BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-13
Company: GREAT LAKES
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I am trying my hardest to keep this XXXX loan account and not behind - I make payments monthly, unable to always make the full payment as I am also making payments on my other private loan accounts. XXXX is telling me there is NOTHING - NOT ANYTHING they can do to help me out at all with lowering these monthly payments. I have called XXXX of times and spoken to nearly every department and explained my situation and have gotten nowhere. I am told over and over again that because it is a private loan, they ca n't do anything about it. 

From my understanding, XXXX XXXX XXXX actually owns the loan and XXXX is the organization managing it. The loan information all comes from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07
Company: KeyBridge Medical Revenue Management
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Money was taken that I didn't owe out and didnt know why or how. My credit score dropped. Numbers on my file I don't own or have ever owned by

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 2017-03-02
Company: GREAT LAKES
State: DE
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:
My husband and I made a payment on XX/XX/XXXX for {$260.00}. We requested the payment be allocated to loan XXXX only to pay off the balance. Instead, it was allocated towards all XXXX loans ( XXXX, XXXX, XXXX, XXXX ). We 've called twice to get the payment reallocated, but we keep being told that we can only make additional payments certain times of the month. All XXXX loans are paid ahead into XX/XX/XXXX. My husband works for XXXX XXXX - he knows you can allocate this payment towards the XXXX loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: APR or interest rate

Complaint:
My promotional zero percent interest rate expired on my Barclays Bank Mastercard, but the impending expiration of that promotional rate was not noted on the credit card statement immediately preceding commencement of interest charges. Instead, that statement ( XX/XX/2016 ) reflected a 0 % interest rate on the promotionally charged amount with no expiration date for that rate reflected. Yet on my next statement ( XX/XX/2016 ) there were nearly {$160.00} worth of interest charges, and the statement reflected the new 16.24 % current interest rate. 

When I called to complain and ask that the interest charges be reversed, the customer service agent initially acknowledged the error. However, after consulting with his supervisor for permission to reverse the interest charges, he stated that the expiring rate was not shown on the XXXX statement because the rate had expired the same day that the statement had issued, meaning the statement could not reflect a future expiration date. The supervisor later told me the same thing. But if the rate had already expired at the time the XXXX statement was issued, then the XXXX statement should have reflected the new 16.24 % rate, not the 0 % rate. 

I pointed out to the customer service agent and his supervisor that they were trying to have it both ways by claiming, on the one hand, that the rate had expired on the XXXX statement date and so that statement could not reflect the rate expiration date, but that, on the other hand, the XXXX statement reflected the 0 % rate that they claimed had already expired by that time. The agent acknowledged my point, but insisted that " this is just how we do it '' and refused to reverse the interest charges. After considerable argument, she agreed to reverse half of the interest charges, but refused to reverse the rest. 

I would like the remaining interest charges refunded, and for Barclays Bank to stop these misleading billing practices.

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 2021-01-08
Company: Gurstel Law Firm, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XX/XX/2020 I received a notification of a debt due. 

This debt is not valid and I demand Gurstel cease all collection attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-20
Company: BARCLAYS BANK DELAWARE
State: VT
Product: Credit card
Issue: Late fee

Complaint:
charged a late fee for being XXXX minutes late on { XXXX XXXX 2015 XXXX XXXX } Called a few minutes later to complain, talk to { XXXX with reference # XXXX } who said since this was my first time late with this credit card { XXXX XXXX } that my late fee would be waivered and that the change would show up on my next bill. I just checked my latest bill and the late fee charge was added!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I bought a laptop from Conn 's in XXXX Texas in XXXX, with installments of {$47.00} a month. I went to their website to pay in XXXX and tendered the current payoff amount listed listed. About 6 months later A deluge of robo call and letters from Conn 's occurred, which continues to this day, saying that I owe {$60.00} + dollars further on the note. I call repeatedly to find out what this remaining balance is due to. I have sent the e-mail confirmation of my payment to the company as requested and no explaination is ever given. The harrassment continues. since I tendered the payoff amount for this note given by their website, I consider this purchase concluded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Privacy

Complaint:
It is my understanding that credit card companies should no longer be sending statements with your entire account number in them. Amazon however continues to still do this. How is it they are allowed to continue to put everyone at risk? Only the lastXXXXnumbers should be showing.

