BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-09
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Equifax continues to report a released and withdrawn tax lien even though I have disputed the incorrect information XXXX times and have provided Equifax with the XXXX documents that clearly state the lien has been released and withdrawn since XXXX. I am getting absolutely no where with Equifax. Equifax is the only credit bureau reporting this information. Equifax is doing harm to my credit and is causing me distress while I am attempting to apply for a home loan. I can not secure the most favorable rates and terms that I am entitled to. I 've also attempted resolution by speaking with an Equifax XXXX and the Supervisor. My attempts at resolving this myself have failed due to Equifax terrible customer service. I really need CFPB assistance and thank you in advance for your prompt attention to my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I noticed a new address was reported to my Equifax credit account. My address is the same in XXXX, NJ and the name does not match also. My name does not have an XXXX in the end of my first name.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have never received monthly mortgage statements from SETERUS, Inc. SETERUS XXXX Inc. began servicing my mortgage in XXXX XXXX. I requested monthly mortgage statements via telephone in XXXX XXXX. I was told to make a written request to SETERUS. On or about XXXX XXXX, XXXX, I mailed a written request to SETERUS, Inc asking for monthly mortgage statements to be mailed to me and I requested an account payment history showing payments that I have made to SETERUS, inc. since they started servicing my mortgage. As of XXXX XXXX, XXXX, I have not received a payment history nor have I received a monthly mortgage statement as I previously requested in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I sent a dispute letter to the bureaus ( XXXX, Equifax , and XXXX XXXX ) this past XXXX 2015 requesting that they remove a Ally Financial debt of {$4000.00} that does not belong to me. They never removed the debt, but stated that it would remain in my credit reports. I investigated this debt and Representative XXXX ID # : XXXX/Branch # : XXXX at XXXX confirmed on XXXX XXXX, 2015 that they have no record of this debt in their system with my name, social security, nor address. Please, investigate and find out why the bureaus are not investigating debts properly and doing the job that they are responsible for ; which is resolving disputes as accurately as they can. Your attention to this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
On XX/XX/XXXX I voluntarily repossessed a vehicle with XXXX. On XX/XX/XXXX, that showed on my credit as a charge off for {$8900.00}. XXXX contacted me on several occasions asking me to settle the account, I declined. In XX/XX/XXXX , XXXX reported XXXX late payments to Equifax , I was able to remove these from my credit report because I disputed the inaccurate information. On XXXX of this year , XXXX again reported a late payment. Now, the account was closed in XXXX of last year. I spoke with the credit bureaus and they agreed that this act was in violation of the fair credit reporting act, however they refused to remove the false information. XXXX is attempting to prolong its time on my credit by reporting on a closed account knowing that it can stay on my credit for seven years after the last activity. I am working with a home loan program that looks only at the last two years of credit and therefore this account would not be a factor in determining my eligibility for a home with them if they are not allowed to falsely report activity. I am asking that the account be removed from credit in all XXXX bureaus because the company has proven to be irresponsible in reporting information. I have proof via prior credit reports that this account was closed and charged off in XX/XX/XXXX. upload screen shots of said proof

