BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-04-18
Company: Navient Solutions, LLC.
State: TX
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 setting up automatic monthly payments with Navient for years. Every time they set me up on a new monthly payment, I write down the name of the rep an d her ID #. 5 or 6 months later, I get harassed and calls everyday saying im in default and it messed up my credit score. when asked why, they always tell me my monthly charge is wrong and i own X amount more. But I can pay the difference to be in good standing. Well, ive been doing this for yrs! Stil every 5-6 months pases, and I have to start over and deal with them putting me at default and increasing my payments. I mean, i set up auto pay! How can I miss payment amounts on that? giving them the previous rep 's name and # does n't even help. they also blame the person who helped me before, saying they calculated the pay wrong. so, it threw my current acct off. They say they will fix it and remove all my late fees, but it never happened. i 'm getting interest on the late payments and i ca n't even buy a car or house! I actually have to call them again bc as usual, I check my online acct and I still have a default acct even though they take money from me every month. I hate calling them. It 's a waste of my time and they act as im the one to blame. I need to get this fixed asap. It has ruined my life. sometimes I ev en think about committing suicide bc no one will resolve this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-31
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan with WFHM. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and WFHM with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX andXX/XX/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 2022-05-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
there was an entry put on my credit in XX/XX/XXXX for Synchrony Bank/Care Credit . Where did this come from. I immediately contacted Synchrony bank at the number provided on the credit. When I called and thy searched their records and there is not account with my nae and social security number. I even called a second number at Synchrony bank and thy verified that I DID NOT HAVE AN ACCOUNT. I contacted all three credit bureaus and submitted disputes on XX/XX/XXXX I just received the outcome of the 3 investigations and that's why I am filing this complaint. I received notice that the info is accurate but that the credit report was changed? XXXX deleted the tradeline and XXXX XXXX and XXXX verified the account and it remains on my credit. this report hit my credit for the first time on XX/XX/XXXX for the time period XXXX to XXXX. Never received a bill, no contact, no contract. 
This fiasco has caused my credit to lose over XXXX points and they know it. 
PLEASE INVESTIGATE THIS TRAVESTY IF ITS HAPPENING TO ME ITS HAPPENING TO OTHER VETERANS AND FLORIDIANS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I had called credit acceptance and paid off my debt i owe to them, i wanted them to delete it off my credit report but they will not i filled a dispute with XXXX twice its still on my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
on XX/XX/XXXX I call to make my normal monthly payment of {$910.00} which was increased from {$900.00} when I tried making the payment through the automatic system did not allow me to proceed with making the payment .... So I call Shellpoint and they told me my payment had increased to {$2400.00} and I ask why so they said my escrow had increase because of a report they hot from XXXX XXXX.. Stating that I owed back taxes and there is a lean in my property ... So I ask them at that time to please overnight XXXX a copy of the the lean and a qualified written report of everything ... I am still waiting. 
After doing some research I found out that there no outstanding taxes that are due. 
I found out on my own that they paid an outstanding water bill of {$1800.00} and charging me an additional {$1500.00} per month. 
So I contacted the NYC water and they are offering a deferred payment agreement up to 10 years ... and because I just had my water main replaced they are also offering a forgiveness problem as well. 
Leans are only placed on 2 family units or more not one family. 
There was no communication whatsoever from Shellpoint mortgage company ... they have also added additional money to my account without notifying me if these expenses. 
{$900.00} up to {$2400.00} is NOT within my budget I seek fairness. 
Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-21
Company: EQUIFAX, 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:
I would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-21
Company: CITIBANK, N.A.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
In XX/XX/2019 I initiated a full balance transfer from my Citibank credit card to my XXXX credit card. The correct balance appeared on my XXXX card. However around XX/XX/2019 I noticed I was still making payments to my Citi bank credit card. I looked at the account and noticed that I balanced had not transferred. I called Citi bank and they did an investigation. In XXXX they closed the " Simplicity  '' credit card, transferred the balance to my " Diamond '' card and gave me a credit for the balance transfer. In XX/XX/2019 I get a phone call stating that I owed $ 800+ on my Simplicity  card. I again told them about the investigation that took place in XX/XX/2019. However they are now claiming that the '' Simplicity  '' card that has a balance of {$800.00} that I need to pay. Since I have done business with Citibank I have never authorized them to open more than one credit card account with them. Right now it appears that I have 3. 

