BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-30
Company: EQUIFAX, INC.
State: NV
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 wrote these company in early XXXX about some things I found wrong on my report. I have not heard back from either of them and the law says they should have sent me a response in XXXX  days. It has been almost XXXX  days and I'm an in my right to ask for all the items to be taken off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
i was approved XXXX XXXX starting XX/XX/XXXX for XXXX  months the first check was sent out on the XX/XX/XXXX the second one was on XX/XX/XXXX have called and put in a ticket and a complaint with both sending and receiving companies XXXX and XXXX XXXX  now told to put in a complaint with you if you can assist i would greatly appreciate it

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt was paid by debt consolidation company XXXX. XXXX XXXX reported a XXXX balance to XXXX in XX/XX/2022. This company started sending a bill to an old address and I never received a balance on the account until it showed XXXX days past due on my credit which then alerted me to an issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
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:
There is a paid debt from Portfolio Recovery that i have requested to be removed from my credit reports. I have paid this in full and asked that it be removed from all three bureau reports. Acct # XXXX I have also paid in full a debt from XXXX XXXX and asked that it be removed from all credit reports the acct number for XXXX XXXX  is # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TCF NATIONAL BANK
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I recently sent you a complaint the number is ( XXXX ) on XX/XX/2019. TCF Bank has returned most of fraudulent charges XXXX XXXX XXXX and XXXX overdraft fee. TCF bank did not refund the fraudulent charge of XXXX and the XXXX over draft fee. The transaction number FOR THIS CHARGE was XXXX. ATM DEBIT card used was last 4 digits XXXX. I would like this to be refunded also. checking account # XXXX Thank You XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-13
Company: Navient Solutions, LLC.
State: ID
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Navient is attempting to charge monthly payments on my account even though I am enrolled in school full time. The company claims I have not been verified by my school or the NSLDS. I have checked both sites and I have been given proof of enrollment by them as provided below.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CITIBANK, N.A.
State: MA
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:
I contacted the company, ExxonMobile, to report the fraud with their application number but the operator,  XXXX  ( operator number  XXXX  ), told me that she was not authorized to do anything unless I provided more identifying information to her or to a website or another phone number that she designated .. which I obviously could not do.

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 2015-10-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was trying to make a purchase with my JC Penney master card and was declined. I called the number on the back of my card and the teller told me that the card I had was cancelled and that a new card was sent out in XXXX 2015. I said I never received it or activated a card and she said after a couple of weeks of me not activating a card the company automatically activates it and I need to report it lost or stolen what??? this is putting my identity in jeopardy and I am furious that they would do this, meanwhile I am trying to make a purchase for a car part and I can not I will have to wait 7 days to receive a new card and to get my vehicle fixed. They should be held accountable for any inconvenience this has cause me and if my identity is stolen they should be held responsible for that as well. When you work hard to establish your credit and someone else takes 5 seconds to put it in jeopardy. I had to use {$300.00} dollars of liquid cash that I really should n't had to use if my credit card worked and was not cancelled and then activated by this company and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX of 2019, Macy 's put a late payment on my account. This was an auto bill pay issue and Macy 's recognized this on their end and said they'd get it removed from my credit report. It's been several months since I submitted my complaint, however the late payment has still not been removed. It's been reported by all three major bureau 's and has greatly lowered my 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 2015-12-13
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Rewards

Complaint:
We applied for a Wyndham Rewards Visa Card serviced by Barclays with a promotional offer that we will receive XXXX bonus points when we make the first purchase with the card ( Wyndham would provide these ) and XXXX extra bonus points when we spend {$1000.00} in the first 90 days ( Barclays would provide these ). We made {$1000.00} in purchases in the first 90 days and it has been several months but we still have n't received the XXXX bonus points. 

After calling both Barclays and Wyndham several times ( they would both tell me the other was responsible for the points and they had nothing to do with it! ), finally Barclays agreed that they were responsible for the points. However now they have a new theory that since my account is not in good standing they wo n't give me my bonus points. I have a credit of {$38.00} on my account for several months now ( yes I overpayed and Barclays owes me money! ). 

On probing further they revealed that there was a late payment on the account. In reality the late payment was due to a Barclays error and not mine. I had setup an auto-payment on the account almost a month before the next payment was due and upon completion of the setup the confirmation screen told me to cancel any scheduled payments to avoid a double payment which I did since I did not want a double payment. Fast forward a month Barclays did not process the auto payment on the due date. I noticed it within a couple of days and called Barclays customer service regarding the same. The representative accepted the error on their side and reversed the late payment fees and processed the payment for the account for that statement. 

