BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-27
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had Care Credit Credit Card with Synchrony Bank. On XX/XX/2016 i paid the Balance {$50.00} and I asked to close the account. I kept sending me statements. I called they inform that i have to pay interest and they will waive the late charges. On XX/XX/2016 I paid {$260.00} and close the account. till now I am getting statement with interest and late charges. When I contact them the said it is different account, of which i did not open.

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 2016-01-02
Company: PERL MORTGAGE
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I was trying to get a mortgage for a condo purchase in XXXX XXXX, Florida and dealt with a mortgage broker called Perl in XXXX, Florida. They were rarely there to answer the phone during business hours, failed to return calls, and after saying I did not need a second appraisal on the property, asked for a new one which through their tardiness never got processed in time for an answer on the mortgage application. Their office manager, XXXX XXXX, acted unprofessionally and ineptly throughout the process. I hope others can be spared the experience I had with him and his firm.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Most recently : XX/XX/2013 Misinformation by phone caused me to be taken off the Graduated Extended Payment Plan of which I had 3 more years until full forgiveness and placed on an IBR plan with a payment that was more than double my previous payment. No disclosure of the increase payment or change of plan was provided for me to make a choice. Over a long series of letters, I find that I can not make the payment they require or obtain full time employment to meet the payment so I am being forced into default. I am nearing XXXX years old, have XXXX for 4 months. I have limited income that is not expected to improve, no savings, little equity. I do n't even go to a hair dresser or out to eat at a restaurant. I 've worked most of my life as a XXXX, have a current credit score of XXXX, but they will break every aspect of my ability to make purchases or even get healthy care loans for the rest of my life. I wo n't even be able to XXXX because the XXXX pay into the governmet retiremt systems, and they will garnish my gross amount of my social security check before taxes and medical premiums are deducted. I have tons of evidence of their lies and misrepresentations and would gladly share those with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I need some assistance in having Fedloan process my most recent IDR request form that was submitted on or about   XXXX   XXXX   XXXX   , via fax.  I have made numerous phone calls regarding this and have been consistently told that either the form was being processed or that it could not be processed. In the meanwhile, I did not make an  XXXX  payment because I do not have the new amount and was advised by Fedloan to NOT make an  XXXX  payment ( and to wait for the form to be processed ) because I am not at risk of negative reporting. I am concerned because I had a similar situation late last year and my account did in fact suffer negative reporting.     Se e Fedloan letter date d  XXXX / XXXX / XXXX  wherein I was told that I needed to make three on-time payments under my current IDR plan before a IDR for a lower payment could be processed.    See Fedloan  bill dated  XXXX / XXXX / XXXX  that shows the  XXXX  payment due of {$700.00} which was the current IDR payment.   See my  XXXX  -  XXXX   XXXX  payment history which shows that I made three consecutive payments in the IDR amount and on time.   Fedloan required me to re-submit IDR request because pay stub had expired. I sent in new request on or about    XXXX   XXXX   XXXX   as  stated above - via fax.   See  Fedloan letter  dated  XXXX / XXXX / XXXX  wherein I am again told that my request was denied because I needed to make three consecutive on-time payments on the current IDR. This obligation has been fulfilled pursuant to the  XXXX  payment history submitted.   I have had numerous telephone conversations with Fedloan to explain that I had fulfilled this obligation and attempted to determine a new payment. I spoke with a representative last week who advised that my IDR form was still under review but offered that my estimated new payment when approved would be {$280.00}.   On Monday of this week (  XXXX  ) I called  Fedloan  and requested to speak with a supervisor to demand a new payment because I was past the payment due date. I spoke with  XXXX  who explained in layman terms that my account ha d a road b lock that he needed to move to clear the way for my IDR to be processed.   See  Fedloan letter d ated  XXXX / XXXX / XXXX  where again, they are denying my IDR request until I make three consecutive on-time payments on current IDR. I HAVE DONE THAT!!!   When I accessed my Fedloan account online today I noticed that the payment amount had changed from {$700.00} to {$630.00} ( See screenshot ) I have no idea how, why, or when this odd payment amount was attached to my account.     Clearly  Fedloan  has me going in circles and as a result the good standing of my account and ability to manage it is greatly compromised. I simply need to know what my new payment is and when I can begin to make the new payment. Given the circumstances, I should not be penalized in any way. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: Experian Information Solutions Inc.
State: NJ
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 noticed an account on my credit that I do not recognize

