BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-16
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
JCP  Credit Card abusive tactics : On   XX/XX/XXXX   I purchased several items with the credit card and pay the bill in cash before leaving t o Puerto Rico for  several weeks.     When I returned it was already past due. I tried searching for my receipt and I was unable to find it.     They called from multiple numbers with a per-recording stating that I was going to be recorded. They did not identified them self when I asked. There is a lot of fraud going on with these types of calls so I did not provide information or payment. These calls were at all hours from different  XXXX  numbers or area cods.      JCP c redit ca rd ( Synchrony Bank ) de creased my credit limit from  XXXX  to to the amount I owed plus the over charge fee, in order to hit me with additional charges. So instead of just reporting a late payment, by decreasing my credit limit they charged the highest fee and damage my credit twice.     Instead of {$45.00} dollar credit, I ended up paying aroun d  XXXX  JCP ta  kes  no responsibility and just tells you to call : Synchrony Bank  XXXX   XXXX   XXXX .  XXXX   XXXX   ,  OH  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 2017-01-10
Company: PHH Mortgage Services Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was transferred to PHH Mortgage Services in XXXX. My first payment was due XXXX/XXXX/17 with this new loan servicing company. I have not received ANY paperwork from this company so I went on-line the end of XXXX to sign up for Auto Payments. On XXXX/XXXX/17 I contacted PHH to get my account number ( which is required to enroll ) and was told they could not provide over the phone but would fax me my account number, even though they had no fax number on file ; I provided my fax number. It never arrived and I left town on business. Upon returning on XXXX, I again contacted them and confirmed my fax number ( correcting the associate several times with mistakes she was making when I asked her to repeat the number ) - again, no fax received with my account number ... My most recent attempt was today XXXX and I explained to the customer service person that my fax was an electronic service ( eFax ) which will provide a history that they did or did not send ; she FINALLY faxed my account number which I received before hanging up with them. I was told that the only person that could waive fees was a manager which I was told would call me back in a few minutes. This never happened. Now, with only a couple of days before payment is due, Making my payment by mail will not arrive in time and I can only subscribe to auto pay starting in XXXX so I am being forced to pay a {$7.00} fee for processing my payment. This would not have been necessary if my paperwork was handled properly. It is my strong assertion that this company puts their customers in a situation of paying fees above/beyond what payment is due as a course of doing business. At this point, I am looking for a refund of the {$7.00} service fee that I was charged. Thank you in advance for your time reviewing my issue. 
Regards, 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 2015-07-13
Company: PHH Mortgage Services Corporation
State: AE
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PHH Mortgage has refused to process my application for Loss Mitigation in a timely matter thus allowing the home to go into an 'active foreclosure ' status. Being an XXXX Servicemember XXXX, PHH sends only correspondance via traditional mail then claims I do not reply in a timely manner. It takes 3 weeks for mail to get XXXX. I have given them my email over and over but they only refuse to speak thru official mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am a co-signer on my son 's student loan. When Navient took it over, they forced us into monthly payments that we absolutely can not afford. My husband had a serious accident 2 years ago and is not back to his regular job yet. We are overdrawn every month and are paying huge overdraft fees every month. They used intimidating tactics and we felt that we had no choice but to go along with their payment plan, even tho it 's putting us in a hole deeper and deeper every month!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I owe for a past due utility bill from XXXX. I received a notice XXXX XXXX that I owe {$90.00}. I responded back XXXX XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX3 week period, finally received confirmation that the balance exists. XXXX XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased through Amazon with paying with their Amazon Synchrony bank credit card. a XXXX XXXX XXXX XXXX XXXX '' XXXX with shipping and tax. on XX/XX/2020. 
I returned the item as it was to big and was supposed to be refunded on XX/XX/2020 which I have not received the payment from Amazon on my Amazon Syncronohy bank credit card. I have contacted the Seller and the Seller stated that Amazon has not refunded me the money. {$100.00}. 
I paid off all my purchases I made n XXXX on XX/XX/XXXX which I have paid for this in full already on my Amazon credit card.

Synchrony bank says they are not charging me for the item but I already paid for it.

I have not receive a refund for this item at all. I did make a dispute through Synchrony bank but they tell me it is Amazon problem and Amazon tells me it is the bank problem.