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: Bread Financial Holdings, Inc.
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The Debt Collector is trying me to pay the debt twice. I paid this debt on XX/XX/2020.Paid to XXXX XXXX, XXXX  of {$450.00}. And another collections office still says I still owe a different amount which is the same bill I wish your company would check into this since I don't have a phone number ( XXXX  XXXX ) by Comenity Bank. Than you for taking time to check this out. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: USA DISCOUNTERS LTD
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
i PURCHASED A XXXX MATTRESS SET AND THE XXXX XXXX THAT COVERS THE TOP MATTRESS RUNS TO THE CENTER OF THE MATTRESS. a XXXX AND XXXX YEAR OLD HAD SLEPT THIS BED 2 WEEKS AFTER IT WAS PURCHASED FROM USA LIVING. THEY WENT BANKRUPT AND SAID I HAVE TO PAY FOR IT. i NOTIFIED THEM RIGHT AWAY AND THEY CLOSED THE STORE AND DONE NOTHING. i WANT CREDIT FOR THE SET AND I TOLD THEM COME AND GET THEIR ITEMS RIGHT THEN. STORE CLOSED IN LESS THAN 3 WEEKS AFTER THE PURCHASE AND IT TOOK ME UNTIL XXXX FOR SOME ONE TO CONTACT ME ABOUT THIS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: AFNI INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
AFNI has reported a collection account to my consumer credit file in the amount of {$430.00}. I do not owe this alleged debt. If AFNI has the right to collect this debt in accordance with the FDCPA I am asking for validation of this account. This includes ALL contractual documents stating and proving that I am responsible for this account that I agreed to and authorized the alleged debt that AFNI is attempting to collect. AFNI has no legal right to attempt to collect a debt. AFNI has not validated this debt nor sent me a notice of collection. AFNI is in violation of the FCRA and the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
I signed up for a GE Care Credit Card and was told that the loan would be interest free for 1 year. I had a {$30.00} balance ( from a {$2000.00} ) loan remaining and they proceeded to charge me on the notional/original loan amount and charge me a predatory interest rate on the original balance without my knowledge. Subsequent to this I took out another loan on the same card and all of the money was used to pay down the XXXX loan and I continued to get charged an astronomical amount of interest. When I tried to discuss this with their representatives, they could n't explain it. I made a minimum payment of over $ XXXX/month and most of that was going to interest, when it should have all been principal. It is to my understanding that GE was ordered to payback {$34.00} to others like myself who were operating under the same false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We applied to refinance our mortgage in XXXX 2020. Our property tax was due during the process ( it was due XXXX 2020 ). I was told they would pay our property tax. I called and checked on this on three separate occasions and was assured they would pay the tax in full. XXXX XXXX came and went and it wasnt paid. A {$300.00} penalty for not paying the tax on time was added to our bill. In this process I was laid off due to COVID. When I informed them I was laid off of they denied our refinance. Now when I try to call to ask about our property tax an automated system says my social is not in their database and hangs up on me. ( We have an existing mortgage with them ). I can not get ahold of anyone. My emails are not being returned either.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-25
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am trying to modify my mortgage and I need assistance because my lender is not trying to assist me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable!

Remove the fraud account or I will push the complaint.

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: EQUIFAX, INC.
State: MO
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 XXXX2020 I sent a letter regarding inaccurate and unknown things on my credit report. it has been well over 30 days, and I have not received a response. I feel like Im being taken advantage of, and my disputes are being ignored. Section 611 ( a ) plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those accounts from my credit report. It has beenwell over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will be seeking litigation due to the stress this has caused me. My information was also impacted by the Equifax data breach and may have fell into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Synchrony Bank ( Amazon Credit Account ) closed my account without warning, the only way I found out was because I tried to purchase something and was declined. I asked them why they closed it and they said because a payment was returned. It was returned because of fraud on my bank account but they said a closed account can not be reopened. I have had the Amazon credit account for 7 plus years, great payment history, paid the balance off several times over the 7 years used it all the time and they still closed the account for a payment being returned when it was not my fault. They are by far the worst company to get a credit card through.

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: Experian Information Solutions Inc.
State: CA
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 was a victim of asset fraud. I filed a police report. I am XXXX years old and I live on minimal social security. My entire savings of XXXX was wiped out. When I went to visit my daughter in XX/XX/2019 she said we should check my credit. Since I do not know how this works my daughter helped me. We found several account Ive never seen before and so she helped me with the dispute process. XXXX and XXXX  were very accommodating and removed accounts listed on the police report. Experian continues to give me problems. First they responded saying my police report they insisted I obtain was fraudulent. Next they sent me a letter saying they would not remove the items because they dont accept 3rd party disputes alleging that my daughter completed it. My daughter resides in GA she uploaded the documents to their site that is all. I dont know how to upload. The police report was filed by me in California in my city XXXX. My daughter resides in XXXX GA. Experian is accusing me of things that are not true and I want these fraudulent items removed effective 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 2017-03-22
Company: BARCLAYS BANK DELAWARE
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Barclay Bank Delaware/Barclay Card is reporting XXXX different amounts due for a debt they allege I owe. How can it be possible that I owe XXXX different dollar amounts on XXXX debt? They are also reporting on my credit report that a recent payment has been made. According to my records, no payment has been made on this account since XXXX/2015. 
In addition, the account according to my credit report, is reporting as closed on XXXX/2015 with a payment being made on XXXX/2015. 

I would like for them to provide the original signed agreement for this alleged account and a balance on the account from XXXX to the present so that I can get more information and understand the breakdown of what the balance is and how it they 've calculated and came up with the alleged balance owed.

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: 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: Information belongs to someone else

Complaint:
XX/XX/XXXX Reporting on my Credit Report XX/XX/2018 {$2300.00} XX/XX/2018 {$1300.00}

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 2021-01-08
Company: Merchants and Professional Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical debt from 2015 in collections for the amount of {$490.00}. This amount was paid by my insurance company in 2015 and the collections account is a mistake. I have disputed the account on my credit report several times, but XXXX XXXX andXX/XX/XXXX refuse to remove it. The account is with MERCH & PROF COLL BUR XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX, TX 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 2016-09-17
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Synchrony XXXX for JC Penney Credit Card account XXXXXXXXXX ( XXXX ) and TJX XXXX XXXX XXXX XXXX and XXXX ) and XXXXXXXXXXXXXXXX SYNCB/BP ( XXXX ) reported to the XXXX credit reported to XXXX, and XXXX that I was 30 days late during various times in this loan. Payments have always been paid at the same time through my bank account. I reviewed several complaints through multiple sites about other consumers were having the same issue during this same time frame with Synchrony. I also believe there was a lawsuit against Synchrony from other consumers regarding this. It almost seems as though they had an internal problem, but pushed it on the consumer. I ask Synchrony to remove the 30 day late my above accounts on XXXX, and XXXX. As I believe this was an error on XXXX side. please remove the late notification from my report. I thank you in advance for your assistance and refund any additional interest that was charged to my accounts.

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 2016-06-27
Company: JPMORGAN CHASE & CO.
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
Chase Visa Charging Loyal Customer {$7600.00} for Chase 's Error On or about 2015 XXXX XXXX Chase Visa accepted and paid unauthorized charges totalling over {$7600.00} from a fraudulent vendor AFTER we reported the issue to Chase and cautioned Chase to NOT pay the vendor in question on 2015 XXXX XXXX. As responsible cardholders we made every reasonable attempt to warn Chase that the vendor in question ( XXXX XXXX XXXX ) was a company acting in bad faith, and that XXXX XXXX XXXX attempting to charge our Chase Visa card with unauthorized transactions. Nevertheless, Chase paid the vendor against our instructions and warnings, and is now insisting that we should pay Chase for its {$7600.00} avoidable error. The vendor in question is no longer in business. Countless hours and correspondence with Chase over the past 14 months have failed to produce any resolution. Chase continues to insist that we should pay for its mistake - even though there is a clear record that we cautioned Chase immediately against this error. Acting in good faith, we have continued to make minimum payments on the card balance, even though this balance is not legitimate, as we have continued to seek an acceptable resolution. As a result, our losses due to this egregious error on the part of Chase Visa now exceed {$9000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: JPMORGAN CHASE & CO.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Chase transferred my account to XXXX XXXX XXXX during the loan modification process. In light of this transfer, I am requesting a " goodwill '' adjustment on the reporting of this account to the XXXX credit bureaus and removal of all late reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-08
Company: EQUIFAX, INC.
State: GA
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 Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! 

REMOVE THIS ACCOUNT!

Company response to consumer: Closed with explanation