BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-01
Company: CITIBANK, N.A.
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: Account status incorrect

Complaint:
Macys account never late

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: EQUIFAX, INC.
State: NC
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:
The attached account reporting on my credit profile is incomplete. Per the FCRA, only accurate and complete verifiable information can be reported. The attached account is in violation of the FCRA and must be deleted immediately. I have written to Equifax on XX/XX/22, XX/XX/22, and XX/XX/22 with no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
i contacted XXXX on XX/XX/2017 about my account showing {$80000.00} were as just last month balance was {$79000.00}. There customer services rep said it was XXXX is what he see. my question to him was why on all XXXX credit report it showing the XXXX. He gave me a fax number which i fax to XXXX and they still refused to correct. the real question is who at XXXX trying to subitise my credit. this XXXX is more then what i started with after my modification. in the last 18 month never miss a payment and the payment goes up. please make them correct because its over my limit i started with and having a affect on 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 2017-03-06
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have been trying to reach out to XXXX to understand why they are reporting that I still have a balance. I 've sent multiple certified letters to them at the address listed on my credit reports, and the certified letters keep coming back to me as undeliverable. Yet when I request validation of this account and balance from the credit bureaus, my account is being updated as validated by XXXX. I 'm not receiving any documentation or validation, yet when the credit bureaus reach out to them, by credit report loses points because XXXX somehow validates this account and begins to report it again. I have verified several times that my certified letters are going to the same address that is listed on my credit reports and there is no phone number listed for them. This is absolutely ridiculous and really hindering me from obtaining certain credit lines.

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 2016-12-16
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 is not mine

Complaint:
Account appeared on my credit reports. I disputed it, it was removed and company added the account back to my credit and continue to make attempts to collect

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian continues to report inaccurate information on my credit file after multiple attempts to have them correct the inaccuracies. I have sent Experian via certified mail multiple disputes along with supporting documentation for the items that i am disputing. Furthermore Experian has sent me a letter stating they are unable to use the documentation i provided ( Letter from sprint proving a collection account should be removed as it was result of identity theft ) and they keep prolonging the process. They also have violated multiple consumer protection laws by stating that they verified the accounts when in reality all they did was parrot information given to them from other sources and then they advise me to contact the original creditor, shifting the burden back on me which is a violation of 1681 ( a ) ( XXXX ). Experian has ignored multiple requests in my disputes as i have asked for the documents that they reviewed in order to conclude their investigation. The fact they continue to ignore this request is proof that they did not verify any of the disputed accounts like they claim they did. Under Section 611 ( 5 ) ( A ) of the FCRA Experian is required to " ... promptly DELETE all information which can not be verified. '' It is my understanding that the FCRA allows me to dispute items that are inaccurate, untimely, misleading, biased, incomplete or unverified. CFPB, i seek your assistance with this as Experian seems to be consistently taking advantage of consumers.

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 2015-09-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had a CD at the Bank of America in XXXX XXXX, NV along with a savings and a checking account and a safe deposit box. The CD was due in XX/XX/XXXX but I needed the cash for personal reasons. On XX/XX/XXXX when I requested closing the CD, withdrawing the money ( paying the small penalty involved ), the woman bank official talked me into taking only what I actually needed and leave the remaining sum to maturity. She did not tell me I would have to pay a bank fee because the amount required to retain the accounts had dropped below their required minimum. I found out by going on line to view my accounts on XX/XX/XXXX the bank had deducted {$25.00} from my checking account. I went to the bank immediately, very upset they stole this money from me. The woman said those were the rules and no one at that branch could reverse the fee charge. I said they had every obligation to inform me of my options plus chances of fees being taken from my account when I requested to cancel the CD. So, instead of doing what I wanted to do which was withdraw the total amount, pay the necessary penalties and close the other accounts on XX/XX/XXXX, she convinced me to only take what I needed, kept me as a bank client and was able to charge me a {$25.00} fee with no notice this was going to happen to me. I feel this method she used is illegal and that {$25.00} was stolen from me. The bank has no right to take this money without informing me of my rights. I request Bank of America reimburse the {$25.00} to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-22
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Rewards