I believe that Citbank is using the created account and the failed balanced transfer to bully customers to pay money they do not owe. It is either that or sever incompetence in their record keeping.

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 2017-04-21
Company: CFS2 Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Hi,   XXXX   XXXX  fro m CFS2 called  my employer attempting to locate me and was rude and threatening to the person who answered the phone. When they asked for his name and number, he hatefully replied with his name and told them they could look on the caller ID to get his number. He then proceeded to tell my employer that " I would know what this is about ''. My employer came to me to ask if everything was ok and told me to handle my business. My fellow co-workers now know that I am having financial trouble and have bill   collectors after me.
The nice la  dy that answered the phone also sent me an email that reads : "  XXXX , You received a phone call from a gentleman ( not a nice person at a ll ).       XXXX   XXXX , from  CFS2, te l :  XXXX   CFS2 h elps consumers achieve financial recover This was definitely not a new business call. '' Can you please make sure this company does not harass other people at their jobs?     Thank you,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal lies all the time. PayPal never returned my call. PayPal option " Have us call you '' is not working. PayPal lies and sas " limited employees due to virus '', but upon exhausting all option they state " No '' employees " no '' customer service '' " customer service is closed '' due to vrus.

PayPal Inc. refuses to let me have my {$500.00}. PayPal refuses to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
This is the fourth complaint regarding the same issue : requesting a credit report that was provided to my insurance company on XX/XX/XXXX. TransUnion has only provided me with a copy of the report on XX/XX/XXXX. According to the Fair Credit and Reporting Act, I have the right to request a copy of THIS report that was provided to the insurance company. To date, I have not received this. Please provide me with a copy of the credit report dated XX/XX/XXXX. 

Please see previous complaints with the CFPB : XXXX XXXX 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 2018-03-09
Company: Bread Financial 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: Their investigation did not fix an error on your report

Complaint:
Someone had pulled aunauthorized hard inquiry on XX/XX/2017 and I would like it to be removed and on the XXXX Credit report it shows the contact information is XXXX/XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX And I got a response from them saying that they don't see my record.. 
Please remove my aunthorized hard inquiry..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-18
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Experian show s   XXXX   old accounts ( 4-6  years old ) on my credit report that do not belong to me, along with several credit inquires, I was victim of Identity theft. After I notified Experian of this, they verified the information with  XXXX  and  XXXX   XXXX  then they re-dated the information giving the debts new current Failed to Pay dates, and took points from my  credit score  in both instances as though I had recent activity on these accounts, when all I did was dispute the information. Furthermore they now specifically note that I have recent missed payments which is not true.   In addition on  XXXX   XXXX  I sent Experian a registered letter, which they received on  XXXX   XXXX . This letter contained an official signed report from the FTC with my case number, verifying that I was a victim of identity theft, along with my SS #, a copy of my drivers license, a copy of an insurance statement as verification of my address, a copy of my credit report with information circled, and my complete addresses for past two years. According to the FTC they are supposed to block information within  four  days after receiving my request, which would have been  XXXX   XXXX . They did not block the information. Instead they sent me a letter dated  XXXX   XXXX , telling me to send all the information I have previously sent plus a statement from a law enforcement officer. They were not timely in their response to me, as I just received their letter on  XXXX   XXXX .   I will send the letter from the law enforcement officer to them, however, Experian has taken it upon themselves to further damage my  credit score  by falsely updating my credit report to show new recent FAILED TO PAY dates, when in fact both of these accounts are several years old with no recent activity. Their actions have caused me to have a lower overal l credit score  for a mortgage I am in process of obtaining.