Because Barclays made that mistake on their end I had to go through the inconvenience of giving them a phone call in the first place. Later citing their mistake as a reason they do n't give me my bonus points ( without any communication! ) and are just using it as an excuse to avoid giving the XXXX bonus points which they are contractually obligated to. 

Moreover on top of the fact that my account is in good standing and the error they have noted was an error on their side, the contract never mentions anything around the account being in good standing or not. It plainly says that after spending {$1000.00} we will get those points. Barclays is plainly trying to give excuses to avoid giving those bonus points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-30
Company: BANK OF THE WEST
State: NV
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX We applied to refinance with Bank of the west, ( our bank for 20 years. ) during the process we paid for a appraiser XXXX  that appraisal was ordered wrong and came in undervalue at XXXX. ( according to the new loan with XXXX the appraiser told me that they requested the wrong type of appraisal and they had appraised the building for 200,000.less than the current value. ) When they received the appraisal they were confident that they would do our refinance anyways since we were great customers according to XXXX XXXX. We met 2 or 3 times during the refinance process in the end they denied us saying some lame excuse that our business wasn't strong enough according to XXXX XXXX. ( Every year we have stayed steady in our income or increased even during the crash XX/XX/XXXX.. ) In fact I think they wanted time to have us follow up with their loan we currently have so they would be sure to have there messed up loan processes under wraps until it matured in XX/XX/XXXX. I wanted to refi my building now because the forecast id for interest rates to go up. XX/XX/XXXX, when moving the loan to XXXX XXXX XXXX XXXX, XXXX XXXX or XXXX XXXX, they were 100 % in and qualified us in minutes. during the opening of escrow it took weeks to get what we needed from Bank of the west, and all the hold up at XXXX XXXX, XXXX XXXX was due to Bank of the west not filing the paperwork properly and muddying the water therefore charging me interest daily to the tune of over 4,000.plus in interest from their negligence. this is my second complaint against this out of control bank of the west, and I feel based on the fact I was immediately qualified by XXXX XXXX and told by all professionals in their field that bank of the west mishandled the appraisal and escrow they are owing my company XXXX. again this company was my bank for 20 plus years and have poor business practices that end up costing the public 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 with explanation
Consumer complaint received 2015-08-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX XXXX keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over XXXX years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing XXXX XXXX XXXX, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I came home last week to find a Synchrony Bank Credit card issues to me for Amazon Prime. I opened the card it had a sticker on no activation requers and it had a XXXX credit line. I never applied or file out an application for this card. Whjne I called Synchrony Bank it said that this card already had a Balance of {$980.00}. I called to find out what happened they informed me that the Sunday XXXX/XXXX/2016 that someone called in and an sked to use the cards to make purchases and they bought XXXX on am, Amazon prime an d had the items shipped to XXXX XXXX XXXX XXXX GA XXXX. I explained that I did n't order these items and i dont know who lives at that address. I called the police they filed an identity theft report case number is XXXX her in macron XXXX XXXX of XXXX ..The person who uses that address is a career criminal with a laundry list of charges outstanding against him have a real problem when I called Synchrony Bank they did n't question the second card since I already had a card issued to me from HHGRegg that was is in good standing they advised me they did n't question the second card being open. They also informed me it was standard practice by Amazon.com to let them give the custom, er the ability to charge on Amazon prior to receiving the card and that they ship the cards already activated no need to activate. I have a real problem with this. Not only have they allowed my identy to be compromised and my personal info to be stolen

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 2015-03-31
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently pulled my credit report and this company has reported that I owe them a debt. I never received a letter from them informing me that I owe the debt. I have never gave this company permission to access my medical records. I was not afforded my rights under the FDCPA section 809a

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: EQUIFAX, INC.
State: TX
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:
Dear Credit Bureau : XXXX  I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information. I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. 
( 1 ). How did you verify these inaccurate accounts?

( 2 ). Did you talk to the court and if you did who did you talk with at the court?

( 3 ). Were you required to pay a fee to obtain the bankruptcy papers?