Complaint:
XXXX XXXX closed my XXXX American Express Card for no apparent reason. I use it mostly at grocery stores and XXXX. I pay it in full about every 2 weeks. I have never had a late payment. On XXXX XXXX, I finally reached the XXXX level of XXXX rewards that I was working toward ( because they double in value at this point ), and that is the date they shut the account down and removed all the reward points. They can give me no reason except my " history of account usage. '' I have gone over the account with a fine-toothed comb and can find nothing. I worked to earn those points and abided by their cardmember agreements. The points are worth {$400.00} ( XXXX statement of benefits : Receive a {$400.00} statement credit on eligible XXXX purchases by redeeming XXXX XXXX Points ). It feels like they simply did n't want to honor the rewards I earned. And they do n't even have to give me a reason? Surely there is something that can be done. A statement credit for the {$400.00}? This is n't right. Thank you for any help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested debt validation through CRA on three occasions and have not received what I requested from XXXX. FCRA states debt verification is Validation requires presentment of the account history and general ledger/statements and a copy of each agreement/contract signed and dated by the parties ( collectors and CRA ) responsible for maintaining the complete account history. Specific cases that set the precedent are listed below. 
1. XXXX, 62 Haw. 334, 614 P.2d 936 ( XX/XX/XXXX ) 2. GE Capital Hawaii , Inc. v. Yonenaka 25 P.3d 807, 96 Hawaii 32, ( Hawaii App XX/XX/XXXX ) 3. XXXX v. XXXX 28 Conn. L. Rptr. 371, ( Conn. Super.XX/XX/XXXX ), and Town of XXXX v. XXXX. 513 A.2d 1218, 201 Conn.1 ( XX/XX/XXXX ). and XXXX v. XXXX, 163 Ill. App. 3d 845, 114 Ill. XX/XX/XXXX, 516 N. E.2d 1045 ( 3Dist. XX/XX/XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: FCI Lender Services Inc.
State: TN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Hello CFPB, I would like to bring to your attention an injustice matter that I have encountered concerning my home of 33 years with different mortgage companies. I 'd worked for XXXX in XXXX, XXXX for approximately 15 years. Due to an on the job injury, I began having problems with my legs and was placed on light duty for a number of years before I was forced to quit, in XXXX XXXX, due to unable to completely perform the job task, per new management. During the next couple of months I received unemployment, but really struggled to pay my bills and got extremely behind. Fortunately, I was approved for XXXX and Social Security and began to receive fixed monthly payments in the total of {$1000.00}. This has been my only source of income since XXXX XXXX. 
I was paying mortgage on my home with mortgage company, XXXX XXXX XXXX XXXX, loan # XXXX and my payments were {$250.00} per month. Then, a new mortgage company by the name of FCI Lenders Services Inc. took over my payments. They claimed that they could n't find any of my payments to the previous company and that I had n't made payments from XXXX to XXXX. I explained to them that were absurd and there 's no way I would still be in my home if that accusation was true. Finally, after several complaints from me and extensive research, they found my payments, but refused to give me credit for them and wanted me to now pay {$650.00} per month. I sent in a letter of request for them to lower my payments, but they denied the request. FCI Lenders Services Inc. gave me a forbearance agreement to pay {$650.00} per month from XXXX XXXX to XXXX XXXX. I was unable to keep the agreement due to being XXXX for XXXX, XXXX XXXX XXXX, and XXXX problems for about a week. I had to pay for my medication and see different specialist 3 times a week upon being discharged from the hospital. Since then, my loan has been turned over to a new company by the name XXXX XXXX XXXX, my file loan number is XXXX. On XXXX XXXX, XXXX, they are planning to foreclose on my home of 33 years. They told me in order to keep it I will have to pay {$120000.00} due to back pay. The home is only worth {$13000.00} and the homes in the area are valued from {$30000.00} to {$40000.00}. Please investigate this matter so I wo n't lose my home. Any help of this matter will be greatly appreciated. I 've listed the addresses and phone numbers of the mortgage companies listed above. Thanks! 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ext. XXXX XXXX XXXX XXXX XXXX XXXX. 
P.O. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX fax

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Provider bought mortgage and paid for lender placed insurance that was in place and coverage until XXXX/XXXX/17. continued to charge me the escrow amount. then claimed no insurance and place another policy charging me an outrageous fee and doubling my mortgage payment. when i was made aware of the problem and provided an active policy they stated it was not valid and refused to accept it. i obtained outside insurance and they credited only part of the lender placed refund with no explanation on the amounts. i have tried to get this resolved with no results.

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 2017-02-23
Company: AES/PHEAA
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I am unable to afford the payments for MyFedLoans as I do not make enough money to afford it. I have tried to apply for forbearance and deferment and I keep getting the response that I am ineligible. My payments are not feasible to keep my student loans current.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen keeps paying my property taxes and then raise my mortgage payments, my city taxes were due by XX/XX/2017 then there is a late fee throughout the year added well Ocwen decided to pay them by the end of XX/XX/XXXX and raise my mortgage to XXXX now

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: Navient Solutions, LLC.
State: MA
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 have had a student loan with XXXX XXXX ( now Navient ) for about 10 years now and recently have been reading about a lawsuit out against them. I realized this applied to me in many ways. Over the years I have called Navient explaining how it has been an issue paying their monthly charge, and they never did anything to try and solve the problem. Even when I came back to them explaining their own solutions on their website about income based repayment options and just interest payments, they claimed that was not an option for me. At one point they told me my best and only option was to go into forebearance, and being XXXX XXXX XXXX XXXX XXXX me, I did it, adding XXXX dollars to the principle of my loan. This all could have been avoided if they just took the time to understand my problem instead of finding ways to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the process of doing a deed in lieu and I am having a issue with the second mortgage Wells Fargo. I submitted paperwork to them that I had received from my first mortgage on XX/XX/2017 via fax. Instead of them reading the paperwork and acknowledging that it was a settlement offer from my first mortgage they removed me from their hardship program. I had to call them several times and have requested that they respond to the correspondence that was sent to them and advised myself and my first mortgage if they are going to accept the settlement offer. Since I sent the correspondence I have been assigned several representatives. The last one assigned to me XXXX, I sent her an email on XX/XX/XXXX to find out the status of the settlement offerr. She called me on XX/XX/XXXX at XXXX and stated that she did not know the status but she would reach out to the processor and would call me back in 24 to 48 hours. It has been 8 business days since I spoke with her and have received no response. I also sent her an email for status on XX/XX/XXXX and XX/XX/XXXX and no response as of this date. Why is it taking so long for them to agree to the settlement offer. This is the only thing that is needed for my first mortgage to conclude my deed in lieu.