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 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015 a cease and desist demand was sent ( certified mail with return receipt XXXX XXXX XXXX XXXX XXXX ) to Capital One in reference to consumers account ( s ) ending in XXXX & XXXX. Consumer specified consumers wish to have the accounts closed and noted as 'Accounts closed by consumer ' on consumers credit report. Consumer warned Capital One that consumer would check on consumers report within thirty ( 30 ) days from the date of notice to make sure Capital One had honored consumers request. Consumer received letters from Capital One dated XXXX XXXX, 2015 stating Capital One had applied a 'Cease & Desist ' to the account ( s ) which meant they would no longer contact consumer and stated that the cease & desist does not impact any payment plans, arrangements previously arranged with Capital One which leads the consumer to believe the account ( s ) have not been closed and noted as requested by consumer. Consumer requested knowledge that the accounts reflect closed by consumer under the Fair Credit Reporting Act ( " FCRA '' ) 15. U.S.C. Sections 1681u - 1681v. Consumer informed ( and warned ) Capital One that if they did not comply consumer would file a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and ask complaint be forwarded to governing entities. A copy of the cease & desist document is attached to this complaint as proof positive request to Capital One and warning of consumer 's intent if Capital One did not honor consumers request under the Fair Credit Reporting Act ( " FCRA '' ). At this time Capital One is in violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681u ( " FCRA '' ) by misuse and misreporting the credit information provided by the consumer. Capital One furnishes information to consumer reporting agencies and is subject to Section 623 of the FCRA 15 U.S.C. Section 1681 s-2 which imposes a series of duties and prohibitions upon any person or entity that furnishes information to a consumer reporting agency. Reporting accounts as active when voluntarily closed by consumer and misstating the balance due is a violation of the FCRA. Consumer has the right to request consumer 's account reflect consumers wish to close the account by consumer on credit report. Capital One was told ( in writing ) that consumer intended to file a federal lawsuit if ANY negative information is placed on consumers credit report other than 'Account closed by Consumer '.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I received a new credit card from Capital One ( a {$49.00} security deposit was made to obtain the card. ) My mother assisted me in applying for the card ( to establish a credit history ) as I am XXXX and I am unable to XXXX on certain banking information, my state ID and social security card. I used the card one time, and unfortunately, misplaced the card. I attempted to obtain a new card, but Capital One misspelled my email address and I could not access my account online nor could I receive any communication from Capital One. I attempted to remedy this and called several times and they refused to make the corrections. Meanwhile, I had a payment due on XX/XX/2017 ( I think as they would not tell me ), for the {$20.00} something charge on my account. On XX/XX/2017, I sent all of the identification information they now required ( for some reason. ) Also, on XX/XX/2017, I called Capital One and attempted to pay the balance on my account and they stated the balance was {$40.00} something dollars and refused to tell me what the additional charges were for. During the same call, after several frustrating minutes in which they refused to provide information regarding my account, my mother authorized payment in full using her checking account ( she provided the routing number and account number. ) Capital One refused to take the payment. I opened this account to establish a credit history and due to Capital One my credit will be ruined.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-31
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a business checking account with Chase. When I went in to sign the paperwork and open the account, I emailed my banker a coupon for a {$300.00} sign-up bonus. The banker never enrolled me and despite numerous phone calls, online secure messages and emails, Chase is refusing to take any action to rectify their own mistake. I met the terms of the bonus and am entitled to the terms advertised. The only reason I picked Chase to open my business account was because of the offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've contacted this company numerous times over four years and they still have not verified any information with me. I discovered them on my credit reports when trying to move into an apartment. They have XXXX accounts posted to my credit reports XXXX XXXX and XXXX. Accounts are # XXXX for {$810.00} # XXXX for {$1000.00} # XXXX for {$550.00} and # XXXX for {$1300.00}. After researching this company on my own. I have noticed this company has been sued multiply times for manipulating and compromising information on consumers credit reports. Noticing that also the Consumer Financial Protection Bureau has taken action against portfolios recovery 's Deceptive Tactics to Collect Bad Debts. Portfolio recovery is very sneaky and are very manipulative over phone calls. This has to stop, They will not return emails, Ive contacted them to resolve the issue and they are to multiplicative for me to handle!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On XXXX/XXXX/XXXX XXXX the account was transfer/Sold to XXXX. XXXX XXXX tried for a year to collect on a Debt I was in disagreement about the amount. XXXX XXXX was not able to come up with documentation on how I owed XXXX. I was told by FTC that they must produce documentation on this debt I owe. I call XXXX and they was not able to give information on debt. The XXXX creditors took this debt off my credit report. On XXXX/XXXX/XXXX a default judgment was place against me and on XXXX/XXXX/XXXX I went to court about Midland Funding LLC garnish my bank account. The judge place a judgment against XXXX XXXX for the debt and to immediately release all withheld funds to plaintiff and shall continue withholding and payment of funds as previously order by the court. On XXXX Credit report the XXXX the date it was open was on XXXX/XXXX/XXXX, date of last payment was supposedly been XXXX, the last payment was XXXX, I had a credit limited of XXXX my argument with the XXXX creditors was how could I charge XXXX in 7 months. XXXX was not able to produce any information so the credit companies took it off my file. Midland Funding buys the debt from XXXX XXXX. Midland Funding files a Summon and Complaint against me on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX the summons expires. I find out about this lawsuit on XXXX and was not able to go present my side because I was not properly served by the officer of the court. I went in and put in a motion to set aside the default judgment and the judge denied giving me another court date. I done my research and Midland Funding LLC is the subsidiaries of Encore Capital Group , Inc. who was sued for fraudulent behavior and my intuitive spirit keep telling me the paper work Midland Funding LLC paper work that was given to me is not correct because the target account number is blot out with a black marker and the Midland Credit Management Number is blot out with a black marker and that seem unprofessional and suspicious to me. And the affidavit do n't state how they came up with the amount I owe on this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
AFTER REVIEWING MY CREDIT REPORT I DISCOVERED A FEW INACCURATE ACCOUNTS ON MY FILE. THE DISPUTED ACCOUNTS DOES NOT BELONG TO ME, THOSE ACCOUNTS WERE INACCURATELY PLACED ON MY CREDIT, PLEASE CONDUCT AN INVESTIGATION FOR THOSE DEROGATORY MARKS FOR THEY HAVE CAUSED SERIOUS DAMAGE ON MY CREDIT.

