BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-28
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Experian credit reporting is still reporting on my credit 2 fraud acct on my credit report I was a victim of Identity theft/fraud a police report was filed

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 2022-01-28
Company: Experian Information Solutions 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:
Attached letters

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 2022-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: United Collection Service, Inc (FL)
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX, 2016 {$350.00} I called and notified the collection company that this is not my bill when it was received in 2016. This is a Bill for a XXXX XXXX XXXX in Florida. Which is not my name nor a name I have ever gone by. The last 4 of the Social Security number on my credit report that was also included on the report is not my last 4. When I spoke to someone at the company last year they said they would take care of this I even told them the last 4 of the social was inaccurate/ not my final 4.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
We filed for a Chapter  XXXX  Bankruptcy and ha d a Wells fargo Home Mortgage  at the time. When we came to the end of the Chapter  XXXX ,  Wells Fargo sent us a Mortgage Modification Plan, wh ich included making three payments during a trial period. We made the payments on the dates they requested, and we have all documents to prove the payments were made.     Once the payments were made, we entered into a mortgage modification. We have since discovered that the payments we made were reported as late, affecting our credit. We have tried to resolve this with "  XXXX  '' from  Wells Fargo, but he h as now reported he will not change the information.     Our complaint is that since we never received any documentation fro m Wells Fargo sta ting that if we made the mortgage payments during the trial period, it would affect our credit. We believe that since we were not notified of the possibility of the negative credit reporting to our credit if we made trial period payments, the reported late payments on our credit should be removed.

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 2017-10-08
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX : OnXX/XX/XXXX, I received an email from XX/XX/XXXXstating the following : " EARN 10 % CASH BACK WITH CHASE PAY AT XXXX  XX/XX/XXXX = 10 % CASH BACK Shop for millions of your favorite items using your Freedom card with Chase Pay at XXXX in the month of XX/XX/XXXXand you 'll earn a total of 10 % cash back on up to {$250.00} in purchases fromXX/XX/XXXX. '' I had enrolled in Chase Pay and made purchases ( a total of 3 items ) online at XXXX very early in the morning on XX/XX/XXXX. The total for the purchases was {$120.00}. I received emailed confirmation that I enrolled in Chase Pay. I also received emailed confirmation of my purchases at XXXX on XX/XX/XXXX There was clear indication in this emailed confirmation of my purchases that two of the three items were to arrive byXX/XX/XXXX. I noticed the following month I had n't received my 10 % cash back on my account. I called Chase onXX/XX/XXXX to report that I had n't received the 10 % cash back points. I was told I would receive a letter in the mail concerning this issue. As of today, XX/XX/XXXX I still have n't received a letter. So I called Chase today about my not getting 10 % cash back on my purchases. The person I spoke to at Chase indicated that I wo n't receive the 10 % cash back. She indicated that I did n't receive it because the transactions did n't show up on my Chase card until XX/XX/XXXXandXX/XX/XXXX. I read the promotional email from Chase and did n't see anywhere indicating the 10 % cash back was based on dates the transactions would be posted. The content of this email used the words " shop '' and " purchases ''! I made the purchases onXX/XX/XXXX! This is very wrong of Chase to send me this promotional email to make purchases in a relatively short amount of time (XX/XX/XXXX - XX/XX/XXXX ) .I had no control when the transactions would be posted. According to this promotional email from Chase, I had until XX/XX/XXXXto make the purchases at XXXX to qualify for the 10 % cash back! What if I made the purchases ON XX/XX/XXXX? It 's very unlikely that the transactions would post the same day,XX/XX/XXXX!! Are they aware of this fact? I was definitely lied to and misled by Chase and will never trust them again with any promotional offers they make.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a victim of dual tracking . Ocwen forclo sed on my home while being reviewed for a modification

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 2016-03-28
Company: TENET HEALTHCARE CORPORATION
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX divided bill to companies with identical names & same unique blue/yellow bills " XXXX XXXX '' and " XXXX XXXX. '' I paid XXXX off. Did n't ' realize XXXX entities. Once realized, offered to, and started paying monthly XXXX. ( Payments via money order not attached. ) XXXX submitted to credit bureau XXXX/XXXX/15 claiming " no payments. '' Disputed. XXXX responded with misleading info regarding my intake, refused discussion, and refused to remove. Continued dispute. XXXX removed. XXXX did not. I continued monthly payments. Accepted. Now, XXXX sent to new collections agency, that reported on XXXX and XXXX. I did nothing wrong. Costing me higher premiums, interest loan rates, etc. Not fair.