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 2017-03-29
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Case number : XXXX I just sent you complaint but with wrong information on : What company was used to send the money? There is my company name, but should be : Chase JP Morgan United States Sorry for the mistake. 
Below is description : On XXXX I found on XXXX the XXXX. They offer good price for XXXX XXXX XXXX XXXX XXXX. I ordered from them XXXX kilograms for {$1000.00} per kilogram plus {$250.00} for shipping. On XXXX I sent them {$2300.00} by wire transfer. 
After the payment I wait and no shipping confirmation with tracking number from them. I searched on the Internet about this company and found that they cheat people. XXXX of harmed people ordered XXXX tone of chemicals, and he received only XXXX kilograms. In addition the shipping was labeled on other chemicals : http : XXXX I did not received From them any package. 
I asked banker for reverse my money I got from them case number : XXXX. 
On XXXX, XXXX I received call from XXXX and a man from Chase bank told me that he calling regarding this case. He said that he will do this and I must self call to XXXX and demand reverse the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Navient Solutions, LLC.
State: CT
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:
In XXXX 2016 I renewed my application for my IBR plan. I was aware that my new income would increase my payment, but was expecting to hit my standard payment maximum that was given to me in XXXX 2016. Navient processed my information incorrectly and is trying to get me to pay significantly more per month than I should have to pay. From the studentaid.ed.gov the cap on my payment amount should be " Never more than what you would have paid under the Standard Repayment Plan with a 10-year repayment period, based on what you owed when you entered the IBR Plan. '' However, Navient representatives were claiming that I no longer qualified for the plan and would have to reapply and receive a new level payment. Some representatives even told me that I would have been better off not reapplying for the IBR plan and just letting my application expire. All of this seems like gross incompetence. 

After many calls I was able to speak with a supervisor who confirmed that I was incorrectly placed on a new level payment plan and should instead be paying my standard payment maximum given to me in XXXX 2016. This was a relief as this was the first person in a month who I talked to that seemed to know what was happening. 

I was told that my case was going to the processing team to be fixed and that I would be contacted by her soon. A week went by with no contact, so I reached out only to be able to leave a voicemail. After not receiving a response I called back on the general Navient line only to be told I should wait, that supervisors always respond to their voicemails. I waited two weeks, and then called back on the general Navient line, and through many hoops I was told that my case was being worked on. Wonderful! 

Today I received contact from Navient. I was hoping to see that my plan was fixed only to see that they had incorrectly processed my plan again, for a new HIGHER payment than my previous one. So after two months, many calls and complaints, and confirmation from a supervisor that my plan is was incorrectly processed nothing has been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Rewards

Complaint:
My Barclaycard Arrival+ account was shutdown without any warning or notice on XXXX XXXX, XXXX. 

I had XXXX points available on that card valued at {$2100.00} in travel credit. I sent Barclaycard a certified, return receipt letter that they received on XXXX XXXX, XXXX asking for an explanation as to why my accounts were shutdown and to have them reinstated. If that was not possible, I asked to be compensated for my loss of points. As of today, XXXX XXXX, XXXX I have not received a response. 

I feel that Barclaycard was deceptive in their advertising practices by allowing me to earn 2 % back in travel credit, and then closing my account without any notice, thus giving me no opportunity to redeem my points.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-24
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Synchrony Bank is the ABSOLUTE WORST!!!!! I have had some cards through GE Money prior to Synchrony Bank buying them out. Each year, I would get a credit limit increase through GE Money without having to request for XXXX. Once Synchrony Bank stepped into the picture, my credit limits have decreased to where it looks as if I am using 100 % of my credit. I have a JCPenny card that had a credit limit of {$4600.00}. I had n't used my card in a XXXX of months and recently made a small purchase. Today, I received a letter in the mail from JCPenny stating that my credit limit was being lowered to the current balance on my card which is {$200.00}. I am beyond infuriated! This is taking a huge hit on my credit score! I do not understand why and how they are able to do this to people! Do they not realize that this is affecting consumer 's well being? I hope something is done about this company. This has got to stop!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have submitted Identity Theft reports and required documentation for proof of my identity to credit bureaus along with requests for complete credit file disclosures from the companies listed but Ive only received credit reports. Im asking for all the information and documentation that each agency has stored on my file. A full individual file disclosure associated with my identity so I can confirm the accuracy of the information in the file.

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