX/XXXX auto pay from my chase checking account payment was not made. 
In addition, the representative said agreement made on XX/XX/XXXX was longer valid, and I would need to make a new deal that would consist of me paying over {$600.00} ... more than {$300.00} more than we had agreed upon. 
I immediately called XXXX and asked if an attempt was made from Harvard Collection on XX/XX/XXXX to withdraw the the XXXX, and if the payment was rejected for some reason. XXXX confirmed that the account was in good standing on XX/XX/XXXX and continue to be in good standing. 

My contention is that Harvard purposely and deceptively did not submit the final payment in order to claim a violation of the terms of our agreement and renege on the deal in attempt to extract more funds. 

I am hereby appealing to your agency to encourage Harvard Collections to comply with our original agreement. It is an atrocity that Harvard Collections would take such an underhanded route given the conditions that we as a society are living in -- we are going through a pandemic, and people can no longer claim ignorance to the struggles ex-prisoners go through in order to rebuild their lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I disputed inaccurate information with Experian XXXX/XXXX/2015 stating the dates of last { DLA } activity on account is wrong.XXXX is reporting inaccurate information, I have provided you with a copies of Experian credit report, They said the account open XX/XX/XXXX- XX/XX/XXXX first reported there 's is a 3 years gape in reporting information 's. XXXX XXXX blatantly violating federal Law and miss-representing the Date of last Activity

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
In XX/XX/XXXX, I started opening my husband 's XXXX XXXX XXXX mail/bank statements as he had been in cognitive decline, with no business for over 2 years. I discovered a Small Business Credit Card statement from BANK OF AMERICA with a balance of approximately {$4000.00}. Payments had not been made by my husband for a few months. Since XXXX of XXXX, time of discovery, I have been making monthly payments, always at least a bit above the minimum required amounts. We are living on Social Security and my part time XXXX XXXX wage. The only activity on this account for several years now, have been my regular monthly payments and Bank of America 's interest charges. After 14 months, the balance still stands at {$3200.00}. 

Many attempts in person, on telephone have been made to reach resolution, make a settlement offer or at least reduce the interest rate on this dead account. After getting nowhere with my husband present, I obtained DPOA in XX/XX/XXXX. This is when he was formally diagnosed with XXXX XXXX XXXX. There was repeated misinformation given in the local financial center and over the phone on how to get my certified, notarized DPOA copies to the right Bank of America location. My DPOA forms have been sent three times since XXXX of XXXX, following three inconsistent instruction on the proper procedure. 
There have been literally tens of hours on telephone with offices in New Mexico, Delaware, South Carolina ... maybe others. I have worked my way up telephone heirarchy tiers to reach managers on several occasions, all promising to call me back with help/information re : a resolution or settlement procedure. Not one call back. 
Many calls have been dropped after hour-long holding or runaround processes. Most managers have said there is no sign of having received my DPOA. On XX/XX/XXXX one manager DID acknowledge that my DPOA actually had been received, but that it had not been " entered into the system. '' I have this manager 's first and last name. He promised to call me back with information the following day. I was hopeful. No call. 
On fruitless calls with managers since then, XX/XX/XXXXXX/XX/XXXX, XX/XX/XXXXand XX/XX/XXXX and XXXX I was NOT helped after lengthy shuffling. Some calls were often dropped with no call backs. Apparently, at present, there is no sign that I have DPOA for this old inactive business account. I have regularly made 14 monthly payments since discovering my husband 's debt while interest fees continue to pile up. After frustration and misinformation I had to let it go for the last few weeks. 
Now I have found out about possible help from CPFB.

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 2020-12-29
Company: STERLING BANCORP
State: OH
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
THIS STARTED IN XXXX OF 2020 STERLING NATIOAL BANK OFFER ME A LOAN OF XXXX AND I PAY XXXX FOR INSURANCE AND XXXX FOR XXXX THEN THEY WANTED ANOTHER XXXX SO TOLD THEM TO CANCEL MY LOAN ... .THEY TOLD ME I WILL RECIEVE MY XXXX BACK IN WHICH I HAVE NEVER RECIEVED IT BACK YET ... .I HAVE CALLED SEVERAL TIMES AND THEY GIVE ME THE RUN AROUND ABOUT MY MONEY.THERE NUMBER THEY CALLED ME FROM IS XXXX.I STILL HAV ALL MY CALLS IN MY PHONE FROM THEM ...

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 2017-02-09
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I 've been paying on my student loan since 2007 at 9.5 % interest to Navient ( Account # XXXX ). I called them about 2 months ago when I noticed not even half of my average $ XXXXmnth payment is going towards interest. They were aloof and never acknowledged the discrepancy. Only after understanding they were n't going to help me understand this or do anything about it, I threatened to complain. Again, they could care less. Since seeing that Navient is being sued for reasons such as this, I finally understand why they treated me the way they did.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: LA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
XXXX, Direct loans and other companies have constantly caused problems which damaged my credit and has led to filing bankruptcy twice. They have constant sold my loan from one company to the next capitalizing the interest over and over. I never received the interest rate that they promised over the phone. This has been a constant financial burden to me in such that it has caused me severe financial harm. They would ask for paperwork to be sent to them over and over stating they got it but it was lost or claiming I did not send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
Navient has caused me emotional trauma consistently over the last six years by harassing me over the phone and attempting to withdraw large sums of money out of my bank account causing to me have to close the bank account and pay overdraft fees. 
I was put into a state of XXXX over phone calls by collectors demanding I find a way to pay them large sums of money, and have been dealing with multiple phone calls a day from Navient ( from different phone numbers so I ca n't block them or know who it is ). 
They have failed to this day to offer me a reasonable repayment plan for my student loans based on my income and I now owe {$30000.00} more than I did when I started because of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-29
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: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2016-02-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
This is in regards to a Bank of America credit card account # XXXX showing on my credit history as closed by consumer and unpaid balance charged off. The information provided by Bank of America is incorrect I was an authorized user on this credit card which was opened and maintained by my late spouse XXXX XXXX XXXX. He died on XXXX XXXX, 2011 when Bank of America was notified of XXXX 's passing they automatically closed the card and would not allow me access to it. I had no knowledge of any remaining balance nor did they make any attempt at placing a claim with his estate. They made what was already a very stressful situation even worse. I still have no idea what balance was charged off nor do I have the full account number for which they are reporting adversely on my credit history. I did previously try to contact them with no success or sufficient response. I would like all credit reporting that they have done and are doing deleted from my credit history. I feel they are in violation of the FCRA and have committed a UDAPP as they have made no effort to collect the debt from me which they are saying I am responsible for. Your help and swift resolution of this matter will be greatly appreciated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-30
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have sent letters to the credit bureaus because I have inaccurate information on it, accounts that I already paid showing delinquent, accounts that are not delinquent showing like it is, inquiries I didn't authorized on my credit report. I want to open an investigation and solve my problem because is affecting my credit score.

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 2016-11-11
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Disputed XXXX account showing incorrect information and status. Showing trade line as a Charged off account as of XX/XX/2016 which is incorrect. This account was paid in full to the original creditor with a {$0.00} balance. Experian states they verified this with the original creditor, but upon speaking to the creditor they also show a {$0.00} balance and all my payments paid in full to them directly.

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 2016-10-11
Company: Statebridge Company
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I do not receive my mortgage statement until the day before my mortgage is due and they state they have n't received my payment and it has been 10 days since I snt them the payment. I requested they send me a book or send the statement out earlier and the lady told me that I need to work with my local postal service ... my husband is one of the XXXX..this is not the issue. They have told me know that I will be charged late fees if I do n't get my payment to them on time.

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