BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-26
Company: Early Warning Services, LLC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
My account is related to an old case number : XXXX was turned over to EARLY WARNING and I was wrongfully accused and did have money in my account. 
Please have early warning clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: REGIONS FINANCIAL CORPORATION
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
it is impossible to contact my credit card. They provided an international phone number after I placed a claim here : it 's a fact, but that automatic voice service requires a social security number/ tax ID number/ telephone pin number. As a XXXX non resident XXXX, I do n't have a Social Security nr. I was never ever informed by the bank any telephone pin, I just have the regular pin that I use. I 'm trying to buy a wheel for my car, and it 's just impossible because I ca n't access Regions Bank Visa and they have n't authorized the purchase.

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 2021-09-16
Company: SYNCHRONY FINANCIAL
State: WA
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:
On XX/XX/2021 I tried to use pal pal credit to purchase an item from XXXX. When I tried to use pay pal to purchase the XXXX app froze and would not complete the purchase. I got ahold of a pay pal customer service rep to rectify the problem they said there was nothing they could do to complete the purchase and instead directed me to XXXX site representatives. I did contact XXXX however, they offered no solution to the transaction not processing and directed me back to pay pal. Over a period spanning the next week I spent no less than 20 hours trying to get the problem fixed. I never received the item and to this day the item shows it is still processing. I have included a complete XXXX statement which shows my purchase history and explanation to the company, XXXX Synchrony Bank ) who has determined that I am labial for the incomplete transaction. I have included my transaction history with this complaint, ( and as I did to Synchrony Bank ) and am asking that this false credit reporting be investigated. I have also talked with XXXX at XXXX several days ago who said they would " look into it ''. I should not be held liable for a faulty transaction. I received nothing as their payment would not process.

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 2020-01-19
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
My card citibank Mastercard was used fraudulently in XXXX. I disputed the charge three times with citibank providing documentation and proof that I was not in XXXX, nor I took the tour that was charged on my card. Citibank provided some documentation from vendor for somebody else. I answered asking them to at least read the charge that it was for another person. Citibank uses this fraudulent practice to send a letter back with no explanation, just that after their investigation the claim was denied. Their fraudulent practice is to get you tired until you might forget. 
I have talked to customer service and even have chats with customer service assuring me they will credit the fraudulent charge, then a month later I see the charge back on my credit card.

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 2017-10-12
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I purchased products at an XXXX XXXX outlet in XXXX, NH in XXXX XXXX and was offered a discount if I signed up for a credit card and I agreed and was issued a paper credit card. 

I received my bill at the end of XXXX XXXX and paid it the first week of XXXX XXXX. I then received a notice that they received my payment but it was 10 days late so I incurred a XXXX dollar late fee. I called and asked for a XXXX time only forgiveness because it was my first use of the credit card. 

I was denied so I cancelled the account and never used it again. 

The next month I received a bill for XXXX dollars then for XXXX dollars. 

I have called Comenity Bank but they have refused to forgive my late fees and today I owe XXXX dollars. 

