BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-20
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I opened an account with XXXX in XXXX, 2016. They, in turn used XXXX. I kept the product that I purchased with XXXX for about 3 days. XXXX called me multiple times to insist that I pay them. I explained that I returned the product before a payment was ever due, and that I did not owe for something that I did not have. I mailed them copies of the receipt showing that I returned the product, and they insisted I write a statement, and get it notarized along with sending it via registered letter. I explained that I would not do this because I did not owe anything, and I had spent over an hour for two different three-way calls with XXXX and XXXX proving that I did n't owe anything. XXXX proceeded to report me missing a payment to credit agency ( ies ). This delinquent payment is showing on my report. The derogatory status was updated to current status, but that does n't reflect properly that it should have never been reported as delinquent at all. Please help me to remove this from my credit history. I have worked hard to correct the irresponsibility of my past, and I do not want this to lower my credit score, as it already has by several points. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian states " we will not reinvestigate the dispute again '' Negative inaccurate false items Which is against the rules and regulations of the Fair credit reporting act

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 2016-04-12
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian reported that there was a " hard '' credit inquiry from a credit card merchant processing company on XXXX XXXX, XXXX on my personal credit bureau report. That was not for me personally ; it was made in error. I contacted them directly, since they are a credit card merchant processing company, and I am the XXXX Financial Officer of our company, and we have been a client of theirs for over six years. What happened is that back last XXXX XXXX we requested a new Merchant ID for XXXX of our divisions, and I signed off on the applications ( as I always do ) as the XXXX of our company. 

After contacting them, and speaking with our client representative, and later with other staff of them, I found out that someone in their Underwriting Department made an inadvertent mistake, and ran my personal credit report, instead of running a XXXX & XXXX ( or something similar ) on our company. Since I am not an owner of our company, only an officer, they should not have had access to my social security number, and they should not have done a " hard credit '' inquiry on my personal credit report. And they understand that, and have apologized to me. But they did not contact, to the best of my knowledge, Experian, to clear up the matter. 

So, I sent a letter to Experian dated XXXX XXXX, XXXX, and I informed them of this matter, and I asked them to please remove that hard credit inquiry from my credit report. However, they sent me a copy of my credit report back, dated XXXX/XXXX/XXXX, and did not specifically say how they handled it, but it still showed up in the " hard credit inquiry '' section. Somewhere in their documentation they insist that they simply must report all companies that legitimately request a credit report, and it counts as a hard inquiry. And it does not appear to me that they have any intent to do anything about that, regardless of the circumstances. They did not reach out to the credit card merchant processing company, to the best of my knowledge, and thus the issue is probably " resolved '' in their minds, but certainly not in my mind.

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 2017-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
On XXXX XXXX, 2017, I had 48 hard inquiries removed and then they were put back on. I did not receive any notice as to why they were put back on my credit report. I have tried disputing these items with Transunion and I am not getting anywhere. There were a few that I did not want removed because they are current and they were XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX. Also when the glitch took place, closed accounts that were no longer showing up with a negative affect on my account, are now showing up affected. The school loans are showing up as late when they were deferred. 
Can someone please assist with this, I am trying to build my credit and this issue is holding me back from getting ahead.

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 2016-10-06
Company: Santander Consumer USA Holdings Inc.
State: NH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Chrysler Capital refuses to send me a monthly statement. After I realized it was overdue, I tried to call the phone number of my previous statement but it would n't accept my account number and I could find no way to reach an actual person. 

When I asked about this using their online system ( apparently they do not accept e-mail ), their response was to call that number. 

When my next message explained that the number did n't work for me, their response was to use online chat. 

When my next message said I had no Internet access and online chat at a public computer was n't appropriate, they said they had no way to send me a statement and again said I should call the number or use online chat.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: LDF Holdings, LLC
State: VA
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan with Synchrony Financial/ Care Credit XXXX It was to have 0 % interest for the entire life of the loan. They continue to add " new Purchases '' that I have not made. but they claim I owe They continue to raise the rate from 0 % to 26.99 %. I have paid approx. {$3000.00} on the original {$7200.00} but claim I owe {$7600.00}. The 0 percent rate was for the promotional period and the promotional period stated until paid off. I would not have accepted this loan if I knew the interest was above 26 %. I live on social security and their payment and my HUD subsidized rent exceed my entire income. My income has not changed since I got this loan except for this years social security XXXX. Although I have asked several times, they will not send me information on what they payments they have received and how much I owe. They say they have no options. I have been sent transaction summaries showing draws for XX/XX/XXXX and XX/XX/XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been charged a lot of attorney fees which I paid to ocwen along with late fees which never end have been denided a loan mod after my current mod rate when up tried to work with ocwen they say can not help me at all retired my income has changed trying to stay in my home of 20 years plus

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Hello CFPB My name is XXXX XXXX and I am writing to complain about my private student loan that was originally with XXXX XXXX, but is now with Navient. 

