BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-01-31
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The card Exp was in XXXX I canceled the account in XXXX I paied all past balances and interest on spirit card offered by bank of America with no Annual fee so I took it in XXXX by XXXX they sent me a letter telling me they were going to start charging me an annual fee of XXXX a yr so I paied them what I owed plus interest and canceled the card it's on my credit report still u want it off then this man contacts me from XXXX XXXX in XXXX XXXX gives me his name and number and Ext tells me he will send a full repot to my E-Mail I get a 2 line letter in the mail and it tells me the matter is closed and there not changing anything I filed a complaint with XXXX of XXXX North Carolina with a pic of there letter the letter offers no Explain of why and this XXXX XXXX  from XXXX XXXX in XXXX XXXX doesn't answer his phone now interesting I want this off my credit report thank u

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 2024-02-01
Company: Freedom Mortgage Company
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I made my mortgage payment on XX/XX/XXXX but the mortgage company says that due to company policy, they will report it as being made on XX/XX/XXXX. I told them that this would lead to me being reported as over a month late and that is incorrect. They said that their company policy has the day ending at XXXX XXXX  and not XXXX midnight. I told them that is fraud to say XX/XX/XXXX is XX/XX/XXXX. I escalated the call and they keep repeating that payments made on XX/XX/XXXX can be considered made on XX/XX/XXXX. I want my payment to be accurately reported and I do not want to have my credit score negatively affected because of Freedom Mortgage 's fraud. I have been trying to rectify this situation all day.

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 2024-01-30
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Telecommunications debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Credit Coll XXXX XXXX XXXX XXXX, MA XXXX XXXX This collection agency sent me a letter stating I owe {$30.00} from XXXX. I reached out to XXXX directly and they assured me I didn't owe anything.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency furnishes an account without my written instructions.

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 2024-01-26
Company: Amsher Collection Services, Inc.
State: CO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Credit report shows name of collection agency ( AmSher ) with outstanding debt of XXXX. It appeared this was initiated in 2021. I tried contacting agency and was twice redirected to scammers. I contacted company ( XXXX XXXX ) where debt originated and of course, they have no record of me, my name, address or other info that would indicate I had ever done business with them. I contacted XXXX and FTC and now am trying to jump through all these hoops to get the fraudulent report removed from credit record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09
Company: Experian Information Solutions Inc.
State: TX
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 am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : 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 explanation
Consumer complaint received 2024-01-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I, the consumer and natural living person, was denied credit by Synchrony Bank when I applied for a credit product with Belk.

Denial of my rights to credit is against the law according to the Equal Opportunity Credit Act and you are subject to criminal liability for violating 15 USC 1691 as I have pr
oof I was discriminated against by Synchrony Bank due to the response I received.

I, the consumer, made an application in good faith, but credit was not issued. Hence, Synchrony Bank is in violation of 15 USC 1642, 15 USC 1681m, and 12 CFR 1002.

Because my social security number ( credit card ) was used and I received NO Benefit from entering this contractual agreement. This is proof of securities fraud and unauthorized use of my personal credit card by Synchrony Bank. 

If Synchrony Bank denies to make any reasonable effort to remedy this situation and compensate me for the use of my securities ( credit card ) I will make Synchrony Bank criminally and civilly liable for all actual damages pursuant to 15 USC 1681n and 15 USC 1681o.

Failure to remedy this situation will result in an invoice for {$1000.00} per violation. 

Thank you, XXXX, XXXX XXXX ( Agent/Beneficiary ) Without prejudice All natural inalienable rights reserved

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 2024-02-06
Company: WELLS FARGO & COMPANY
State: CT
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
I entered into a settlement agreement. Im making required payments plus {XXXX}, but for some reason I keep getting knocked out of the settlement agreement.

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 2024-01-30
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit reporting 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 fraud protection with XXXX. Received an alert about a suspicious account and was directed to call Barclays about the account wrongfully being in my name. XXXX did all what they could do on their end and investigated. XXXX came back and stated to the account was legitimate. I then call Barclays myself using numbers XXXX and XXXX. They kept asking for the account ending numbers XXXX. I did not enter the numbers because I did not want to wrongfully activate this account that do no belong to me. Never got the opportunity to speak to a representative. Barclays sent me two letters saying they recognize the dispute but the account is accurate. Once again this is not true I have tried several times through both agencies to clear this up. Just now, I received another alert from XXXX that the same Barclays account ending in XXXX have a address on my profile. XXXX XXXX XXXX XXXX, PA XXXX. This is fraud. I know no one in that State and this account is not mine. This is the third agency I have reported to fraud too. Barclays was not helpful at all. I am doing everything to communicate this is fraud. Barclays have no proof the account belongs to 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
Consumer complaint received 2024-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i deposited a check to my bank of america account and was told i woukd get a credit next business day and check would clear in 2 business days. next day i recieved a notice on my banking app showing it would be 5 business days. XXXX days after i recieved a notice it would be an additional 3 business days. they refused to speak to check issuer and his bank to verify and they do not give me a specific reason as to why the hold is being delayed even longer. the check issuer checked with his finanical institution and the funds are no longer in his account and it was posted cleared from his financial institution. my attorney wanted to speak with bank of america with me on the line and they refused. when i asked bank of america rep if i can take documentation showing verification of the deposit they refused. i was told they use a " 3rd party institution which was called XXXX XXXX XXXX '' and not ACH system to deposit and clear checks. Which when i told them ACH is an abbreviation for XXXX XXXX XXXX she responded that its a completely different " entity ''. they lied are disrespectful and refuse to clear my deposit.