They have agreed to stop adding to my bill as of XXXX, XXXX, but stand by the XXXX dollar fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-16
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
CREDIT CORP SOLUTIONS INC has received several disputes from me in the mail, and they have failed to validate the account in any way. They have also continued to report a disputed debt. They are in violation of both the FDCPA and FCRA and I am trusting you to handle this case with extreme prejudice!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am currently enrolled in a XXXX program and unable to pay my student loans, I have called Navient everyday for a week and most days 3 times. I have verified that my school has submitted my name to the XXXX XXXX XXXX and Navient is unable to find my information there to confirm that I am enrolled full time. I called today and pleaded with the representative at Navient to look in the system or transfer me to a supervisor that may be better equipped to assist me. Instead I was spoken to in a rude condescending manner. I had to apologize to the representative for bothering her. I do understand that Navient is trying to do all they can to get a payment for their loans. 
I do not think it is fair for these loan companies to belittle their customers by screaming at them or ridiculing the distressing financial situations of their customers. This behavior is similar to " bill collecting '' and not assisting customers. 
My school official has submitted my enrollment to XXXX XXXX every 3 months since I started my graduate program in XX/XX/XXXX. The Navient representatives are claiming that the last record of my full time enrollment in the National Clearinghouse records is XX/XX/XXXX. This information is grossly inaccurate as I am currently registered in a 3 year full time XXXX and received my loan disbursement a month and a half ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: STERLING BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
During the Covid-19 pandemic I filed for a forbearance with Sterling National Bank for the months of XXXX, XXXX and XXXX of 2020 and it was accepted. Beginning in XXXX of 2020 I resumed my monthly payments to Sterling with the understanding the unpaid amounts would be attached to the end of the loan. That did not happen and I subsequently started a mortgage refinance with another lender, who will not complete the refinance without a letter from Sterling stating I am no longer in forbearance and have been making regular payments from XX/XX/2020 to the present time. Sterling Bank will not process thais letter in a timely manner and claim they need 3-6 months to satisfy the request. Sterling Bank has also prevented me from accessing my payment history, claiming I am still in forbearance and therefore do not have access to my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 'm writing to complaint about my capital One Essential checking account ending # XXXX. Capital One offered me this promotion " open an Essential checking account and after XXXX mobile deposits, your account will receive a bonus credit of {$200.00} '' XX/XX/XXXX, I walked in Capital One branch located at XXXX XXXX and XXXX XXXX in XXXX on XXXX/XXXX/16 and Capital One reps confirmed this offer and opened the Essential checking account for me right on spot, I immediately deposited XXXX checks via Capital smartphone app, and Capital One reps confirmed I 'm already qualified for this bonus offer of {$200.00} - they told me there was nothing else I needed to do, I just need to wait for this credit to show up on my statement. 

I waited until XXXX/XXXX/16, no credit, I emailed capital One, no response. I waited until today XXXX/XXXX/16, still this bonus deposit was nowhere to be seen, thus I have to file this complain, as I feel Capital One stated the credit is automatic within 6 weeks, and 6 weeks had already passed. They only cared for customers when new customer walked in branch to open account, once we becomes customer, they no longer answers email requests, and totally ignores existing customers ' concern.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-31
Company: AFNI INC.
State: GA
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:
The debt for internet service that was settled and paid over 6 months ago is still listed on my credit report as a collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AFNI. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AFNI in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: EQUIFAX, INC.
State: PA
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:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: American Credit Resolution, Incorporated
State: CA
Product: Payday loan
Issue: Can't contact lender

Complaint:
Between XXXX and XXXX I received three calls from an unavailable number ( one call being before XXXX ). He stated his name was XXXX XXXX, a legal courier. He did not mention the name of his office, but stated he would be serving me papers either at my residence or place of business on XXXX. I was advised to call XXXX re : claim # XXXX. 

When I called the number I was told that because of an outstanding payday loan to XXXX I was to be charged with " bank fraud ''. But the attorney would be willing to settle my case for XXXX split into 2 payments. 

I was nervous and not yet done my due diligence so I provided a debit card and sent the approval forms. However after doing so I realized that this was not legal nor did it make sense. I took out a payday loan w/ XXXX, but thought it was repaid. And have received zero communication. Plus the loan amount was {$250.00} with a fee of {$45.00}. 

I called back and left numerous messages that they a ) needed to provide details to the account and b ) could not take the money from me and c ) if they did I would dispute to my bank. Additionally I emailed regarding the same. The three times I called were during their noted business hours and my call was redirected into an unknown voicemail each time. 

I will be disputing the charges to my bank today as they did withdraw the money.

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
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I closed a XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX, NV XXXX ) credit card account with a {$0.00} balance in XXXX of XXXX. When doing so XXXX XXXX held the account open charging an {$8.00} fee every month AFTER the card was closed. They acknowledged the error and said they would report it to the credit agencies showing a {$0.00} balance with NO LATE PAYMENTS in which they have failed to do. This account was closed with a {$0.00} balance and was never late. I don't have one late payment on any one of my 7 credit cards and would not of let one be for {$8.00}.