I have never missed a payment since I was required to start paying off my loan, starting XXXX 2009. I graduated XXXX 2009 from XXXX XXXX. 

Since then I have paid a little over {$200.00} each month. 

The original principal balance of my loan was {$15000.00}. 

$ XXXX/month since XXXX 2009 to Present = 91 months total of never missing a payment @ $ XXXX/month = {$18000.00} I have already paid over {$18000.00} back into my loan, yet the principal balance on my loan has only decreased from {$15000.00} to roughly {$13000.00} now. 

This is ridiculous and should be considered a crime. 

I understand what interest is and how it works, but really?! My loan has only decreased {$2000.00} despite paying back the loan in full and more over the past 7 years?! 

PLEASE HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had XXXX or XXXX medical bills that were incorrectly billed and my XXXX payment was not noted on the hospital bills from XX/XX/XXXX they were written off in XX/XX/XXXX. All of them! Now this year I have been contacted by Commonwealth Financial Services by 3 people. I received notice of the bills from XXXX XXXX, then I was contacted by XXXX XXXX. I mailed copies of all the settled bills to XXXX XXXX on XX/XX/XXXX I never heard back from her now, I got a call from XXXX XXXX and again he is trying to collect on the same bills as XXXX and XXXX. I got Commonweath 's account numbers and mailed copies of the settled bills with each reference number on the copy around XXXX A fifth grader could easily match up and report these bills are settled. Yet when I called XXXX XXXX today after I received an letter from him trying to collect for another company he told me to disregard that and to give him 2 or 3 weeks to check on the bills that I copied and put reference numbers on.. Yet my credit report shows these collections from XX/XX/XXXX when they apparently bought my account. They are unorganized and my credit report is affected by these attempts to collect settled debts. I am XXXX years old, XXXX and live on less than {$XXXX} a month I do not drive and have to get a ride to the post office due to the rual area that I live. I can not keep mailing them copies and putting up with their interference in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is regarding our loan # XXXX. Our first Homeowner Support Specialist, XXXX XXXX contacted me on XX/XX/XXXX regarding our loan. We submitted paper work requested by XXXX XXXX. We were immediately reassigned to a loan negotiator XXXX XXXX. We submitted our information regarding out loan including hardship letter, personal and business tax returns, bank statements, and information about the property associated with the loan without much feedback from either XXXX XXXX or XXXX XXXX. We were reassigned again XX/XX/XXXX to XXXX XXXX XXXX. During this time we acquired the assistance of an attorney XXXX XXXX XXXX of XXXX XXXX, XXXX. XXXX XXXX attempted to contact XXXX XXXX in numerous occasions on our behalf regarding a short sale of the property in association with loan # XXXX. There was no response from XXXX XXXX to either me or my legal representation. A mortgage complaint was filed on my behalf from XXXX XXXX and we were reassigned to a XXXX Homeowner Support Specialist XXXX XXXX. We resubmitted all of our paper work again only to be reassigned to a fourth person XXXX XXXX XXXX. This whole ordeal took so much of my time and efforts getting information to different people at Citi Mortgage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: WELLS FARGO & COMPANY
State: GA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23
Company: SYNCHRONY FINANCIAL
State: OR
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I just spent 2-1/2 HOURS on the Synchrony Bank website & spoke with XXXX different representatives on the phone, simply trying to change my password, as the Bank is requiring. It was a NIGHTMARE! The Bank makes it almost impossible to get access to my own money. The instructions to change the password are incomplete, and the representatives did n't seem to know what the problems were or how to correct them. XXXX of them tried to connect me with the Bank 's " IT '' representatives, and I was disconnected twice. The Bank required that my password be changed, yet they made it nearly impossible to do it, since the instructions were so unclear. I have decided to take my money out of Synchrony and put it into my XXXX money market accounts, so that I do n't have to deal with a confusing and unclear website every time I want to access my money. The XXXX website is much simpler and easier to use.

