BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-18
Company: Experian Information Solutions Inc.
State: FL
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:
I have filed a dispute for an account that has inaccurate missed payments being reported. The account was suspended for alleged suspicious activity that has never been proven or verified. During the investigation period new transactions could not have been made on account as it was frozen. Therefore, the notion of late payments is radical. Furthermore, after my most recent dispute on XX/XX/2020, I noticed the late payments still reflected and that the on-time or good standing period on my account was removed. This is unfair as not only the inaccurate information remains, but the accurate information that truly represents my financial responsibility was removed. The constant inaccuracies show a lack of responsible reporting, which is required by several laws. Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) most notably.

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 2020-01-14
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Synchrony Bank has a Duplicate Account Reporting on my credit report for all 3 Credit Bureaus that needs to be removed. 

Synchrony Bank Account # XXXX I have attached the screenshot which shows the same account number for Synchrony Bank which they say that they sold to XXXX XXXX. XXXX XXXX uses the same account # XXXX as the Synchrony Bank Account which is listed as a duplicate. 

Synchrony Bank is reporting that I have closed my credit card which is negatively impacting my credit. I now have duplicate listings of the same account with XXXX XXXX which is the same account and card. 

I previously filed a CFPB Complaint against Synchrony Bank XXXX in which they said this account did not belong to them and failed to address this issue. 
MY COMPLAINT IS AGAINST SYNCHRONY BANK. MY COMPLAINT IS NOT AGAINST 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 2017-08-27
Company: EQUIFAX, INC.
State: IL
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 have a Hard Inquiry on my Equifax report on XXXX XXXX from XXXX. I believe this is from a XXXX XXXX card I ordered, however I was assured by XXXX that they would only perform a Soft Inquiry. I do not know who XXXX is and the only card I applied for in XXXX was XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have a safe deposit box with the Bank of America, XXXX XXXX XXXX, XXXX  XXXX, XXXX, New Hampshire. 
Banking Center Name : XXXX XXXX, NH Its imperative for me to have access to the inormation kept in the box but upon arrival -and after checking on line that it was open- the bank is closed. I called customer services and I was told that it will take 3 business days for someone to call me and set up an appointment. 

Its totally unacceptable-even in COVID 19 time- that the bank doesnt notify customers that they are closed or provide a telephone number to set up an appointment. 

Thank you for your consideration of this issue. 

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 2020-01-14
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
PayPal transaction ID XXXX. For XXXX  XXXX XXXX XXXX. 

XXXX Ordered XXXX lbs of protein powder on XXXX XX/XX/2019. Vendor did not ship product. When asked for them to reship they said they would. They shipped a 37lb box ( for 7lbs of protein ). Box never  arrived. Vendor refuses to acknowledge emails. 

PayPal was intermediary on payment and processed said payment. 

Parties : PayPal XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: Navient Solutions, LLC.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I have had 6 of my students loans being serviced by Navient and all was well initially - I had 9 other loans that I have been working over the last 10 months with the Dept of Ed in rehabilitation to get them back on track that were transferred to Navient and all of sudden my monthly payments that we worked to arrange ( that I was making a way to actually be able to pay ) have been jacked up and was told my {$270.00} payment I had with the Dept of Ed was going to be raised to over {$1100.00} in a couple months! 
Clearly this puts me back in a defaulted state as its unsustainable. I called them and the rep said no expenses are considered - just family size and income, and I was offered forbearance as the only " other '' workable solution. The very thing that all the news stories are about them pushing people into. So the message is loud and clear - the only way to get a payment you can actually afford is to be in default?! 
I just want to keep making the payments I can afford that I had worked so hard to get arranged. Why is that 'impossible '???

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: Experian Information Solutions 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment so I am filing this for myself and not anyone else. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from 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 non-monetary relief
Consumer complaint received 2017-08-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Citi double cash offered me an interest free balance transfer. 

I used the offer on XXXX XXXX for a balance transfer of {$1900.00}, transfer fee was {$59.00}. 
My purchase for that billing period was {$2300.00}. 
My statement has a balance of {$4300.00} ( including transferred balance and transfer fee ). 

I paid {$2500.00}, which is more than my purchase for the month, and cover some of the transferred balance. 