( 4 ). Can you provide me with the contact number and name of the person you talked to? 
My attorney told me that your company use third party data mining companies to get information from the court? Is that true? If that is the case, then your company is really not doing a true investigation is that correct. If you did not do a real investigation, then according to my attorney that is a violation of the FCRA and the account must be deleted at once. Please remove the account listed below : U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on XX/XX/2017 U.S. Bankruptcy Court Reference Number:XXXX Date Filed Reported on : XX/XX/2017 We are waiting for your response. If there is no deletion, we will move forward with escalating this matter and filing complaints with the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Conn's, Inc.
State: TX
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 checked my credit report and found I had a hard inquiry for home furnishings company " Conn Applian '' ... I have not applied and purchased furniture in 2 years. This a red flag for identify theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a student loan from Navient to pay for my student expenses from XXXX College where I received an XXXX degree in XXXX  and XXXX. I have paid this loan diligently for years. In XX/XX/XXXX I started to make large payments to this loan so that I could finally pay it off. However my loan balance does not reflect this. My XXXX XXXX loan balance was {$57000.00}. I paid a total of {$23000.00} from XXXX XX/XX/XXXX - XXXX XX/XX/XXXX yet loan balance on XX/XX/XXXX was {$41000.00}. I asked Navient why my balance did not reflect my payments and they sent me a confusing response that I did not understand, about prime numbers and fixed variables. On XX/XX/XXXX my loan balance was {$41000.00} and the next day when I checked on XX/XX/XXXX my loan balance was {$41000.00}. Which means my loan balance had increased by {$17.00}. When I queried this, they were vague and confusing, letting me know the percentages of my loan interest, which incidentally did not gel with mine. 
On the XXXX of XX/XX/XXXX and on the XXXX XX/XX/XXXX I noticed I was charged a total of {$51.00} by Navient for something called a Loan Sale. I queried them about this and as usual they gave me a confusing response that I did not understand. However they insisted that my loan was not sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: PENNYMAC LOAN SERVICES, LLC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have become XXXX XXXX. I no longer can pay my mortgage XXXX Penny Mac. 
I have tried two ( 2 ) times to modify and did n't qualify. Penny Mac sent me a letter with foreclosure alternatives on XXXX XXXX. I have tried to call the person in contact to because the letter says to get back with Penny Mac so we can start the process.information of short sale & deed in lieu. I have had so many different names in all the letters. I received 3 wks ago about me wanting to start the process and hopefully it 's not in foreclosure. Received another letter 2 days ago that says the same thing. That it 's in review. I called last week & the lady said it 's in the courts on foreclosure. That is almost 60 days since I have wanted to short sale. My only income is my XXXX check. ( early retirement because I do n't receive any XXXX benefits ). They had me calling a Texas office and the other person would transfer me to voice mails to leave msgs and no one would call me back. XXXX XXXX different names. Now it is XXXX XXXX. I had to call the supervisor to get her to call me. The XXXX & only time was 3 wks ago. She said someone would call to appraise my home & look inside. I received the same letter this past Friday saying the same. I had asked her before if I should get my documents in orders to mail and she said no. To wait for the appraiser. I was told by several people this weekend that said they were told the same from Penny Mac that the home was in review for Short Sale when it actually was in the courts for foreclosure. I have tried everything to keep my home. Single mom with XXXX daughters that I put through college. My life has dramatically changed. I pray that it is not in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-21
Company: JPMORGAN CHASE & CO.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have disputed this unknown account with both the creditor and tge credit bureau and it keeps coming back as verified. I have never had an account with chase, this account does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I am reaching out because I am actively working on my credit. I ordered a copy of all 3 credit reports and read over everything carefully, then on XX/XX/2020 I sent in letters to all 3 bureaus, listing each individual account and account number, and asked them to please verify all of the accounts that are on my reports and if they can not verify them may they please remove them from my report. It has been 30 days and they have not informed me of any proof or verification of the accounts. I then on XX/XX/2020 sent all 3 bureaus a certified 30 day demand to comply letter asking them to please remove the accounts from my credit report since they were not able to verify them. I have not heard anything from XXXX, XXXX, or Transunion, so this is why I am reaching out to you to file a complaint to see if you can get the problem fixed as soon as possible, Thank you.

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 2017-01-03
Company: Midwest Recovery Systems
State: TN
Product: Payday loan
Issue: Can't contact lender

Complaint:
A collection action appeared on my credit bureau file today for Midwest Recoveries for {$760.00} for a 2012 loan that I did not apply for or receive. Today is the first time I have heard of this. The phone number on the file prompted me to call and I spoke with XXXX that said he received it from attorney XXXX

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