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: SUNTRUST BANKS, INC.
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My father 's health is failing and he has XXXX XXXX. He has XXXX daughters of which XXXX is under indictment XXXX, her arraignment was yesterday ( XXXX XXXX, 2015 ). Myself and another sister gained joint POA over our father in XXXX 2015. The XXXX daughters united and currently have a civil case against the XXXX under indictment. This XXXX sister called Suntrust Bank and said that my fathers account was being used fraudulently and that it should be investigated. Suntrust put a freeze on my fathers account, jointly owned with my sister who has joint POA and is the XXXX party payee for VA for my father. He has no income now and they can not make their house payment or pay for monthly medical expenses. There is no court order to freeze and no valid reason to freeze. On XXXX XXXX, 2015 we sent a copy of the POA, a letter from the XXXX XXXX XXXX, and a copy of our case against the sister under indictment ( the XXXX who called Suntrust and requested investigation ). We had the Detective call Suntrust Bank and talk to the individual who put the freeze on and she still would not listen. The representative for Suntrust, XXXX XXXX XXXX, was unwilling to discuss or offer a number that we could call to dispute. She said ... '' get a court order to remove the freeze ''. My father is without funds and has no way to support himself. My sister does not work and is the fulltime care taker for my father. We will now retain an attorney in Tennessee to fight this but the bank had no documentation to support this freeze and is discriminating against my sister for unjustified and undocumented claims.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: AES/PHEAA
State: SC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My federal student loans are handled by XXXX XXXX ( PHEAA ). 
On XXXX XXXX, XXXX I uploaded a complete packet of materials requesting that my loans be moved from IBR to REPAYE. ( Uploaded XXXX as I always do for IBR paperwork. ) On XXXX XXXX, XXXX I received a notice that I was kept on IBR and my amount was the same. 
I called immediately after receiving that notice and was told the person who processed my application made an error and thought I had not requested the {$5.00} forbearance. The representative told me she would get it re-processed and I would be on REPAYE within XXXX10 days. 
I heard nothing and was still on IBR so called again on XXXX XXXX. I was told it was still in the works and to call back on the XXXX if I did not hear back. 
I heard nothing so I called back on XXXX XXXX and I was told it was being processed that day and that I should NOT pay my bill due on the XXXX. I clarified this with the rep multiple times to be sure I understood correctly that I should NOT pay my XXXX XXXX bill. He was adamant that I NOT pay. He said the {$5.00} forbearance would cover XXXX. 
I am now 11 days past due and have not heard anything back. My account now not only shows my past due payment but also the full IBR amount due for XXXX, meaning that my payment is still on IBR and the XXXX bill was not covered by the forbearance as promised. 
I sent an email on XXXX XXXX, XXXX with all this information requesting some assistance and guidance. On XXXX XXXX I received a reply that was only generic boilerplate about repayment options. 
It has now been 75 days since I originally submitted my request to move to REPAYE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I originally requested that my entire credit history be reported because certain items were removed that were causing my credit score to drop. Their response to my original complaint was totally noncommittal but when I received my credit report with score it showed that XXXX of the XXXX key factors that affected my credit score were that the age of accounts in my credit file were insufficient and that i had no account history of mortgages ( see attached ) However when I went to Equifax to make a dispute The first XXXX accounts that showed up were for a mortgage and a home equity line both of which were paid in full in 2008 and therefore do not meet the 10 year guideline that the other XXXX credit reporting agencies are hiding behind and in fact equifax states that the law requires them to remove derogatory credit but not beneficial credit after 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is continuing to report erroneous information in referenc to XXXX accounts that do not belong to me, have no/cancelled contract, and have been previously deleted and reinserted.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: APR or interest rate

Complaint:
I have had a B. P. gas card for over ten years now, never paid late, my interest raye as of XX/XX/XXXX was 21.49 % now since syncrony bank has taken card over, rate has increased to 27.24 % an increase of 5.75 % or ruffly 26 %, I feel as a loyal customer this is unfair, and would like to know on what do they base % on?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I began contacting Barclay/Juniper for an account I had in XX/XX/XXXX. I had filed bankruptcy in prior years and came to learn three years later that Barclay/Juniper ( amongst others ) had increased my interest rate from or about 3.5 % to over 29 %. At no time did wIe miss or was I late on a payment. Barclay/Juniper, along with several other credit card providers, discovered the bankruptcy, in which I did NOT include any credit card debt I owed, and started slowly increasing the interest rate. After several years of paying the invoices I discovered the large increase and notified each credit card company that followed this process and demanded that they reduce the rate and provide a refund. Many did but Barclay/Juniper did not. I quit paying on the card and continued to demand a refund, which would have resulted in me owing nothing on the card. In XX/XX/XXXX, when the write-off showed up on credit report, I began writing Barclay/Juniper, the credit reporting companies and eventually a collection company that contacted me about the debt in an effort to have the charge off removed from my credit report ( see attached letters ). Along with the letter I provided a spreadsheet showing each invoice from the beginning of the account, when it was paid ( to show they were not late ), the interest listed on the invoice and paid, the amount of interest that should have been invoiced and the amount of overpayment ( see attached ). I also requested information that was outlined in the Fair Debt Collections Act in each letter. I have just been turned down for a mortgage refinance on my home because this item is on my credit report. My savings in monthly payments due to the reduced interest rate would have been over {$1200.00} a month, a loss of roughly {$72000.00} over the next five years. 

My wife had a Barclay/Juniper card and had the same problem. Her debt was eventually sold to XXXX and a similar letter and spreadsheet was provided showing she did not owe the debt. XXXX immediately relinquished her from the liability and removed the debt from the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, XXXX - XXXX XXXX/XXXX/2015 XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX Account # XXXX SSN # XXXX I requested to upgrade store card to visa card and call center agent advised me re apply again to get a visa card.I did applied again on XXXX/XXXX/2015 and I got approved another store card credit line of {$2500.00} ( Last XXXX account number ending XXXX ) After I contacted call center again they said they given wrong information for re-apply new account. 
I advise them please combined my limit up to {$5000.00} and closed the account ending last XXXX number XXXX. And they agreed removed hard inquiry on XXXX/XXXX/2015 and as well as removed accounts ( # XXXX ) Major Credit bureau files. 
Right now I can see credit department closed my account ( # XXXX ). Still hard inquiry and accounts remains my credit Bureau files.No credit Llimit combined and no upgrade card to visa card. 
Please resolve my issue as soon as possible. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-10
Company: Perfection Collection
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A claim was filed on the original creditor XXXX XXXX for breach of contract, the vendor agreed to settle the dispute for {$240.00} per the resolution terms through the XXXX. Perfection Collections provided no written notice that this was referred to their offices. I learned of the issue because of credit file alert on XXXX/XXXX/16. I contacted the debit collection agency to try and get information. I was accused of ignoring the debit and not paying my bills. The operator XXXX XXXX was extremely unprofessional and he pushed my buttons. I was ultimately able to learn that debit was reported for {$1800.00}, not the original settlement amount of {$240.00} to end the contract. I also learned that that XXXX XXXX provided them with an incorrect contact information. This was the original reason for the breach of contract with XXXX XXXX. This is not the first time that this company has referred this issue to a debt collection agency after settling the debit through the claim with XXXX. 

