BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-11
Company: Performance Settlement, LLC
State: TX
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:
I was approached via cellphone from a company named  XXXX . This company promises to wipe out my {$16000.00} Federal school loan. This transaction was done all online with me first writing them a letter. This letter stated that I had  XXXX  income and was approved by the program because of my unemployment status. I was also asked for my income tax forms with social security and drivers license number which I provided the company. I was also told I was approved to pay  XXXX  dollars for 18 months, and that I also qualified to pay {$50.00} for 36 months. That after fulfilling this obligation I will owe  XXXX  dollars on my  Federal School Loans . But first I must sign a contract to pay {$1400.00} over the course of 18 months or 36 months. I became suspicious when  XXXX  told me I did n't have to do anything that they would contact the Department of Education and my creditor  XXXX  sending them a forbearance for my loan. And I wouldnt be responsible for any payment until  XXXX . Then I was asked to sign this contract for {$1400.00} which was the cost of my 36 month obligation of 36 month which is actually  XXXX  dollars and not  XXXX  dollars. I think this company was trying to qualifiy me and get me to sign as soon as possible. Is this company legitimating helping people this way with their student loans. Or is this just another way to lock me in a contract with them and other companies I know nothing about to defraud me of {$1400.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
The XXXX XXXX bank raised my monthly payment and keep calling XXXX times insisting to make a payment that is no past due and they giving me an amount that was never reflected on the bills and they charging me for late fees that they removed because XXXX of the payments I made before the due date could not be processed then after that happened I made the payment but now they charging me for an amount that has been never reflected on the bill or never was provided from the representative I spoke with over the phone and they never provided me the amount they telling me now that I have to pay for my next payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: EQUIFAX, 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: Public record information inaccurate

Complaint:
I have found wrong information reported on my report : " CALIFORNIA FED COURT-  XXXX   XXXX   XXXX   XXXX   XXXX  " This is out-of-date information, please remove it immediately Beside that, my correct address should be :  XXXX   XXXX   XXXX   XXXX , CA  XXXX , please update

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I applied for a Sams Club Reward Credit Card Reward, and I was sent a regular credit card with no rewards.

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 2016-04-06
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
The due date on my credit card payment falls on XXXX XXXX, 2016, Sunday. Since it was a Sunday, I paid it on XXXX XXXX, 2016, Monday. That same day, XXXX XXXX, 2016 the credit card company charge me for {$25.00} late fee.

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 2017-05-11
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am trying to improve my credit. There is a duplicate collection account that I have been trying to get removed from my credit reported. The collection agency keeps telling me they are reporting it as closed, but it keeps showing on my credit report as an open collection, but it should be closed and showing as paid or settled. I have contact  XXXX  - they say I will know something in 30 days. I have contacted  XXXX  they also said  30-45 days b efore investigation complete. But,  XXXX  sent me an email stating that this information is correct and the collection will remain open, this is not correct I have paid this and it should be showing as paid/settled on my credit report. Can you please help me get this resolved, I am trying to purchase a home and this is keeping m   y credit score down. Thanks

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 2015-07-01
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have had a credit card account with TD bank since XXXX XXXX and and have always paid on time. I went through a nasty divorce and had to put a restraining order on my husband in XXXX XXXX. He refused to pay the bills unless I let him back in. He was the only source of income. Therefore I had medical bills go in collections, a judgment placed against me, a credit card that went into a charged off account yet I always managed to pay TD Bank. I was late only XXXX time with them. I was able to pay off the credit card a few months back after my divorce and had to use it again in XXXX. I had a {$10000.00} credit line with them and they all of a sudden dropped it down to {$6500.00}. Stating I had bad credit, a judgment, etc ... .when I had that for 2 years prior going through my divorce. My late payment as well being in XXXX. Ive been paying the card in a timely matter, sometimes making XXXX payments a month on it. I had a checking account with a large sum of of money with them that I had to withdrawal just prior to them knocking my credit down. I had to make a wire transfer to my lawyers for the house I was purchasing. Which left the account almost empty. I find it very coincidental that they lowered my credit right after I did that. My late payment with them was in XXXX. Its XXXX and I have n't paid late once after that. I even pay more then my required payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: CCB Credit Serivces, Inc
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Someone identifying themselves as XXXX XXXX at CCB Credit Servuces call my employer on XXXX/XXXX/16 at XXXX XXXX. Number has never been listed as a contact on any account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
TD Bank reported me to XXXX on a " erroneous checking account that I have no knowledge of opening ''. I did have XXXX checking account not XXXX with them. The one they are reporting abused is causing issues with me trying to open a checking account at another bank. I tried in good will to get resolved and they refused.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17
Company: GREAT LAKES
State: TX
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:
This company is damaging my credit by reporting erroneous late payments. How can a payment be 90 days late within 30 days or with the month prior stating payment history is satisfactory? All these inaccurate negative reporting should be removed. 