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 2024-01-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have got Lowe 's store credit card by synchrony bank. 

Here is the detailed events as it happened over the months, XXXX : I have used the card to install fencing around my house and that costed around {$7500.00}. It was applied to an promotional balance category. That means that I have about 24 months to pay it off. I immediately setup an automatic payment of {$400.00} towards it. so that it pays off on time. 
XXXX I have bought couple of more items in the store and used the same credit card. The total was around {$500.00}. 
I called and made a payment for that purchase. But in the next statement, It did not pay off those {$500.00}. Instead of applying towards this non-promotional balance and they applied it towards the promotion balance, Even though I specifically asked them to pay it towards non-promotional balance. Due to this issue, the statement shows extra fees, interest, etc. 
XXXX : I called to them to correct this issue and adjust the payment appropriately, so that I don't have to pay the fees. the customer service person told me that this will be corrected in the next statement, but the issue remained. 
I called many times over the months and explained them about the issue. but the issue is not getting resolved. I am still having the balance, interest & fees on the last statement. it is apparent that Lowes / Synchrony bank does not allow users to make the payment towards the non-promotional balance. so that they can charge fees as they like. 
Here is the history of all the phone calls ( I have gathered this after taking with customer service ). 
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( Customer Service - 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 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 monetary relief
Consumer complaint received 2024-01-17
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I have three difficulties with Synchrony Bank. I signed up for a loan for a mattress. I was told it was to be a zero percent loan as long as payments were made on time. All payments were made on time except one payment which was less than 1 month late. I sent in the late fee so that the fee would not alter the loan agreement. After a couple of years of automatic payments I thought the loan should have been paid so I contacted Synchrony to inquire and found that the loan had been changed to an interest rate of 29.99 %. 1-Synchrony didn't contact me 45 days in advance of this interest change as they should have per California law . 2- I asked Synchrony for the amount I'd paid so far and they refuse to inform me. They did send me paper statements but these do not show payments. XXXX I found some random miscellaneous charges on my statements which I can't make sense of. Perhaps the collection of these random charges are what put my loan past the zero percent interest period.

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 2024-01-23
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage
Sub-issue: Delays with the closing process

Complaint:
Mr. Cooper seems to be purposefully delaying the closing process. I am the seller and I am selling my home through an assumption process. We have been under contract since XX/XX/XXXX. We have a closing date scheduled for XXXX XX/XX/XXXX, and Mr. Cooper keeps inventing new forms and request from the buyers that theyve already provided. They refuse to issue the closing disclosure until they receive a pay statement from the buyer that will not be generated before the closing disclosure is due. The pay statement will post on XX/XX/XXXX and Mr. Cooper insists it is required before issuing the disclosure. I am also under contract to purchase a home on XX/XX/XXXX and that purchase is at risk if we delay closing any further. Mr , cooper will not return my agents calls for information on this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-21
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
banknof america froze my account i have no access to my account online or at atm i cant use my atm card cant ask what my balance is and they say they have to verify check dwposit lied ans said they trued to call check issuer XXXX XXXX they them said he needs to call but wont give refrence number for.him to call. they refuse to speak to him but tell me they are " trying to speak to him ''. he is also my attorney he tried to speak to the bank. they refuse to speak to him but tell me.they need to speak to him. my money has been frozen i cant access account nor can i see my balance. cant use mobile banking. wont tell me my balance. and they wont give me reason why. please help me they are being crazy at this point. i cant provide my account number because they deleted my online access!

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 2023-11-24
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I noticed this company reported this account as a charge off, however they never provided me with a copy of the 1099C. They company was suppose to legally send copy of 1099C.Bank of America canceled and forgave this debt with the IRS.

There has been inaccurate reporting on my consumer report as debt. ( 15 U.S.C. 1681 ( e ) ( b ) ). 

BANK OF AMERICA - XXXX XXXX XXXX Opened : 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 explanation
Consumer complaint received 2024-02-02
Company: Experian Information Solutions Inc.
State: NJ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XX/XX/XXXX Company- XXXX XXXX XXXX XXXXXX/XX/XXXX Company- XXXX XXXX XXXX XXXX XXXX  Company- XXXX XXXX XXXX XXXX Company- XXXX XXXXXX/XX/XXXX Company- XXXX XXXX XXXX Company- XXXX XXXX XXXX XXXX Company- XXXX XXXX XXXX XXXX  Company- XXXX XXXX XXXX According to 15 U.S. Code 1602 ( p ) these companies are in violation of unauthorized use of my credit for I received no benefit due to no accounts being opened.

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 2024-02-08
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/XXXXXXXX  I paid Barclay Card for a credit card I had with the back in XXXX  this was a charged off closed account. I paid them {$1100.00}. I asked them for a receipt proof of payment. The agents I spoke with refused to provide proof, and told me if you see the money is not in your account that's your proof that Barclay took your money. The agents were very rude and unprofessional. I filed a complaint against Barclay with the FDIC Ref. No. : XXXX Re : Barclays Bank Delaware. And I was told it was forwarded to this company.

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 2024-02-06
Company: Panamerican Consulting
State: IN
Product: Debt or credit management
Sub-product: Credit repair services
Issue: Didn't provide services promised

Complaint:
I contacted Pan Am approximately a year ago. They began withdrawing XXXX XXXX monthly to apply towards my creditors. Since that time I am being sued by several of the creditors involved and they have informed me that they have not received anything from Pan Am. I contacted them after finding out I was being sued XX/XX/scrub>XX/XX/2023. They continued to charge my bank account {$71.00} per month. Since then I have learned that nothing was applies to my accounts. I am now faced with bankruptcy

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with monetary relief