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 2017-10-08
Company: PNC Bank N.A.
State: OH
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 identity was stolen 3 years ago. Some one opened a XXXX credit card in my name at pnc bank on XX/XX/XXXX. Money was transferred to a person by the name of XXXX XXXX XXXX from the credit card for XXXX. I called pnc bank in the beginning of XXXX ( right around the 15 ) and told them that I did not open this account. The fraud department sent me a letter on XX/XX/XXXX and had me sign it so that there could investigate this problem. On Saturday XX/XX/XXXX I received a letter from PNC Bank stating that no such inquiry was reported to the credit bureaus. I have a copy of XXXX credit alert about the inquiry. I made a police report in XXXX after I called PNC Bank about the fraud. Police report number is XXXX.From the letter I received from PNC on XX/XX/XXXX, they think I opened this account, which I did not. I am going to contact PNC again on Tuesday due to Monday being a holiday. The inquiry was from PNC Bank in XXXX Ohio on XX/XX/XXXX. I was in California at that time. I put a credit lock on my credit for all 3 bureaus on XX/XX/XXXX. I had my credit monitored by XXXX at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Navient Solutions, LLC.
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: Account information incorrect

Complaint:
Navient is reporting my high credit as XXXX. Instead of XXXX as the high because of this it is damaging my credit. I originally had a student loan with XXXX XXXX who then assigned it to XXXX XXXX XXXX XXXX who set me up with the rehabilitation program which I successfully completed and then they assigned it to Navient based on the paper work sent to me was XXXX/XXXX/14. Navient took my loan it was XXXX but they reported my high has XXXX starting me off upside down on my loan 118 percent when they took the loan over and created a new one which should have shown my high as XXXX with me paying the amount that they set up for me I still would not be able to pay it off unless I paid hundreds of dollars extra. I need this fix it is severely damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I want to thank you because the last complaint, I sent in regarding an account was corrected. Now I have XXXX accounts that are on my report that are reporting incorrectly. Also I want to point out that if they had investigated it would show reporting incorrectly. XXXX XXXX county child support account number XXXX it shows it was in collection in XXXX of last year. Now clearly this is a mistake that experian refuses to investigate, because if they did investigate it it would show it was paid and reporting incorrectly. Because it is taken out of my check every week and has for the last eighteen years. Here is another example of experian breaking the law. Also how can something be in collections for one month then the next month be okay does that mean it was paid at the end of the month? How can you be in collections for a month and not the next. If I were to make an assumption I would say that 's entirely wrong. The second account is XXXX XXXX account number XXXX ... Again another account this is not mine and they refuse to investigate because if they had they would see this is not mine just like XXXX and XXXX, its almost like they get off on reporting incorrect information

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-24
Company: Experian Information Solutions 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:
This is NOT my address and I have never lived at this address : XXXX XXXX XXXX XXXX XXXX CA, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26
Company: USCB, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
ILLEGAL COLLECTION. Debt validation was requested from USCB but all of the attempts to get ahold of this company went ignored. However, they keep harassing and calling at inappropriate hours threatening to arrest and garnish wages if not paid but they were never able to validate the debt or to confirm they have the right person. this must be stopped and they need to stop reporting these illegal collections to my credit report immediately

Company response to consumer: Closed
Consumer complaint received 2017-12-24
Company: SYNCHRONY FINANCIAL
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Back in 2015, I was taken advantage of emotionally when my dog suffered a XXXX XXXX. I took him to the hospital where I was informed they would only take payment in full, up front, and without letting me use my chosen form of payment. I was directed to XXXX XXXX as my only option and opened a line of credit. After many months of payments on time and at least the minimal amount requested, I had to move across country ( from XXXX to XXXX ) in order to secure new employment. Prior to leaving my house, which was since put up for sale, I paid up front, at least 3 ( {$750.00} ) months worth of minimal payments, with the impression that would satisfy them until I stabilized in my new location. This was not the case, as they 've reported a missed payment from me to the bureaus, toppling my 700+ score by at least 90 points, nearly denying me a loan I required to close on my sale of property, and forcing me to seek a predatory loan to cover costs by putting my car as collateral. On top of that, I 've received at least 2 calls per day, including today, XXXX XXXX, trying to collect. I have mailed a paper check to them on the XX/XX/XXXX, which is due before the next statement period.

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 2015-12-06
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have already made XXXX complaint against Huntington Bank about my families mortgage. 
We have lost our house to the bank which was unfair and should have never happened and now we are getting notices from Huntington Bank telling us we need to insure the house we DO NOT own since XXXX XXXX of 2015. I have contacted Huntington Bank about this notice and was told that there is NO record of the Forclosure in the Huntington Bank records at the higher up building and they make a note of this Forclosure. We have now received a second notice telling us to insure the house that Huntington Bank has bought at the sheriff sale in XXXX of 2015. We would like to move on with forgetting what was done to us since we lived in this house for 23 years and we was pushed out with NO legal right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: AES/PHEAA
State: NM
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In the fall of XXXX I enrolled in a Masters Program at the XXXX XXXX for Advanced Studies, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX FL, XXXX. At that time, I applied for and received a Federally Insured Student Loan in the amount of {$12000.00} in order to help pay my expenses. 