On XXXX XXXX, I received the new statement, which charged me {$16.00} as " interest on purchase '', even though as I mentioned above, I paid more than my purchase for last billing cycle. 

I called Citi and they said they will credit my interest back. However, They can not tell me where the problem was and why they fraudulently charged interest on the balance from " no interest balance transfer ''.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: KY
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:
Hello, I had an auto loan from XXXX XXXX XXXX. I personally believe that I paid the loan off but they kept adding money towards the end. I finally filed Bankruptcy and they charged it off. However they kept adding money to the chargeoff account as if it were a current open account and they are reporting that I was late several months on my report that should be deleted from my credit reports. I have tried to contact XXXX more than five times and they have not responded to me or the XXXX. I would like to rectify this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: GA
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:
I am having a problem with XXXX  removing the following statement from my account : You have too many delinquent accounts. Delinquent describes something or someone who fails to accomplish that which is required by law, duty, or contractual agreement. XXXX  is claiming that this statement is there because of PennyMac Mortgage Company. However, I have never made a late payment with PennyMac Mortgage Company since my loan was transferred to the company. They claim they investigated this matter and PennyMac claimed that this information was true. The document provided from PennyMac shows my actual payment amount in some places incorrect. All payments through PennyMac Mortgage are made online. Perhaps they are not handling business correctly on their end, but I can pull bank statements, which will refelct that all payments to PennyMac Mortgage have been made on time. There are no delinquent account so the information they are providing doesn't settled any prior disputes. XXXX  continues to find ways of keeping this comment on my credit report but have no proof of any delinquent accounts. If PennyMac Mortgage is reporting incorrect information it concerns me. In looking at the attached document, it has my actual payment incorrect. I pay {$720.00} per month in mortgage fees. My monthly statements may increase because of insurance and prperty taxes sometimes but it will never change if taxes and insurance do not go up. I have no late payments with PennyMac nor any previous mortgage company. My lmortgage has always been paid before the 15 day grace period. My account is not delinquent and never has been. My credit report reflects no late payments with PennyMac Loan Sevices for 4 years, 1mt. Please see attachments. I am sending this to all three credit reporting agencies because I am sure they reflect the same information, which is incorrect information. I will not give up until these statement is removed from my account. I have no ( 0 ) delinquent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07
Company: Navient Solutions, LLC.
State: UT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
This complaint is in regards to the Student Loan Servicing Company NAVIENT This company has overcharged my Student Loan Accounts by {$3100.00} I have written them 3 times to provide a break down of each loan and every dollar charged to my student loans. ( I have XXXX loans ) and each time they just respond with a Total Amount Owed and say it is correct. They tell me if I have any disputes to contact they previous loan servicing company XXXX. I have contacted XXXX and they have provided me with information that I have sent NAVIENT. CLEAR Documentation from XXXX that NAVIENT is overcharging my accounts by {$3100.00} and they tell me to contact NAVIENT. So I have, 3 times, and NAVIENT keeps responding with nothing, no documentation proving or showing me how they came up with the Total due on my accounts, except for sending me a XXXX page letter stating you owe this Amount. I have written them 3 times now clearly stating in CLEAR English the documentation and proof I am requesting of a breakdown of each individual loan, every dollar in interest charge and how they came up their Total Amount Due. XXXX, my previous loan servicer, has been able to provide me with this documentation, but NAVIENT keeps responding with nothing. If I could sue NAVIENT for overcharging customers, violation of consumer protection laws and horrible customer service and treatment of student loan consumers I would. I do not want NAVIENT to be my Student Loan servicing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to Equifax. I have never been late and this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by reporting inaccurate payment history to the credit bureaus. I have never been late so this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights by reporting misleading payment history to Equifax. I have never been late and this account should reflect on-time and closed. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX  XXXX has violated by reporting fraudulent information on my credit report. Im a natural person and Ive never applied for any service through XXXX or its subordinates. This account needs to be removed from my Equifax credit profile immediately. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights by harassment and perjury through mail, email, phone calls and calling my friends. Ive never physically signed any contract binding me to any terms of service, although if I Ill take full responsibility but as the consumer I have the right to request that the original creditor ( XXXX XXXX XXXX ) show evidence in writing within 5 business days of receiving this dispute under FCRA guidelines. 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
Bank of America charged me for withdrawals done at the ATM on my savings account. Despite their deposit agreement and disclosure stating that there is a limit of XXXX but of the XXXX, those done at a staffed teller window or ATM do not count. I had done a total of XXXX, XXXX at an ATM and XXXX online transfers. When I called they said that the XXXX at the ATM used up my XXXX allowed so they had a right to charge me for the remaining XXXX at $ XXXX/transaction. I referred them to their own Deposit Agreement and Disclosure ( page XXXX ) and they agreed with what it said, but stated they still would count towards the XXXX so anything in addition would be fee 'd if done elsewhere. I said I thought this was a violation of Regulation D as I understood it as well as their disclosure be unfair and misleading. 