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 2022-04-06
Company: FIRST MERCHANTS CORPORATION
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I had a fraud dispute, where the merchant was still taking money from the account after it was closed, that was denied on XX/XX/2022 with no investigation. First Merchant states in the final determination letter that I have the right to request copies of the documents that was relied on to making they determination. XX/XX/2022, I called in to customer service stating that I need documentation of the decision from the merchant and the first merchant bank. She stated under the tab its usually a document from the merchant or notes supporting why the decision. She said " there's nothing here on my end that I can send you just of what you sent in from the merchant ''. XX/XX/2022, I called back seeing has there been any updates on the account for me to pick the documents up, another customer service rep stated " you will be able to go to the branch and get them print off ''. I arrive to the Plainfield branch where XXXX the bank manger assisted me. He stated " there's nothing he can be able to give me because he doesnt see nothing. '' I have filed a case now with the Indiana Attorney General. First Merchant is stating I have the right to my documents regarding this dispute but there's nothing available. The bank did not do an investigation on dispute like a fraud case is supposed to be done. On first merchant end and the merchant " there has been no communication before the claim was closed ''. First Merchant bank waited till the 9th business day to open the dispute and the 10th business day to close without any investigation. Please send over as soon as possible the documentation from first merchant bank and the merchant.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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:
The report is clearly inaccurate. There are payments after the CO remarks yet only in one credit bureau. Also the dates are reported inconsistently. Please have this deleted. Also several inquiries are pulled without my authorisation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: AMERISAVE MORTGAGE CORPORATION
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
XXXX of XXXX I started a mortgage refinance with XXXX. I was told after the approval process that my rate was going to be XXXX, {$630.00} in closing cost, 30 to 40 days closing timeline and no prepayment penalty for a 30 year fixed rate refinance with cash out. 

This info was based upon an approximate home value of XXXX given by me, XXXX credit score, low XXXX and XXXX. 

XXXX days before closing { XX/XX/XXXX } I received a call from XXXX XXXX, AmeriSave, stating that the home value I initially gave them in XX/XX/XXXX was XXXX and because the appraisal which came back in XX/XX/XXXX came in at XXXX I now have to pay XXXX to XXXX in closing cost and possibly a higher rate. 

Facts : 1. Never said nor would I even think my home value was XXXX. I told them my home was around XXXX 2. Appraisal came in at XXXX 3. Never received or signed a XXXX 4. The loan was supposed to be rate locked and was not. 
6. AmeriSave didn't tell me the " supposed '' home value problem when the appraisal came in XX/XX/XXXX, they told me 5 days before closing. 

I have all screen shots of text and e-mails supporting all the information above. 
I've lost 4 months of savings equaling close to XXXX and now I'm subject to a higher rate. 

I tried to resolve the problem with AmeriSave but they would not agree to the rate and closing cost quoted. 
I emailed the following people from AmeriSave for assistance in solving the problem. I didn't receive a response. 
XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX - XXXX XXXX - XXXX People Involved : XXXX XXXX XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID # XXXX AmeriSave Mortgage Corporation XXXX ID # XXXX XXXX XXXX XXXX, XXXX XXXX & XXXX XXXX TX XXXX XXXX Desk XXXX Fax XXXX Thank you, XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-21
Company: EQUIFAX, 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:
I was made aware of some accounts reporting on my credit that does not belong to me. The reason I found out is that I was trying to buy a new car and when they ran my credit to see if I qualified for the loan, I was told that I did not get approved due to these accounts. None of those accounts are mine nor did I ever allow anyone to open them in my name. I don't know who could have stolen my personal information to open these accounts but I have already filed a police report regarding these unauthorized accounts. I did not benefit anything at all from these accounts nor did I make any transactions or purchases with any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-19
Company: Rocket Mortgage, LLC
State: NE
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The company pulled my credit without my authorization. The inquiry is reflecting on my  XXXX  and  XXXX  Credit report. I have never done business with this bank before nor have I sought any of their products or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-21
Company: CITIBANK, N.A.
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A charge was made by a company making false claims for a product and also added an additional product not purchased. The bank will not honor my dispute and is charging me absurd late fees on balance not paid.

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 monetary relief
Consumer complaint received 2017-04-18
Company: Stellar Recovery, Inc.
State: TX
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:
Account was paid as agreed and was never late.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: Global Lending Services LLC
State: MI
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:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-15
Company: WELLS FARGO & COMPANY
State: MI
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:
I called these companies to complain about them they said it was in error that they will contact the company but they havent

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 2022-05-03
Company: CIG FINANCIAL LLC
State: AL
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:
These companies are ran my credit without my knowledge and made hard inquires on my credit XXXX XXXX XXXX on XXXX XXXXXXXX XXXX XXXX on XXXX XXXX  on XXXX and XXXX 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 2022-05-01
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been filing disputes with the 3 major credit bureaus for months, and receive no answers to my disputes...

Company response to consumer: Closed with explanation