BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: U.S. BANCORP
State: OK
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having issues with hours during covid and so I opted for a covid plan to not have to make payments until my hardship was over and then I would start making payments again and the amount I owed would be moved to the end of my plan. After my hardship was over, I requested the documents I needed to start marking payments and a notary be sent out to watch and take the paperwork back. I met the notary at work, we signed and they took the documents. Then the notary never sent the documents or something, I have no idea. But I had to request more documents be sent out, because they didn't get them. So we did it again, I met with a different notary, they took the documents and they sent them. This time they said that I signed my name wrong on one of the papers. So they had to send out the documents again, but this time I didn't get them. So after a bit, I got a letter saying my plan was cancelled for something and I would call and say I was waiting on the documents still and then they said they would send them out again. This happened a couple times. Then I got a call saying I couldn't get the Covid plan now, I have to do this other plan. I said I didn't want the other plan, I wanted the Covid one I was told I would get when I signed up for it. And it's been back and forth since.

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 2015-11-17
Company: Credit Central Holdings, LLC
State: SC
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I contacted the lender, Credit Central in XXXX, SC, because I am past due on my account and wanted to let them know I would be in today to pay on my loan in the amount of {$71.00}. I received an angry letter on my door the day prior and wanted to work towards catching up my loan. I asked for XXXX, a man who I assume is the manager. He has left multiple aggressive messages on my phone. When I told him my name his first words were " Hey XXXX, do I have to come out there and choke you? '' I asked him not to say that and nervously laughed. He just said " Ok. '' I explained what I could pay today. He said I owed {$140.00} now. I said I could atleast do the {$71.00}. He said that was fine and then said " Do n't make me come back out XXXX again. '' I said nothing back but only replied that o would be in today. I felt very threatened having a strange man say he would choke me and then adding for me not to have him have to come back to my address. What can I do about this? This is ridiculous and scary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I made a FDCPA formal inquiry into XXXX AKA XXXX XXXX as well as XXXX. My formal request for the information that is due to me ( by law ) was sent via certified mail. After no response for more than 30 Days, I submitted this information to all XXXX credit bureaus, as The information was on my credit report illegally according to the Fair Debt Collections Practices Act. I sent copies of the formal requests for information AND copies of the certified mail receipts. I will attach those documents to this report as well. 

At this time i would like to know if Experian is depriving me of my consumer rights under the Fair Credit Reporting Act. 
And I have received no communication from XXXX OR XXXX regarding this matter so can you please investigate this as well. 

If these companies are found in violation I believe I am due {$1000.00} per occurrence. 

Thank you very much for your time and diligence in this matter. These ILLEGAL negative items on my credit are creating financial hardship - I am a XXXX Veteran and I am on a fixed income. I would like these Bureaus held accountable if indeed I am correct.

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 2022-03-24
Company: JPMORGAN CHASE & CO.
State: CA
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 : Saw the online offer for the Chase Freedom XXXX card, which included a {$200.00} statement credit after {$500.00} spend, along with a 5 % cashback on groceries for the first in the first year. ( An additional bonus separate the quarterly rotating categories ) Went in-branch to apply for the card, where the banker noted that in addition to the grocery offer, I would receive a {$250.00} bonus for applying in person. 

XX/XX/XXXX XXXX : Noticed the 5 % sign-up bonus was not showing on the card statement, despite already having received the {$250.00} bonus. Called in to Chase, where the representative assured me that the bonus was correctly attached to my account, and that I would see it in my next statement. The representative likely misunderstood and assumed I was referring to the quarterly rotating cateogry. 

XX/XX/XXXX XXXX : Called in again when noticing the sign-up bonus was not showing on the card statement. Representative says will escalate, and will receive in a response soon. 

XX/XX/XXXX : Received online notice that Chase would not be honoring the bonus. 

XX/XX/XXXX XXXX : Met with Chase banker who originally helped me apply for the card, who said that he would escalate to his manager, and promised he would call me back in the coming week. Never received that call or follow-up, so scheduled a meeting with the banker again the next week. 

XX/XX/XXXX XXXX : Met with Chase banker again, along with his manager, and was told for the first time that the {$250.00} in-branch offer excluded the promotional grocery offer shown online, and that they would not retroactively apply the offer that was originally promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have never had an account with this creditor, this is not my billing address and I checked all 3 credit bureaus for any collections reported. This is identity fraud. This vendor is claiming false debt to obtain personal information on people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently XXXX. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.