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 2016-08-08
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/16, there was a HARD inquiry listed on my Equifax report indicating that XXXX requested my credit report, HOWEVER, I NEVER applied, or requested any credit or any other product with XXXX. I disputed the inquiry with Equifax and received a response on XXXX/XXXX/2016 indicating the inquiry was factual. I contacted XXXX for details on who/why my credit report was run, and they indicated that they DID NOT run my credit and that they do not have any information showing that XXXX ran my credit. I sent Equifax the letter from XXXX indicating that they did not know the origin of the inquiry and Equifax refuses to remove the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have disputed inaccurate credit inquiries on my credit report with Equifax. Equifax states that they are a statement of fact and can not be deleted. This is a clear violation of the FCRA, as law states the burden of proof rests with the credit reporting agency, not the consumer. I demand the following items be reinvestigated and if no proof exists that they belong to me, i demand they be deleted immediately. 
Equifax Credit report # XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX,, XXXX, XXXX XXXXL XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. If you have additional questions about this item please contact : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX Failure of the CRA to respond in a timely and lawful manner will result in immediate litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
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 several disputes with Experian by mail and online. I have multiple inquiries that I did not make and have asked for them to be removed and Experian has not completed this request. They have sent me the same explanation each time further allowing me to believe my request has not been fully researched on their behalf. I also have a collection agency by the name of  XXXX   XXXX   XXXX  reporting on my report and they should not be. I have not taken courses at  XXXX   XXXX . Experian has told me this information is correct but it is not. The company has not provided an validity to me nor can have provided anything to Experian. This was removed from my   XXXX   report and my   XXXX   because the debt is not able to be validated.

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 2021-12-30
Company: CNG FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
Received a phone call from a locator who asked if they were speaking with me. When I answered yes, they immediately asked for my address. No forms of verification, just wanting my address. When I asked for what, he answered that I had a claim and gave me the number to XXXX XXXX ( XXXX ) and a claim number ( XXXX ). The representative went about trying to use scare tactics to get me to pay a debt that I was unaware of. I have received no credit reports for this debt, I have received no documentation of its past due payments or even any information that it would be sent to a collection/claims agency. Ive been threatened with a fraud charge and jail sentence. The XXXX XXXX  is using harassing and scare tactics in attempts to collect a debt. When asked for documentation, they refused, saying I could call the loan agency and theyll verify that they are now in charge of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Navient has raised my interest rate without consent on various occasions and has not satisfactorily responded to my inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-16
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
We tried opening a business Checking account with Chase Bank, Horrible customer service, Employees have NO formal training, they make the stories, or come up with things as they go along , 1st we tried  at   XXXX   XXXX   branch on  XXXX   XXXX , that gentlemen asked us all the Unrelated documents and refused to open the account  2ndlly  we went to their  XXXX   XXXX  Branch in   XXXX   XXXX  , Texas, on  X/XX/17    @  XXXX ,  XXXX   XXXX  was suppose to be the in charge, for opening the account, We waited  30 minutes  for him to get off the phone, & than our surprise, He refused to get out of his room, aft er 3 trips to  his room, by the girl working there convinced him to come out and speak with us, HE comes out, without looking for any documents, asking any questions, Very Rudely, he begin to start giving us the long lecture & asked us to come back Most Horrible experience we ever had We went acros s the street & ope ned our account with  XXXX   XXXX  our associates and partners have agreed to close our accounts with Chase Bank, and discourage as many people as we can going to Chase Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: PHH Mortgage Services Corporation
State: WA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Hello, I writing regarding an unlawful foreclosure by PHH Mortgage Services in violation of my SCRA rights. 
I am a XXXX XXXX XXXX Vet. I purchased the property in XXXX XXXX in XXXX using a VA home loan and made perfect payments for 5 years in XXXX I XXXX again and while I was away PHH started a foreclosure with no attempt to stay the proceedings until I returned. When I returned in XXXX of XXXX they did not attempt to hold off and allow me to re-modify the loan. This moment in my life made a huge negative impact. I felt I could n't function in " normal society '' I was broke, and signed my self up to go back again feeling I had to go to make a large enough savings account to get my life " back on track '' and since then I have been diagnosed with a VA XXXX rating of XXXX and struggle with XXXX every day. In XXXX I went XXXX my XXXX and be able to function and hold a job. Since then I got a job at XXXX XXXX and in my training I learned more about SCRA rights and realized I was a victim by a company who knew I was XXXX, and played off my lack of knowledge of my rights. 
Please assist me in what information do I need to provide to substantiate what took place and what I can do about it. 
XXXX XXXX, XXXX XXXX. 
XXXX

Company response to consumer: Closed
Consumer complaint received 2017-05-16
Company: Experian Information Solutions Inc.
State: PA
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:
Account was not verifie d or Consent was no t givin prior to reporting under the FDCPA.