Also, I did some research on the FTC website, and it states that this financial company was supposed to notify me within 30 days in writing before or after reporting ANY NEGATIVE INFORMATION TO THE CREDIT BUREAUS. 

I never received any notification. 

Negative Information from Financial Institutions -- If you are a financial institution ( as defined in the Gramm-Leach-Bliley Act ) that extends credit and regularly reports information about your customers to a nationwide CRA ( for example, XXXX, XXXX, or XXXX ), you must notify your customers that you report such negative information. Examples of negative information include a customer 's delinquencies, late payments, insolvency, or any form of default. FCRA 623 ( a ) ( 7 ) ( G ) ( i ) Please See Attached Document Showing Inaccuracies in reporting!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TD BANK US HOLDING COMPANY
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a Credit card still being reported to my CBR, according to Ohio law this should be removed from my CBR after 7 years. As the last reported information on this accounts was on XXXX/XXXX/2002, I am requesting this be removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
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: Was not notified of investigation status or results

Complaint:
These credit companies aren't respecting the laws of FCRA. I had an inaccurate and negative account removed from my credit report and it was reinserted without notifying me nor did they send the notification in writing within 5 business days of the reinsertion. This is in violation of 611 ( b ) ( ii ) and this needs to be removed from my credit report. The companies also aren't consistent with their reporting. I disputed an account and it was removed from one credit bureau ( Equifax ) for its inaccuracy and false reporting, but the other 2 ( XXXX  and XXXX  ) aren't removing the account. There are also unauthorized inquiries that are still reporting after numerous disputed attempts. Please help resolve these issues so I can start to build my credit and work towards getting my family a house. This is unfair. Attached are the letters Ive sent to the companies, well over a month ago, along with my ID and proof of address for identity verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
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:
After reviewing my credit report dated  XXXX / XXXX /   2017 a nd  XXXX / XXXX /   2017 I noticed  that  XXXX   XXXX  was reporting information incorrectly. On  XXXX   XXXX   XXXX   XXXX  reported that my pass due amount was {$160.00} as of  XXXX     2017 a nd on  XXXX   XXXX  they reported as passed due {$190.00} as of  XXXX     2017.  This is less than  24  hours. They also stated on both reports that there was no recent payment which was incorrect. This shows that  XXXX   XXXX  has falsely reported information to the bureaus concerning my account. Since this is falsely reported I request that this account be removed from all credit reporting agency in violation of the FCRA by misrepresenting the amount owed or due. This also violates SC Law sec tion 37-20-110.  I have attached copies of recent payments made to  XXXX   XXXX  and the reports that were received.

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 2017-05-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I was offered a  three mont h trial payment plan with bank of America. I made  all three pay ments on time per the agreement. Now bank of America has sent a letter stating that the loan modification has been denied because they can not verify my identity.??? I have to verify my identity each time I call them and I 've sent my identity information with all of the loan modification documents.     I 've owned my home since  XXXX     1999.

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 2016-12-05
Company: TD BANK US HOLDING COMPANY
State: SC
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Making/receiving payments, sending money

Complaint:
I have a check wrote to me, verified, in the amount of XXXX even though the funds were available and no question it was wrote to me, the bank refused to either cash, or exchange for a cashiers check, not cash because the acting XXXX claimed they needed a week 's notice to have the funds available, would not exchange for a cashiers check due the fact I did n't have a account. 
The bank is TD BANK XXXX XXXX the only XXXX there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XX/XX/2016 I went into a TD bank to sign for a line of credit and was forced into opening a checking account. I informed the banker XXXX XXXX that I do not need another checking account and that I wold not use it. XXXX continued to tell me that I need to establish a checking account to get the line of credit. He also stated that I have a overdraft line of credit and that it was mandatory. I informed him that I did not have the overdraft line of credit and when I spoke with the associate to set up the loan closing I informed them that I did not want to open an account. XXXX was extremely unethical when forcing products on me with misleading information. On XX/XX/2016 I spoke to XXXX XXXX from the TD Bank loan department and had my suspicions confirmed. XXXX XXXX had me open a checking account for his gain and this is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: GA
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:
I disputed information on my Experian Credit Report regarding showing  XXXX  different debts for the same account. My account was closed with  XXXX  's in  XXXX   XXXX  and transferred to  XXXX   XXXX . The balance due when closed was  XXXX  Experian has continued to show a past due on the account up to  XXXX   XXXX . Furthermore, I explained that. In a recent dispute I explained that the debt had been settled for {$260.00}. Experian has updated the report to the account as " charged off {$520.00} written off. {$260.00} past due. '' The account with   XXXX   XXXX   as been settled for {$260.00}.