I have a copy of the chat where they did not even know that their disclosures stated that until I copied it. The call I made was allegedly recorded as well.

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 2017-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have a checking account with Bank of America. The bank overdraft my account by issuing an overdraft fee when my account shows there was money in the account covering the purchase. The phone representatives were very rude and had XXXX excuses why the bank would put a false overdraft fee on my account. It appears they somehow switched the processing of transactions so that they could overdraft my account.

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 2020-08-18
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Please be aware when receiving a pre-qualification email from this company " XXXX '' ( with no hard credit inquiry ) that once you get thru the pre-qualification information, they sneak in hidden language that they will pull a hard credit inquiry against your credit report. They did this to me and caused my FICO credit score to drop by 9 points immediately. Their interest rate/APR was so much higher than the existing loans I wanted to consolidate that I would have never went with this company or agreed to a hard credit pull. Just be leery when filling out their " pre-qualifying '' form or better yet, don't use them at all if you don't want to see your FICO credit score drop drastically. I am posting this to warn other potential users, as I've already tried to dispute with this " XXXX '' and at first they tried to blame it on XXXX XXXX as they were apparently the company who provided " XXXX '' with my personal information. 

I have attached the initial email from " XXXX '' luring me into this, clearly stating that this will not affect your 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 2016-07-11
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Good morning, on XXXX XXXX after attempting for countless months to get a loan modification with XXXX XXXX XXXX I receive a foreclosure notice from XXXX XXXX XXXX giving me less than 20 days to appeal. I file for Chapter XXXX and the rear payment was included, since then I was making the regular Mortgage payment to ( XXXX ) and the past due balance was being made by the Trustee. On XXXX of XXXX ( XXXX ) sold my contract to Carrington mortgage. Upon receipt of the notice I contacted Carrington to start making the payment to them, I was told that I would have to continue sending my payment to XXXX since they have not loaded all the accounts yet into their system. My first payment to Carrington Mortgage was XXXX XXXX and the months after up to XXXX XXXX. On XXXX XXXX XXXX I receive a notice address just to me stated my escrow was in the negative due to insurance and taxes increase, I pay the negative balance in full. I have attempted every day after up to the XXXX and was told that I 'm behind by 5 months that the minimum they can accept is 3 months. I ask them where did they applied the previous payment dated from XXXX XXXX and was told that someone would get back with me. I have waited until the next month when I have tried to pay yet again XXXX and XXXX was told the same story. My Bankruptcy lawyer have also contacted them to provide a payment history since XXXX have yet to get a reply to their notice. As of XXXX of XXXX I have all payments dated back from XXXX of this year waiting to be issue to Carrington. Every day I have XXXX my property to look for any foreclosing notice on my house. Recently we had a storm that had damage my roof and now the roof is leaking right in the middle of my bed when I contacted my home owner insurance was told that I could not file a claim due to my delinquency on my account. My home owner, property insurance is pay with my mortgage via escrow. I have made my last payment to the Trustee last month I 'm afraid that now I 'm no longer cover under Chapter XXXX they might take this opportunity to foreclose on me since the housing market is going up and I 'm no longer upside-down. 
Please help me save my house my Husband XXXX Veteran with XXXX his having more XXXX than usual because he 's afraid that we might be homeless any day. We are not qualify to purchase or renting other property since we just recently got out of bankruptcy. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: LEXISNEXIS
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Hello, I have written to and have called Lexus Nexus and asked them to please remove any information about my bankruptcy XXXX XXXX XXXX XXXX  because I didn't authorize for them to have it and give out my personal information to a third party. They have not responded to me at all. Please remove.

Company response to consumer: Closed with explanation