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 2022-03-24
Company: PRIMARY RESIDENTIAL MORTGAGE
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My current loan is being serviced by Primary Residential Mortgage ( PRMI ) ( since XX/XX/XXXX ). XXXX XXXX is the lender. 
My statements consistently get to me late each month, just before the due date. Example, for a XX/XX/XXXX due date I received the statement XX/XX/XXXX. This has been the pattern since inception of the loan. I have not been assessed late fees because there is a grace period until the XXXX of each month. 
I have spoken PRMI and was basically told nothing would be done to get my statements to me any sooner in the month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Experian Information Solutions Inc.
State: UT
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:
In XX/XX/2022, I got notified by my XXXX XXXX card that my credit score had dropped significantly due to a late payment. 
After further investigation, I found that my XXXX card was the issue. I called the number on the back of my card and it routed me to XXXX ( with whom I had never had any interaction ). XXXX had trouble finding my account because my XXXX card number had changed - without my knowledge. 
A representative from XXXX told me that they had mailed me several notices that they were now the administrator of XXXX credit cards. 
I explained to them that I had elected to have all of my XXXX  correspondence be electronic as I travel XXXX XXXX of the time for work ( XXXX  also strongly encourages their customers to sign up for electronic correspondence ). I had also recently moved. XXXX stated that they only notified card holders via regular mail. 
When I explained that without receiving any electronic correspondence and having my payments set up to automatically come from my bank account, I had NO clue that the administration of my XXXX  account had changed and I needed to make payments to them. The representative stated that there was nothing they could do to fix the error of reporting a late payment to XXXX, even though I had no knowledge of the change. 
If XXXX  wants all of their customers to sign up to receive all of the correspondence electronically and then fail to electronically notify me that I need to make payments to another company, I should not be penalized. 
I asked that the issue be escalated, and spoke with a supervisor who told me they can't correct the credit reporting error. 
I paid the account in full, and closed the account. 
I am formally requesting that the late payment report from XXXX to all 3 credit agencies be removed immediately.

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 2021-01-08
Company: CL Holdings LLC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The original account was XXXX XXXX who wrote off this account years ago which reflected on my credit report. Jefferson Capital allegedly purchased this " account '' as a secondary collection and placed a Negative Mark and Collection on my Credit Report which I challenged. The issue is that Jefferson  is falsely stating that the debt began on XX/XX/2020 on my Derogatory Remark when in fact the account was written off years ago by XXXX. The clock can not start anew and a recent date advanced which will result in a longer period of record on the credit report. 

Jefferson Capital needs to adjust the date to the actual write off date which is years ago. By their own written admission, the collection is too old for any collection attempts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: NC
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:
On XX/XX/2022 I sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. According to the FCDPA 15us 1692g the bureaus have to report 100 percent accuracy this is a violation i am demanding proof on how these accounts were validated.

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 2023-08-08
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Late or other fees

Complaint:
Td bank has put a hold on a {$7200.00} deposit for 10 days ( 6 bus days ) for " protection '', the check already cleared the writers account, which is my company, I called and offered proof, but no help or consideration Given,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I signed for this card because of the promotional period for two years, interest free. I understood from the terms that after 24 months if balance is not paid then I would be charged interest. My understanding was, I would be charged interest on what was still owed NOT on back interest that accumulated for the entire 24 months. 