Due to complications from the aftermath of Hurricane Andrew the year before, my parents moved out of state and I was without help in taking care of my XXXX children. 

Trying to balance school, work and children proved overwhelming and I was forced to leave school and also move out of state. 

As I was between jobs, employed at minimally paying jobs or even without work for several years, I was unable to make payments on the original loan and defaulted. 

My original loan was eventually purchased XXXX XXXX XXXX XXXX XXXX PA and I was made aware of the loan 's existence again when I filed for bankruptcy in the early XXXX 's. The method of my becoming aware was when attorneys contacted my husband, whom I did not even know at the time I took out this loan, and threatened to garnish his wages for repayment. Needless to say, this led to a divorce. 

As I have finally worked myself into a regular fulltime teaching position, I have been attempting to make regular payments in the amount of {$300.00} to {$1000.00} a month in order to try and get the amount down. 

Every month I receive a bill and I have never had a bill which indicates my Current Balance of almost {$32000.00} is decreasing. 

This brings me to the point of my complaint. I have no problem in repaying the original amount of my loan plus a reasonable interest. However, my original {$12000.00} is now, according to AES, {$31000.00} and in the time I have been paying, it has never gone down. This while the statement tells me I have paid a total of over {$29000.00} in both interest, {$21000.00} and principal, {$8000.00} over the years, with the {$31000.00} yet to be paid. 

I have asked AES for a complete accounting on this loan from the time it was originated until now. They have told me they are unable to provide that information. 

Any assistance your agency could provide in assisting me in either getting a full accounting or assisting in understanding how much and how long I would have to pay until this is paid off, or even if it could be forgiven considering how much I have repaid over the years would be appreciated. It appears this will never, actually be paid off, but will continue to provide AES with income for the rest of my life. 

I am concerned that at the age of XXXX, with retirement on the horizon, my retirement income will not be enough to repay this loan and still survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30
Company: WESTERN UNION COMPANY, THE
State: SC
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Wrong amount charged or received

Complaint:
Every time western union page says wrong currency to force me to pay {$6.00} charge, sending over to western union cash pick up it never allow me to pay over bank account even I put the bank account I want all those {$6.00} charge back please

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
The original lender for my loan was Countrywide, which went out of business. Its advertising was deceiving because it advertised affordable mortgages. My mortgage monthly payments increased dramatically, making it impossible for me to keep current with my mortgage. In 2009, Countrywide contacted me to pay {$4000.00} to bring my account current. Country wide took the {$4000.00} and other monies from me, claiming that it would bring my account current but it did not. I tried in several occasions to modify my loan but I was always denied. It is as if the bank wants people to lose their homes. The lender is not working in good faith and I have question the legality of the origins of my loan.

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: Empowerment Ventures, LLC
State: NY
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Starting around  XXXX   XXXX , some strange charges began to pop up on my accoun t. ( I Have A  RushCar d ). B eing the product of a scam months ago i have n't felt safe enough to open up another card with another financial institution so i decided to go prepaid for a while & boy was that the worst idea ever!!     Sine  XXXX   XXXX  there have been multiple other charges on my account to other establishments and in the end i ended up losing at least {$300.00} in this process. I have repeatedly tried to contact RushCard via email & phone for 6 days now and i still have n't heard back from anyone in regards to this situation. I 've found more luck in directly calling the establishments themselves. I have bills to pay and since i cant speak to a representative i now can no longer pay my bills and that is unacceptable because I have a  XXXX   year old who  needs things!!!     it is so distasteful that rushCard has a phone number but does n't give you the option to speak to a rep & even after using their suggested ways of contacting the company you still get no one. i need this to be resolved and i will probably NEVER USE RUSHCARD AGAIN

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
On XX/XX/XXXX, I tried to access my credit report on Www.Equifax.com. I was presented with the 'We are temporarily unable to complete this request.. I tried again 3 days ( XX/XX/22 ) later to access via the website and continued to receive the same message as before. Then I called the XXXX on same day on XX/XX/22 and sat on hold for 40 minutes until an agent picked up & line disconnected. No other action was taken until today XX/XX/22 where i tried to login at Www.equifax.com. Once I entered my login info, I received the exact message the other 2x before 'We are temporarily unable to complete this request. ' What are the next steps to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Text message to my XXXX XX/XX/2022 : " XXXX ( XXXX ) XXXX ; CITI : Your account has locked and requires verification, to restore access ... '' I haven't opened this text, and aside from the faulty XXXX syntax, I know this is fraudulent because I have no CITI accounts. Sorry I don't know how to forward unopened texts.

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