I will obtain a copy of the filing with XXXX ... this can be supplied at a later date.

Company response to consumer: Closed
Consumer complaint received 2016-12-08
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
When i was a day late, XXXX 's began calling me several times a day, up to XXXX, thus being harassing in collecting a small payment. I have been an ideal customer and made on time payments for over XXXX months. I finally gave in and returned their call today at XXXX pm and told them i would be making my barely late payment tomorrow. They informed me the calls would continue until the payment posted. I asked to have my phone number removed from my account as i do not have unlimited time to devote to their harassment. they agreed, and at XXXX they called me again. they need to be penalized for harassment, XXXX phone calls in XXXX day is complete overkill.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received at least XXXX emails regarding a credit card that was activated in my name, which I do not have and did not apply for.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have sams club master card.I have XXXX stores and all seperate sams club master card.Every week we buy from sams club and pay off.I have {$15000.00} credit limit and every week I buy more than {$12000.00} cigarettes and grocery for my store. Synchrony bank said every week you are paying is unusual payment activity and they close my all three account and he fortified my more than {$7000.00} rewards, I called couple of time he said open new account, I said I dont want to open new account because may be you close account again and you fortified my rewards, I told sams club manager XXXX, XXXX and he tried to open my account but Synchrony bank said no more rewards, so If they closing my account I have no problems but I need my rewards back because it is allmost {$7000.00}

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 2017-02-23
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Other

Complaint:
We sign up for a free 30 trial service with XXXX. We do n't like it so we cancel within the prescribed period. XXXX sends monthly charges to my credit card anyway. 

XXXX says they wo n't talk to me because I ca n't recite the E-mail address I used to create the account. Although I can recite everything else ( cc #, Address, etc. ). The credit card company says there is nothing they can do because I have a legal agreement with XXXX. 

So, now I wonder what you guys have been doing for the past decade? I ca n't be the first with this problem. My complaint is against YOU. YOU have done nothing to protect consumers against these corporate giants?

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 2016-08-22
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Walmart Credit Card that was issued in 1977 recently closed out due to inactivity for a few years. I was not notified of this in advance according to California civil code 1747.85. 

I contacted Walmart by phone and they refused to re-open the account for me. I was very disappointed to lose this credit history of 39 years!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank ( working for XXXX ) is not giving appropriate time to receive my billing statements & for me to return payment before they are charging {$40.00} late fees. Synchrony Bank customer service & their supervisor say that they are only required to mail my bill 20 days before the due date, but it is taking 10 days for me to receive the statement. Then, I mail the statement back with payment with 2 days of receiving it ( which is not always feasible if I am traveling or it falls on a weekend ), and then they are taking up to 10 DAYS TO PROCESS THE PAYMENT!! They seem to deliberately be delaying the process, and then THERE IS NO GRACE PERIOD AT ALL before they charge a {$40.00} late fee on a {$200.00} payment/installment. They have charged me {$120.00} in fees in the last year and a half, and I have made every attempt to send my statement back within a couple days of receiving the bill. Customer service was no help at all and said they are n't even required to send me a statement?? I think they are intentionally dragging their feet on processing payments to charge huge late fees!!

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 2016-11-11
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Other

Complaint:
I was never late in paying my GECRB/Shaw. The account was on autopay set up through Synchrony Bank and that had been the mode of payment since establishing the account. I paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was 30 days late, four times for account number XXXX and that my account was closed by grantor. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Synchrony Bank they refused to take this enormous mark off my credit. That account has a zero balance and was closed at my request. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX and XXXX off my credit report.

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 2016-06-26
Company: SYNCHRONY FINANCIAL
State: VT
Product: Credit card
Issue: Other

Complaint:
SYNCHRONY BANK offered to upgrade my Paypal Smart connect to a Paypal Extras Mastercard. According to all paperwork given, the new account would have all my account history transferred over. My old Paypal SC account has been closed on my credit report and a new account for the Mastercard open with a new account date of XXXX XXXX instead of XXXX XXXX. This has caused my credit score to drop as it looks like i have sought and received new credit when infact it is the same credit line as before but under a different product type. As such, this violated the Fair Credit Reporting Act, which requires the bank to report only accurate information. Stating that i have opened a new account, when in fact i have not. I could understand if i initiated the upgrade, however the bank did and not me.

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