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 2017-05-16
Company: EQUIFAX, INC.
State: PA
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:
Account was not verified or  Consent was  not givin prior to reporting under the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen in XXXX, and several debts were incurred in my name. For XXXX of these debts I am still receiving debt collection notices, from different companies. It appears that the debt has been transferred or sold by these companies, despite knowing that the debt was based on identity theft, and not collectible. The account is a credit card that was opened in my name with XXXX XXXX XXXX XXXX, with a balance of {$460.00}. 
I first learned about the account on XXXX XXXX, XXXX by phone call from XXXX XXXX, who worked for XXXX XXXX XXXX, and said she represented XXXX. I faxed her a copy of the police report to fax # XXXX. I also sent a letter to XXXX, with a copy of the police report. 
On XXXX XXXX, XXXX I received a demand letter from XXXX XXXX XXXX, attempting to collect {$540.00} on the same fraudulent account, current owner XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX the same day, with a copy of the police report. 
On XXXX XXXX, XXXX I disputed the account with XXXX. 
On XXXX XXXX, XXXX the account was removed from my XXXX file. 
During the month of XXXX, XXXX, I received phone calls from XXXX with XXXX XXXX in Florida ( at XXXX, or XXXX XXXX ). He told me the current owner was Credit Card Resellers, and the balance was {$450.00}. I do not know why the balance was lower, as I had not made a payment on this account. I emailed XXXXXXXXXXXX the police report, the XXXX letter stating the account was removed from my file, and a reminder not to try to sell my account to someone else. On XXXX XXXX, XXXX I noticed a charge for {$450.00} on my XXXX XXXX business credit card. I spoke with my office manager, who told me someone from XXXX had called the office and demanded payment for a past due debt, upon which she had given them the office credit card number. I contacted XXXX XXXX to reverse the charge, which they did on XXXX XXXX, XXXX. I could not believe XXXX XXXX was trying to collect on this account behind my back, knowing full well it was a fraudulent account. 
Last month I received a demand letter from Dynamic Recovery Solutions referencing the same XXXX account, with a current balance of XXXX, current owner International Collection Services. I am mailing them a cease and desist letter, a copy of the police report, and a copy of the XXXX XXXX, XXXX letter from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-16
Company: EQUIFAX, INC.
State: MN
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 Need to file a complaint on Equifax 8 times I have asked them to investigate credit inquires on my Equifax credit report they have refused to investigate the items listed below. they asked me to contact the companies below I did so and they failed to respond back to me Per the FCRA Equifax has 30 days to investigate if this issue is not resolved by Equifax I will file a lawsuit 
  XXXX   XXXX   XXXX   DATE   XXXX     XXXX   XXXX     XXXX     XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX     XXXX   XXXX   XXXX  
IF YOU ARE UNABLE TO PROVIDE THE INFO THAT I'm asking for please remove these authorize inquires   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   
  XXXX   MN  XXXX 
 XX/XX/XXXX 
Social Security #  XXXX 

Equifax   XXXX   XXXX   XXXX    
Dear Credit Bureau Representative:

	I recently reviewed a copy of my credit report and noticed the following information regarding inquiries to be in error. The Fair Credit Reporting Act states that the only permissible purpose for pulling a persons credit report is (1) a firm offer of credit, (2) insurance, (3) an application for employment, or (4) a court order.

	The following inquiries are not related to one of the allowable purposes, as I have reiterated from The Fair Credit Reporting Act.

1.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Bank of America refuse providing me a information about my mortgage, this is continuation of case # XXXX, I run out space, I have XXXX more Question. 
XXXX. Before the transfer, what was the balance of ending non-interest bearing principle $ 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 2017-05-16
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letterfrom IC Systems on   XXXX     stating that I owed them {$250.00}. I dsputed this debt and send a letter for verification of the alleged debt. I never received a response from them and they inserted a collection account on my credit report on  X/XX/2017

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