From the beginning of the account, I would pay automatically from my bank the repeated monthly amount. On XXXX, XXXX, my payment was due and it was too late to pay thru bill pay. So I called in to make the payment, the balance due did not sound correct. I waited on XX/XX/XXXX to speak to a live person. Spoke to XXXX, who advised that I was charged {$930.00} of back interest, promotion expired back in XXXX, monthly payment increased so the usual amount that I was paying did not satisfy the payments for XXXX/XXXX/XX/XX/XXXX Therefore, I was charged late fees as well for these months. Thru all of this, I received no statements from Synchrony Bank. Rep confirmed that the statements were returned. With all of this, I received NO communications from Synchrony Bank. They confirmed my correct address. So it is suspicious why if statements were sent why I did not receive them. Rep initially advised nothing she can do and advised that I needed to make a payment of {$170.00} that day in order to bring my account current. An amount that as was more than 3 times my usual monthly payment amount. After advising her that I could not pay that, she finally got approval to waive late fees/some interest charges. Advised that my next payment would be due XX/XX/XXXX. She advised that she was going to report the issue so my account can be further reviewed in regards to the charged accumulated interest and I should hear from the company within a month. Magically, I did receive my first statement for the month of XXXX. 
As of today, XX/XX/XXXX, I have not heard nor received any communication from the bank in regards to my disputes, I called in to find out what was going on. After waiting on the phone for 20 minutes, 1st rep, I spoke to XXXX, advised she saw no notes to that regard. She transferred me to an account manager, who also advised that he saw no notes to that regard. I asked for the recording of the conversation, he said nothing. He then placed me on hold to further review, he advised that there is nothing he can do. He spoke to the highest authority. I requested to speak to that highest authority. I was then transferred to another Account Manager by the name of XXXX who advised that there is nothing that can be done.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I XXXX XXXX contacted TransUnion on XX/XX/2021, I spoke to multiple employees as well as supervisors, regarding the fraudulent, inaccurate reporting on my credit report. Transunion knowingly and willingly broke the law regarding the written consent that I did not authorize. Nor did I give TransUnion the authority to furnish ANYTHING on my credit report, it is a direct violation of 15USC 1682 ( b ).

Pursuant to 15 U.S. Code 1681 ( n ) Transunion willfully failed to comply with the requirements imposed within the chapter and is civically liable for knowing noncompliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-21
Company: BROKER SOLUTIONS, INC.
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
On, XX/XX/XXXX XXXX XXXX XXXX ordered an appraisal of a property ( XXXX XXXX XXXX XXXX, XXXX, GA XXXX ) in preparation for closing of a loan on this property slated for XX/XX/XXXX. I paid for the appraisal on XX/XX/XXXX in the amount of {$500.00} to XXXXXXXX XXXX XXXXXXXX XXXX. On XX/XX/XXXX, XXXX XXXX XXXX notified me that they would not be approving my FHA loan. On XX/XX/XXXX, I applied for a FHA mortgage loan with XXXX XXXX. XXXX XXXX requested that XXXX XXXX XXXX forward the appraisal that was completed on the property so that they could include it in the loan package. XXXX XXXX XXXX provided XXXX XXXX a case number, and did not forward the appraisal. I also did not receive a copy of the appraisal that was supposed to be completed on the property, as agreed upon in the payment stipulations. Because XXXX XXXX XXXX did NOT forward the appraisal, a second appraisal was ordered and performed by XXXX XXXX XXXX on XX/XX/XXXX. As the consumer, I should NOT have paid for two appraisals on the same property and I am requesting a full refund of my {$500.00} from XXXX XXXX XXXX  for an appraisal that was not provided.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-08
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
I received a threatening phone call regarding a past debt ... payday loan ... from a XXXX XXXX on XX/XX/2021 who worked for a collection agency collecting on behalf of Ace Cash Express. Even after explaining that I filed a chapter XXXX bankruptcy and it went through he still insisted on harassing me. I have blocked several of his phone numbers.but he keeps calling. The last number he called me from was XXXX and another number of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: OH
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 complaint stems from the CFPB complaint filed XX/XX/20. I expected to receive an update or some type of follow-up from the company, Equifax, to which the CFPB report dated XX/XX/20 was filed about. I have called several times and have been unsuccessful at getting any information from Equifax. As this is a US complaint, I have asked to speak to the US call center which I have been denied. I called CFPB directly for help. CFPB said they can do nothing but send my complaint to the company. I am failing to see the point of CFPB. I need help in getting my issue resolved. I have attached irrefutable support to the CFPB complaint dated XX/XX/20 but still nothing. This is not acceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Client Services, Inc.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
My digital wallet was closed by XXXX and sent to Client Services and reported ad bad debt written off..We agreed to settle the account for {$320.00} which would be full payment and account was to be reported as fully settled. I made the payments in installments on XX/XX/20 for {$150.00} and XX/XX/20 for {$150.00}. No corrected report has been sent to the credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: AZ
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
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:
I fall under thecurrent lawsuit I was only offered a forebearance, late fees, and misapplication of funds. I took out an XXXX loan that has costs me over XXXX. I have complained and nothing.

Company response to consumer: Closed with explanation