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 2021-08-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I HAVE WRONG NAMES AND ADDRESSES THAT NEED TO BE CORRECTED SEE LETTER ATTACHED FOR THE DETAILS

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: AR
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: Problem with personal statement of dispute

Complaint:
XX/XX/2017     Fair Collections and Out    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , MD.  XXXX  To Whom It  May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some  contractual obligation to pay you.   Please also be aware that any negative mark found on my credit reports ( including  XXXX ,   XXXX   and   XXXX    ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.   Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for :   1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau

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 2021-08-01
Company: EQUIFAX, INC.
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: Personal information incorrect

Complaint:
I XXXX XXXX want all my personal information deleted that's not on my documents added.

Explanation : I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no irrefutable evidence, proof that I in fact was the one seeking to obtain a line of credit and the creditor had a permissible purpose to in fact and legally obtain my credit file information after a positive identity verification, immediately of any or one, I would like it removed immediately.

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
XXXX XXXX XXXX - Made XXXX SEPA transfers to Coinbase for euros through my XXXX XXXX XXXX Account. Amounts were XXXX XXXX & XXXX XXXX. Transfers quoted appropriate references. 

I received automated response on XXXX XXXX saying XXXX is being reversed as accounts do not match. They do and I sent email, email service did not work and advised to send complaint through their support. I did this and issued case number XXXX # : XXXX. I did the same for the other transfer upon receiving a similar advice of reversal. 

Some emails exchange and issue escalated with Coinbase but still no news and no response to tweets and direct DM messaging service on XXXX. 

Coinbase have gone silent and no monies received back at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Capital One is showing that my auto loan is delinquent when I have payment proof that I 've sent them but to no avail & this is being reported to all XXXX Bureaus but specifically XXXX as I 've written them a letter as well as called them but again to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a call from a XXXX XXXX XXXX today stating that he was going to sure me unless I paid an account for an HSBC account. I informed him tat this account as included in a bankruptcy and requested that he quit calling me. He stated that he would not only call me but initiate legal action as well. Im recovering from XXXX and really cant handle these calls. He was very rude and refused to write down the case number or my attorneys contact information. He called my husband yesterday as well and threatened him too for my debt!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
There are XXXX inquires onmy credit report and I didnt authorize some of them, try to get it remove from Transunion credit report but they give me a very hard time, I been trying to get this issue resolved for almost 6 months

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