BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-15
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: Account information incorrect

Complaint:
My credit report is showing a 30-day late payment in XX/XX/2018 I have disputed this with all 3 credit bureaus but XXXX keeps verifying that is correct. 

Please remove this late payment entry as it is inaccurate for the following reasons : 1. XXXX does not provide an auto-payment scheduling mechanism. It is very easy for a customer to miss the payment date as all payments need to be manually scheduled. 
2. There were a number of fraudulent charges on my account in the months preceding and after investigations credits had been issues to my account. These would have made up for the minimum payment for XX/XX/2018. 
3. XXXX is charging interest from the date a purchase is made. This is incorrect. You should be charging interest from the Due date shown on the previous statement as all other credit cards do. 

I have attempted to address this with XXXX but they refuse to help.

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 2021-12-14
Company: EQUIFAX, INC.
State: NY
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:
This is XXXX XXXX who is submitting this CFPB complaint myself. These accounts are reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. Please update or remove the late payments from this account. 

( XXXX XXXX XXXX, XXXX  XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED TO DELET ARE LISTED IN THE REPORT. 
I AM A VICITIM OF IDENTITY THEFT AND DID NOT MAKE THE CHARGE. I ASK THAT THE ITEMS BE DELETED TO CORRECT MY CREDIT REPORT. 
I REPORTED THE THEFT OF MY IDENTITY TO THE FEDERAL TRADE COMMISION AND I ALSO HAVE A ENCLOSED COPIES OF THE FEDERAL TRADE COMMSIONS IDENTITY THEFT AFFIDAVIT. PLEASE DELETE THESE ITEMS AS SOON AS POSSIBLE.

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 2022-07-21
Company: SYNCHRONY FINANCIAL
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:
We were told, and saw on the information that was provided to us that we had the option of paying no interest and no minimum payments if paid in full within 6 months. When we applied to the card we chose this option. Also, on the most recent statement, in the " Promotional Purchase Summary '' it has " Promotional Expiration Date '' as XX/XX/2022 ( we opened the card in XX/XX/2022 ). In the same section under " Description '' it says Deferred Interest/No Interest or Minimum Payment if Paid in Full. However, we were told that we were supposed to send the first payment on XX/XX/2022, and if we didn't we would incur a late fee. This doesn't make any sense given the terms of the No Interest and No Minimum Payment Option.

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 2016-06-10
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I requested a change in repayment plans. Apparently, MOHELA lacks the ability to process these requests efficiently. As such, it places the account on a " processing forbearance '', in which it unilaterally delays payment for a month and capitalizes the interest ( referencing the right to do so under the master promisory note ). At no time did I authorize this or accept this. Nonetheless, MOHELA continues to forward me mail indicating its intent to capitalize interest. This is unacceptable without additional information and/or a refusal to cite to the provision in my master promissory note that authorizes such behavior ( i.e., at no time have I authorized MOHELA the right to capitalize interest on my account ( s ) ). 
MOHELA 's forced forbearance and capitalization is a MASSIVE class-action lawsuit waiting to happen. Damages are calculable. Good luck! 
Do n't capitalize my interest ( or my wife 's interest for that mater ). 
What MOHELA is doing is the exact type of behavior the CFPB is trying to prevent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
XXXX letters were sent to AMEX, the only response I 've ever received from an American representative ( not someone in XXXX XXXX, XXXX ) are due to : 1 ) Emailing the CEO which forwarded my complaint to the Executive Office and 2 ) A CFPB Complaint. 

Despite almost coming to an agreement with AMEX 's Collection Agency, they had informed me AMEX **will not stop charging me late fees** despite having a payment plan in place which is far from logical and ethnical. Those late fees would total XXXXmonth essentially XXXX any payments towards the balance. I am unable to accept AMEX 's direct " hardship program '' ( not through the CA ) because it far out of my budget and would restrict my ability to continue my studies, living expenses, and other creditors. This problem has caused me XXXX the last few months since I have been blatantly ignored in my attempts to resolve this. AMEX 's " hardship program '' waives additional late fees so the CA 's program should as well. Directly AMEX expects you to pay off your balance in XXXX months which is a clear misinterpretation of the word " hardship ''. 

I have gone above and beyond my duty in attempting to contact AMEX yet they are still trying to bill me for fees which could have been avoided months ago if they bothered to reply, a representative would allow me to speak to someone higher up in the food chain such as supervisor ( which was never allowed for whatever weird reason ) ; instead they allegedly have never received any of my complaints which have shown my desire to come to a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I wanted to block all future charges on my credit card. It took 5 days to do this. I was on hold in excess of 25 minutes twice. The automated system did not work.it is very non-professional and frustrated. This credit card was issued by Comenity Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-14
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was sold from XXXX XXXX XXXX  to AmeriNat. I then refinanced with another company a number of months later. AmeriNat has failed to return my escrow account monies for 2.5 months after closing. I have spoken with the manager numerous times and have been promised that I would receive a check in the mail now for over 3 weeks.

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 2015-06-23
Company: WELLS FARGO & COMPANY
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Freedom Mortgage Company
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX, XXXX my mortgage ( including escrow ) increased by {$350.00} a month primarily due to my taxes increasing due to an {$8000.00} energy loan I made to repair damages to my property for an insured flood loss I suffered in XXXX XXXX. I applied for a loan modification to my mortgage company and while in processing in excess of 2 months, they sold my mortgage to Freedom Mortgage and I commenced the process over again with them. Finally they offered my a modification that only decreased my payment by {$180.00}. This low amount does n't really help me. I am a XXXX year old XXXX unable to get employment, living on social security retirement a couple of small pensions. I have a " special needs '' XXXX daughter who is now XXXX yrs old. As a result of unexpected expenses my credit card debt balloned to {$46000.00}. I did credit counselling and entered into a debt repayment plan to pay off my credit cards ( now closed ) over a 6 year period inorder to save on excessive interest payments although I am paying off the entire debt, but at a lower rate of interest. 
As my financial hardship was not alleviated by the modification and my debt repayment program, I counseled with HUD who told me I should apply to KYHC. I did and after a very long processing period with many documents provided, they just approved a principal mortgage loan reduction XXXX XXXX ( although they would not provide me the details ) and sent it to Freedom Mortgage for their acceptance which they said would take approx 3 weeks. Then KYHC called me back the same day ( yesterday ) after I made the inquiry and I was advised that Freedom Mortgage denied to accept their principal reduction plan because I am in a 3 month trial modification. This of course both parties were always aware of from the beginning of this frustrating process. I can not accept that Freedom Mortgage will not accept the KYHC assistance is offering me. I am desparately trying to hold onto our home as I simply ca n't be homeless with a XXXX year old to take care of and I ca n't afford to pay what the rental market requires if we lose our home. KYHC advised me today that they will close my file without even allowing me the opportunity to dispute Freedom Mortgage 's decision. I was lead to believe that KYHC was a federal program to help home owners save their homes. Both entities have put me through so much over many months to now end up with this unsatisfactory result. If the lender now has the option to deny the aid I have been offered, what is the point of putting someone through all of this when they are already suffering a hardship. Please help me get Freedom to comply. I am not providing documents as KYHC has approx XXXX documents as does Freedom Mortgage Thank you. 
Respectfully yours.

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 2022-11-06
Company: EQUIFAX, INC.
State: FL
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 sent a letter to XXXX, XXXX, and Equifax on XX/XX/2022. Its been well over 30 days, I still haven't received anything back. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) XXXX, XXXX, and Equifax have 30 days to respond to my dispute. 

This a violation of my rights. 

Affixed is a my proof of verification, copy of the inaccuracies on my credit report, copy of of Consumer Law 15 USC 1681i ( a ) ( 1 ) ( A ), and also copy of the letters i sent to the CRAs. 

Thank You CFPB XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: DISCOVER BANK
State: CA
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:
On XX/XX/2020, I bought an instrument cluster for my XXXX. The XXXX garage tried to install it, but it is defective, forcing me to pay a repair bill of {$300.00}. 
During the process, I tried to contact XXXX and the seller directly. I was unable to reach EBay ( COVID-19 rollback of personnel ), emailed the seller with no response at all. 
My dispute was denied because I did not have the statement from the garage, now I do. 
I am also including the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
After carful review of my credit profile I notice multiple unauthorized inquiries. I filed a police report. Please remove the following inquiries from my credit profile - these are unauthorized inquiries. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ( XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX ) -XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I AM NOT A CREDIT REPAIR COMPANY

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Received collection notice today from a company named credit collection services collecting for XXXX XXXX  and XXXX  for the amount of {$250.00}. First of all I dispute the debt and the amount of the debt also I just recieved the final notice on or about XX/XX/2020 ( see attached ) saying that I owed this alleged amount. My dispute is I dont think amount is correct i have received several different amounts owed from this company. Also it has not even been 30 days since the final notice and XXXX has not only already sent me to collections they have not honored the XXXX shelter in place promise due to XXXX epidemic which was supposed to be extended till the end of XXXX from XXXX which included policy protections such as special payment plans and delayed payments with no penalties which were not extended to me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: PNC Bank N.A.
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
XX/XX/20 XXXX dollars was taking

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: WESTERN UNION COMPANY, THE
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I can confirm that Western Union ( WU ) is a very incompetent institution. I sent money to my father who is XXXX years old XXXX. He could not pickup the money after making 3 trips to the bank. The bank XXXX also could not release the money stating that they did not have the MTCN number. I am dealing with not XXXX but XXXX incompetent institutions. I called Western Union and their excuse is that my father 's name is similar to the person who can not use WU. What a stupid excuse! No one took the initiative to check the record of the history. Very little money for my father 's birthday and they made a big deal to take away my precious time to solve their problems because they are incompetent. A lot of people have the same names, especially the country I came from, that 's normal in XXXX. But not to release the money to an XXXX years old man who they know better to try and assist him, is absurd! I can not believe that between the bank and Western Union, no one could use the brain to go an extra mile to solve the problem. I 'm here in NY and solved the problem for these XXXX incompetent institutions. First WU sent a confirmation email saying my father can pickup the money ( strike one! ). Once you confirm with anybody, it means " a go '' yes? If WU could not release the money, they should have sent a very specific email stating they need a copy of my father 's ID for their future record so they will not release the money to a wrong person, so we all can solve the issue before my father 's trip to the bank, not after. This should have been stated clearly! Then my father took not 1 but more than a trip to the bank, 3 days in a row ( strike two! ). They still could n't figure out how to solve the issue. Then they got me involved ( strike three! ). With a high-tech going around, I asked my sister ( who lives in the XXXX country ) to take a photo of my father 's ID and send it to me. Between my sister and myself, we solved the problem and we always do. I then sent the email to WU staff member and request with a firm instruction to release the money immediately. This should have been done by the company, not an individual person. Like I said they should have sent a very specific email ( not a confirmation email ) prior to my father 's trip to the bank. So OK, security check, I get it. But not to communicate with me is a wrong strategy ; I am the sender. This is enough to confirm that WU is very incompetent and a bank can be even more incompetent dealing with them. Put two and two together, we got XXXX! No wonder the banks are failing! I 'm not surprised. The people who work at these XXXX large institutions take no initiatives to assist a customer. Lack of training? Maybe. This should be the next XXXX case study.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-15
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XX/XX/2020 - I received notification that my credit report had been pulled and someone tried to apply for an XXXX loan in my name. 
XX/XX/2020 - I tried to call Equifax and their automated system requested I verify information which was not on my credit report. The system indicated it could not verify my identify. I was told I had to send in photocopies of my drivers license and social security, which I did. These were mailed on XX/XX/2020. 
XX/XX/2020 - I called and spoke to a representative. The representative was going to place a freeze on my credit report, but I needed it to not be frozen right away, so I asked what I needed to do to get a freeze in the future. They said to call back and request it. They also said I could not use the XXXX web site as it was locked out permanently. 
XX/XX/2020 - I called back today and the automated site locked me out and I was told, again, to send in documents. I told XXXX, XXXX, that I had already sent in the documents and she said she could not place a freeze on my report. I asked if she had record that I called in the previous Friday and was verified by an agent. XXXX would not verify this info. 

The automated system at Equifax asks me questions and gives answers for those questions for loans and credit which is not on my credit report. I received a copy of my credit report in the mail from Equifax and the questions about accounts asked do not match any accounts on my credit report. 

I call, Equifax asks questions to verify my identity which can not be answered ( answering " None of the above '' does not work, either ) and they lock my account until I send in documentation. I send in documentation and they allow me to call in again but I again get locked out by the automated system and am requested to send in documentation. 

This is resulting in my credit report not being frozen when I have a documented fraudulent application filed in my name with the XXXX XXXX XXXX. It appears the person applying has details from my credit report meaning it was likely obtained from Equifax, since they are the only credit reporting agency whcih had a data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.

Company response to consumer: Closed with explanation