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 2016-12-06
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I purchased a bedroom set from XXXX which I finaced that same day XXXX also bought and paid for with my debit card in the amount of {$110.00} a second box spring from XXXX. I received my furniture however the boxspring was damaged so the took the one they were going to deliver and brought the other XXXX later. I paid XXXX $ leaving a balance of {$590.00}. I received my second paper statement reflecting an increase in {$100.00}. I called the bank and spoke XXXX XXXX who said she didnt know why but shows was additional purchase made XXXX. I never went back to this store or any furniture store. XXXX said she couldnt help with the details and referred me back to XXXX. I called XXXX and spoke XXXX XXXX people XXXX they also show I finaced {$1500.00} and paid for the other purchase I was also provided physically a second itemized bill they told me to call the bank again which I did and was told I made second purchase XX/XX/XXXX for {$99.00} I asked to speak with a XXXX because I clearly am getting the run around from syncrony so the man said he would dispute this for me if i like, of course I request the dispute and a month passed I have now received another itemized bill and was told I signed it it is my signature. I called XXXX in finance whom will nit return my calls.

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 2017-05-11
Company: AES/PHEAA
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
This issue occurred after resolving my REPAYE certification dispute with CFPB complaint #  XXXX  where the Vice Presid ent of Loan Operations wrote a formal re sponse indicating my REPAYE certification was approved and the company would grant an administrative forbearance to cover the {$3600.00} bill due on  XXXX / XXXX /  XXXX  .     I just received  an Interest Notice from FedLoan Servicing indicating {$11000.00} in  accrued interest will be capitalized onto my loan principle on  XXXX / XXXX /  XXXX  . This is a severe financial penalty being placed on me due to an administrative error made by FedLoan Servicing. To be clear, I did not request this forbearance be placed on my account. Fedloan Servicing used forbearance as a tool to correct their mistake so that I can pay my normal monthly payment at a later date. Interest capitalization was never discussed.     As detailed in my previous complaint, FedLoan Servicing sent me an e-mail requesting I follow their link to recertify m y REPAY plan. I followed their instructions the same day Fed Loan Servicing sent me the e-mail. FedLoan Servicing administratively closed out my REPAY E recertification without notifying me and later claimed it was because I submitted the REPAYE recertification " too early ''. It is not possible to submit a REPAYE recertifiation too early or, at the very least, the company should provide notice to the borrower when their recertification application is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Citizens Bank : I opted in to recieve overdraft protection from the bank and within a week I called in and opted out of the protection. After opting out They allowed a preauthorized purchase that i did not have enough funds to cover in my checking and took the funds from my savings account to cover it. This wiped out my checking account and XXXX more purchases were allowed also being taken from savings account. i was charged the overdraft protection fee {$6.00}. on the first XXXX, on the last charge they allowed, i was charged an unprotected {$35.00} charge. Though I opted out they allowed the preauthorized charge even though there were insufficient funds. This all takes place in less than a months time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-11
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have  XXXX  collection company  XXXX   XXXX   XXXX   XXXX   XXXX ,  and/or  Equifax reporting incorrect information for a single account. The account continues to reflect the status of  "   Open Collection '' while it was included in Bankruptcy in 2016 a nd subsequently  discharged  in  XXXX  o f 2016. I h ave called the collection agency multiple times and they have denied any incorrect reporting and point me to the reporting agency. I have opened up multiple disputes with the reporting agency and their determination has repeatedly been " we 've verified this account belongs to you ''. The incorrect information, is not whether this account belongs to me, but why it is still being reported as "  Open Co llections ''. Neither company plans to take any action to correct the discrepancy, or remove the entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I had  XXXX  accounts with    XXXX   XXXX   XXXX    which have been paid off but Transunion will not update credit report to reflect paid in full. The  XXXX  account numbers are as follows :  1.   XXXX  {$2200.00} 2.  XXXX  {$5400.00}

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