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 2016-04-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX XXXX has a problem with an online bank. The bank has never been able to credit payments made to XXXX different accounts : XXXX and Sam 's XXXX XXXX. The XXXX account was paid in XXXX 2015 and the Sam 's XXXX XXXX was paid off in XXXX 2015. 
The online bank claims that XXXX paid the XXXX debt at Sam 's Club and still owes money on the Sam 's XXXX. 
The assertions by the bank are preposterous because my wife could not have made a payment to an XXXX account at Sam 's Club. Can you 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 monetary relief
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
This is a XXXX complaint on CFPB CaseXXXXXXXX. I received the letter dated XXXX/XXXX/15 reflecting a balance of {$3700.00}, Synchrony said they had credited the account due to customer service and goodwill. We immediately paid this balance of {$3700.00} on XXXX/XXXX/15, to be 100 % finished with this company. Today on XXXX/XXXX/15 I received a statement showing a payment of {$3700.00}, than a {$25.00} late fee was applied for not making a payment on XXXX ( I was in a dispute with them ... seriously why would I make any payment until I heard their response ), also there was an additional {$220.00} interest applied AND a new balance of {$6600.00}!!!!!! I am so upset and would NEVER recommend a person to open a care credit acct with Synchrony!!! The balance ( proof in their document in response to my original complaint ) was paid off and I want a new statement mailed reflecting a XXXX balance. This is absolutely ridiculous!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-16
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Issue: Late fee

Complaint:
I was charged a late fee for for a payment that was on time. The money was withdrawn from my bank account by the company on XX/XX/XXXX but they did not post the payment to my Barclaycard account until XX/XX/XXXX. This resulted in a late payment fee of {$25.00}. I contacted the company and informed them of the error, and I was told that it is their policy to hold the payment for one to two days for processing. Although they physically had my cash in their account, they did not process my payment until the next day. They have refused to reverse the fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-27
Company: Penn Credit Corporation
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Calling for someone that does not live with me and never has.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: KEYCORP
State: UT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with keybank under a promotion after reading the wording on the promotion of had questions so I call the bank to get clarification on the promotion. Asking questions about it my question was can I deposit the XXXX dollars in split payments of XXXX each payment representative states yes as long as it is done with in the time frame I reiterate that I am splitting it representative states of will be fine. I call an double check on progress and every rep indicates I am on course just need the time frame to expire. Once it is time to pay me XXXX they state I do n't meet the criteria I explained I double checked on this and was told by there employees I was okay to deposit the money the way I did. Had to call the executive officer where I had to call them back several times to get told they can not pull the calls so they asked an employee to recite the promotion so due to that you 're investigation was over and I will not get the money. I explained I should not be penalized due to there employees telling me wrong. They said it is in writing I explained yes I know that and did not complete understand it so called to clarify and was told wrong or this would have been done correctly and I would have gotten the money promised.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-09
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received from my employer a Judgement/wage garnishment from XXXX. I contacted XXXX XXXX immidietly, trying to figure out why I was receiving a judgement/garnishment. It was for a credit card debt owed by my exhusband. I explained to XXXX XXXX that the credit card owed was a legal responsibility of my exhusband, but XXXX only gave me the option of paying the amount in full ( along with legal fees and interest rate XXXX, or XXXX would move forward with wage garnishment. I paid the debt with the understanding that if paid in full the judgement and collection will be removed, since I never received notice of debt or right to dispute, prior to judgment/wage garnishment. The debt did not belong me, it legally belonged to my ex-husband and was docummented on divorce paperwork XXXX legal document ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX XXXX, 2015 I went into Sams Club and they were signing customers up for credit cards. I applied and they approved me for a {$5000.00} limit. I asked what my rate was, at which time the lady told me I was approved for their 14.90 % rate. She did not give me any paperwork only verbally told me my rate and printed a new card with my account on it at the store. I then spend about {$3000.00} before I got my actual card and paperwork in the mail. The paperwork they send me said my rate was 22.90 %. I then emailed them and told them what took place. They sent me a letter and refuse to do anything about getting me to spend money on credit up XXXX rate and then switching it to another. I attempted to resolve the matter without involving the CFPB, but Synchrony Bank refuses to honor the rate I was told I was getting.

Company response to consumer: Closed with explanation