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 2016-07-27
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
AFNI , INC Has submitted a collection that is not mine. I have never used " XXXX '' and I do not owe XXXX or AFNI, INC. any debit. I have had NO communication with either of these companies by phone or by email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my mortgage was sold about 4 years ago lost count of how many times my mortgage was transferred the last one. we had a problem when sandy hurricane got to new york. we had no electricity or place to stay or work for 4 months at that time. the mortgage was not paid the company sens us payment schedule .start from the XXXX of that month. 
we paid the behind sum in 4 months. 
the problem was that they insist on paying the mortgage on the XXXX XXXX and it was impossible the mortgage was sold to shell point, we explained the situation .they had non of it during the last 2 years we accumulate penalty on the payment again we paid the mortgage on time never late just at the end that month after the corona time we had to pay 10 payment in 1 shot or sell the house .they did not want to help, so we did we paid it XXXX $ they want our flash with the penalty that we have no intention to pay please help us. we leave here 35 years we over XXXX years old thanks XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Bread Financial Holdings, Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone opened a fraudulent account under my name without my authorization and made charges. As a result, my credit score has decreased substantially and I now have derogatory marks on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Ditech Financial LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our previous lender, XXXX XXXX XXXX added late fees and miscellaneous fees. We tried to correct them with the lender with no help. Then, XXXX was bought by Ditech and our last payment to XXXX of {$5000.00} was not recorded. Our bank statement reflects the payment, but no accounting by XXXX who transferred the accout to Ditech as " late '' even though we had paid. Now Ditech is refusing to acknowledge the discrepency and continuing to add " late fees '' on an account that was paid up. We have been making monlthy payments to Ditech and are still getting late fees and no response the several attempts in writing to clear up the matter. I can provide the letter I have faxed to them three times. I have called and called and called Ditech. I get forwarded to a voicemail everytime and no one calls us back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: MidAmerica Mortgage Inc
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I have had hardship with making payments on XXXX XXXX XXXX XXXX, XXXX, Texas XXXX due to Loss of income/Employment from Covid-19 and expenses have increase. I am seeking a request for mortgage assistance in resolving this property debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been contacting my lender, specifically XXXX and left dozens of messages without a single callback or communication from them for over a month. 

I have offers on the house, and am trying to get them to work with me on a short sale.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: ECMC GROUP, INC.
State: ND
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I obtained a credit report and noticed negative information being reported by Educational Credit Management Corporation ( ECMC ). Not recognizing the alleged debt, I attempted to dispute the debt with ECMC. The dispute was returned as un-deliverable. I obtained credit reports from XXXX different CRA 's, both with negative, unrecognized information. XXXX different CRA 's reporting from ECMC provided XXXX different address for ECMC. I sent a dispute to both other address. Copies are attached, with USPS certified mail confirmations. 

I filed a complaint with the CFPB about the mis-representations of ECMC in my credit reports. ECMC replied with an alleged loan summary for an entirely different individual. ECMC also replied to my mail disputes by providing a simple spreadsheet printout. Evidently this simple spreadsheet confirms a debt. Evidently, according to ECMC, all that is needed to collect a debt is a spreadsheet with a couple columns. 

I do not have any documented evidence supporting ECMC 's negative reports and/or debt collection activities. ECMC has not supplied any verified documentation supporting their reporting. I filed bankruptcy four years ago and still have debt collector vultures harassing me. The alleged debt might have been paid in full. The alleged debt might not be mine. The alleged debt might have been discharged in bankruptcy. Despite all this, ECMC continues to report negative information in my credit reports.

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 2021-09-16
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: Account status incorrect

Complaint:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX Date of inquiry XX/XX/2021 XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Central Portfolio Control Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation