BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-02
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, I learned that my XXXX XXXX XXXX credit card was closed on XX/XX/XXXX, for reasons unknown to me. This prompted me to inquire because I received a text message from XXXX XXXX, informing me that they could not process my payment. XXXX XXXX was on auto pay under the XXXX XXXX credit card. At approximately XXXX am I contacted Synchrony Bank and spoke to a customer service representative who confirmed that my credit card account was closed and that it could not be reopened. The CSR was unable to provide the reason for closure but stated I would receive a letter in the mail within 7 10 days informing me of the reason. I contacted Synchrony Bank several times following my original call-in hopes of speaking to someone that could provide additional information as to why my account was closed. Upon speaking to XXXX, a Synchrony Bank CSR, she informed me that an additional ( 4 ) credit card accounts with Synchrony Bank had also been closed. In addition to the XXXX XXXX XXXX, the following credit cards that were closed included : TJ Maxx, Lowes Advantage, Care Credit, and Ashley Furniture. XXXX also informed me that the letter on file indicated the reason for the account closure was due to Activity on accounts shows high risk of failure to pay. I questioned if this was a generic notification as well as what was this based upon. I further questioned the reason behind the account closure since ALL my accounts with Synchrony Bank were in good standing, statement balances were paid in full each month, my credit limits ranged from XXXX XXXX, to include as of XX/XX/XXXX I received a XXXX credit limit increase on the Lowes Advantage credit card. I am unable to access my credit card accounts online to obtain statements, transaction & payment history due to account closure and my attempt to obtain a resolution remains unsuccessful. With each call, I was redirected to contact the credit bureaus. My response to the CSR was the credit bureau reports what the credit card company ( Synchrony ) reports. I also shared that closing my accounts will negatively impact my credit score which has already decreased by XXXX points, it could also potentially cause negative consequences from my employer since I have a security clearance, as well as it will likely negatively impact my ability to secure credit in the future with other lenders and/or banks. I am also concerned as two of the credit cards, Care Credit and Lowes both have promotion/interest free balance plans. What will happen to the promotion, interest free benefit? Will I be required to pay them in full? Another issue to potentially ruin my credit worthiness. In reviewing my credit report as well as other credit platforms, my payment history reflects 100 % ( positive ).

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 2022-09-15
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My account has been frozen for 2+ months now with upwards of XXXX dollars, that I can not access since XX/XX/22. I deposited a cashiers check into my branch in person, which was an inheritance from my grandmother ; it was assumed by the bank teller that it was fraudulent ( which it in fact is not, and has been verified and confirmed since this assumption ). 

Because of this, the bank [ Citibank ] restricted my account completely, and told me, in writing, that I would receive the totality of my funds and regain access to my account in 5 business days. However, the day I left the bank I had no access to any of my funds, not even what I originally had before the check was deposited. 

So the bank closed my account in suspicion that my check was fraudulent, and by the time it was confirmed to be legitimate, the bank teller had already assumed it wouldnt be ( I dont know if its because of the fact that Im XXXX XXXX ), and closed the account without confirming the validity of my check. And now the check has been confirmed to be deposited, and is just sitting in the account I cant access. 

Since my bank has been closed, I have missed : - My life insurance premium payments that I can not miss, something Ive paid on time every month for the last year that affects my future funding & credit history - my medical expenses, & have had to postpone numerous doctors appointments since I have no access to my funds, furthering XXXX XXXX Ive already had for months that Im forced to wait for now since I cant access my account- I can not pay off the remainder of my debt from my other bank, negatively affecting my credit score while Im looking to rent an apartment in the coming months - Im self employed, & my entire business can not be sustained as I can not pay for my access fees, nor can I show any of my customers what they have access to, in turn causing customers to leave my business, as well as me not having access to multiply my money, which was/is my only income source. 

- I can not purchase a car, which I need for my job Im planning on getting, as well as emergency transportation for my family.

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 2019-02-01
Company: Navient Solutions, LLC.
State: PA
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:
Student Loans are through Navient. In XX/XX/2018 I renewed my IDR through Student Loans.gov. In XX/XX/XXXX I called Navient and a girl couldn't locate it, so I called back and spoke to a guy who said he did locate it, but it was not processed. He said he would put a rush on it and in the mean time do a forbearance to bring account current through XX/XX/XXXX. I did that, and in XX/XX/XXXX I began getting mail, emails and phone calls about payments. I called them in XX/XX/XXXX and the girl said it was still being processed. Now we are at end of XX/XX/XXXX and I'm still getting phone calls, statements and emails that I'm behind in payments and that I should do a forbearance again. I sent them an email stating that I would not do that and that they need to do their job and process my IDR. I even check on the website and it was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13
Company: DISCOVER BANK
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
As of right now the following the companies are reporting income to the XXXX top credit reporting agencies XXXX, XXXX and XXXX. XXXX XXXX XXXX XXXX, Discover Bank, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX is not part of any of XXXX, XXXX or XXXX credit reports. This needs to stop immediately. According to XXXX 's own web site It states " Your credit history does not include income information. See provided upload. 
And according to the IRS web site publication 525 and 4681 see provided uploads The IRS clearly makes it known that XXXX is to be considered income. And as such income is not a debt and income can not be reported to the credit reporting agencies. Therefore the XXXX ( XXXX ) XXXX 's uploaded along with the IRS publications and as well as XXXX confirming that income can not and does not get reported to the credit reporting agencies. XXXX, XXXX and XXXX must remove deleted all income from being reported to my credit reports In summary it is abundantly clear by all parties IRS, that cancelled debt XXXX is considered income and according the credit reporting agencies themselves income can not should not and does not get reported to the credit reporting agencies. 
thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-10
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
The following accounts have been re-aged creditors reporting the wrong open/collection date fraudulently making the account look like it's new than it truly is. 

Account Name Original Creditor Common wealth financial XXXX XXXX XXXX ( XXXX, XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX / Formally known as XXXX XXXX ( XXXX/XXXX ) XXXX XXXX ( XXXX ) XXXX ** XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Under Federal law late payments are illegal to be added on consumer reports without being given an opt out notice. I was not given an opt out notice

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 2020-04-08
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a letter from Synchrony Bank dated XX/XX/2020 that explained that a credit card through PayPal was denied. The application was attempted on XX/XX/2020. 
I did not apply for a credit card from PayPal. 
I called Synchrony Bank, PayPal division. I was told that since the credit card was denied there was nothing for them to do. 
I have 2 department store cards that are also through Synchrony Bank. I explained that I wanted it investigated that my information was leaked from those cards. I was told that even though all 3 were backed by Synchrony Bank there was no way that my information was leaked. They refused to do anything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
this company XXXX has violated the HIPAA law ( health insurance portability and accountability act of 1996 ). this company has yet to validate & verify the debts are questioned. i have sent various letters to these creditors and debt collectors but no one is complying with the FRCA law i have disputed with the credit bureaus XX/XX/XXXX they have responded with the debts being accurate however has not provided and release forms signed by me or even provided any documentation verifying the debts also, per 15 U.S.C 1681 there should not be any damages on my report it is a deflamation on my 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 2017-03-25
Company: TENET HEALTHCARE CORPORATION
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I 've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Central Final Control. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Central financial control in regards to this matter. The FTC also instructed me to complete a theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This complaint is being filed in response to TransUnion being fined by the CFPB and FTC in XX/XX/ for its perpetual wrongdoing to consumers and violating the Fair Credit Reporting Act. I am affected by their unfair and unlawful practices. A joint account from XXXX XXXX XXXX XXXX XXXX  ) was deleted by XXXX after it was disputed. I requested that the same account also be deleted from my TransUnion credit file in order to be in compliance with the FCRA. However, my request was repeatedly denied and the account wrongfully continues to be reported. TransUnion 's actions reporting this inaccurate information is having an adverse effect on my credit report when applying for any type of loan. I respectfully ask that the CFPB enforces the FCRA on my behalf and instructs TransUnion to immediately delete the XXXX account. I also want to be fully financially compensated from the CFPB 's Order as allowed by law.

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 2017-02-14
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Back in XXXX of 2016 my CC exp. And i was not issued a replacement card. For three months i called and requested a new card, but XXXX was never received. I continued to express my frustration ; while paying my bill. During the fourth month, i stopped payment and requested the card once again. At that time i was told that a card was not going to be issued, due to me having a late payment. Taking it up the chain and once again expressing my frustration with not being able to make purchases due to me not having the card. I was told nothing could be done for me. At this point i closed the card. After that ive been hit with a lot of fees. Ive tried to resolve the issue and i keep getting told that they ca n't help. The acct has hit collections, but in no way do i feel like im responsible for the balance that im being told. Im greatful for your assistance. Thanks in advance.

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 2020-04-08
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I began my loan with Navient in 2011 where my student loan balance began at {$54000.00}. I have done 3 forberances during the time of the loan. However, since the inception of the student loans I have paid {$39000.00} in total payments with {$29000.00} going to interest and only {$9100.00} to principal which seems more insane than a payday loan. In addition, looking at my monthly statement each month a drastically different amount goes to interest versus prinicipal. When I called to inquire what my payoff of my loan is they say it is {$61000.00} when the original loan amount was only {$54000.00} and I have made total payments above. This makes no sense and seems very predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

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 2023-04-02
Company: Experian Information Solutions Inc.
State: IL
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:
I reviewed my consumer reports and noticed that I had 5 late payments on an account that I was never late for. Consumer reporting agencies have assumed a vital role and have a responsibility with maximum accuracy. I have never been late on payments for the account : XXXX XXXX XXXX and XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks YOU!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: EdFinancial Services
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I graduated in XX/XX/XXXX from graduate school and have my student loans serviced by Edfinancial. On XX/XX/XXXX, I received an email from Edfinancial that my account was " 11 or more days past due ''. However, I had not received a statement and had no information on my account as to when the original due date actually was. I paid the amount due on XX/XX/XXXX, and a day later on XX/XX/XXXX received an email on that my account was " 45 or more days past due ''. I called the company that week and stated that I never received a statement prior to any deadline and could not find a deadline anywhere on the website, but regardless paid the amount they said was due. The Edfinancial representative then told me that these messages were sent to me in error, and that I did not have any amount due, nor any amount past due, despite receiving these two official emails. They also stated they submitted a request to ensure that I receive monthly statements. However, on XX/XX/XXXX, I then received three emails stating that my " in-school deferment request has been approved ''. Again, I graduated in XX/XX/XXXX. I am not currently in school. My status is still as " graduated repayment '' but my first due date is n't until XX/XX/XXXX. I have not asked for anything special here ; simply for the company that holds my student loans to be accurate and forthcoming with when and how much I owe along with my repayment/deferment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: Experian Information Solutions 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:
XXXX information must be deleted from my report as soon as possible. The information is inaccurate and misleading and as such represents a very serious error in your reporting. 
Under federal law, you have ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 3015 U.S. Code 1692e - False or misleading representations ) days of the completion of your re-investigation.

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and 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 non-monetary relief
Consumer complaint received 2015-06-26
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am in the midst of a very difficult divorce. I was left with XXXX college aged children. My mom had just died and her house was destroyed by a burst pipe last year. During this time, I accrued a medical bill which I felt was unfairly inflated. I put it aside and forgot to address it due to my overwhelming present life situation. A few months ago, I tried to contact the now debt collector after trying to discuss the bill with the doctor 's office first. I am willing to pay the original amount for the medical bill but not the huge debt collection add on. Nobody is willing to comply. The original bill is for {$220.00}. The visit did n't even actually help. The original problem that I went there to be treated for still exists. The agency is asking me for {$310.00}. I refuse to pay extra {$91.00} for the collection fee. I need help with this. I feel helpless and I am trying to do the right thing even though I feel the original bill itself was inflated.

Company response to consumer: Untimely response
Consumer complaint received 2023-10-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I appreciate you making the effort to update and repair some of the data on my credit report, but there are still accounts that need to be fixed. The XXXX Credit Bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that these disputed accounts will be resolved as soon as possible. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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