BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-12-14
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023 I paid off the Amount due of {$130.00} to XXXX balance on my Lowes/Synchrony account. In XX/XX/2023 I got a call from collection of the charge of {$75.00} that was late. At that time talking to fraud dept. I asked for it to be disputed to be started for I did not make the charge and at that time Lowes/Synchrony time closed my card and issue a new card. then the phone calls had begun some times up to 3 time a week each time I explain the problem to collection person and they when and checked on hold most case 20 to 45 minutes. I ask to be sent to fraud XXXX. and found out there had no be disputed filed again file aa dispute yup sad they did this when on until XX/XX/2023 they finely file a dispute they have until XX/XX/2023 to decide the out come. In the meant time they file report to credit companies of non payment on 30 day later and balance due credit score drop for XXXX to XXXX other companies cut lines of credit also. Lowes/Synchrony harassment , intimidation and just scare tactics to try to get amount paid no matter what and delaying to trying to get the customer to clean up their mess and pay the bill. They also did not follow Red. E requirements that is set in place by the Gov.

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 2023-12-12
Company: MOHELA
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am currently on the extended graduated repayment plan with Mohela. I was placed on this plan during Covid forbearance. Once payments were scheduled to begin, I requested the switch to the standard repayment option so that my payments would qualify for PSLF. I made the request online in my account in XX/XX/2023, followed up by multiple phone calls and emails. My account was placed in administrative forbearance in XX/XX/2023 with payments scheduled to resume in XX/XX/2023. The repayment change has still not been made despite multiple calls to Mohela and assurances that the repayment change will take place within 48 hours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2023 at XXXX XXXX XXXX XXXX, I received a call from somebody impersonating a police officer. This person threatened arrest and violence against me unless I " paid collateral. '' He told me to stay on the line via a three-way call ( claiming if I hung up a SWAT team would come for me at my work address ) and speak to my bank ( Wells Fargo ) . He was able to use my debit card number to withdraw {$2500.00} from my checking account and transfer it via XXXX  to somebody impersonating the U.S. Department of Treasury. After calling the actual police department and learning it was a scam, I called Wells Fargo three times instructing them to please cancel the transaction. Their claims agent ( XXXX ) refused to cancel the pending transaction or refund any of the money I lost. She adopted an extremely disrespectful tone with me and said I " deserved to be scammed. '' Wells Fargo refused to cancel the pending transaction three times over even though I told them repeatedly the transaction was not authorized.

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 2023-11-30
Company: WESTERN ALLIANCE BANCORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
I was charged for corporate fee of {$45.00} showed on my mortgage statement. I called and asked what the fee was for. The representative informed me that it was for the inspection fee, which I was never informed about the fee anytime during the mortgage assistance application starting on XX/XX/2023. I requested over the phone several times to request for the refund of the fee and have the case escalated to a manager on XX/XX/2023. However, until now, no one has got back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-29
Company: Experian Information Solutions Inc.
State: GA
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:
The Fair Credit Reporting Act ( FCRA ) is all about making sure credit reporting is fair and accurate. When there are violations under the FCRA, it messes up the banking system, which relies on accurate credit reports. Unfair credit reporting can also shake people 's trust in the system. So, if any of my accounts get reported without my permission, that's basically identity theft, and it's a breach of my privacy since I should have control over what's listed. Luckily, there are laws like 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2 that protect me. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for accounts listed without my expressed written consent. These accounts are not related to any transactions made by me, the consumer.

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: Freedom Mortgage Company
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Escrow, taxes, or insurance

Complaint:
I been behind on my house payment, I having issues to catch up my payment I been over paying on my car insurance, the gas car and the food expenses, I really try to catch my payments, but is hard, I am a single mom I have a good job, but for some reasons I been struggle with my payments I almost caching up, but I having more expensive, and is been realy stressful for 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 2023-12-11
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I am filing a formal complaint against Synchology Bank ( Synchrony ) I am writing to address ongoing concerns regarding my XXXX 's credit card account, previously raised under Complaint ID XXXX. 

I appreciate the efforts made by Synchrony Bank to rectify the majority of the issues outlined in my previous correspondences. However, upon careful review of the recent account statements, it has come to my attention that there remains an outstanding credit of {$61.00}. I am writing to bring this matter to your attention for prompt resolution. 

It appears that Synchrony Bank chose to close the initial account, subsequently opening a new one. The original purchase was made under the understanding of a XXXX interest-free financing arrangement. Regrettably, the recent statements reflect an imposition of interest charges, contrary to the agreed-upon terms. 

Furthermore, my attempts to address this matter through the chat option on the Synchrony XXXX 's website proved unproductive. The live agent ended the conversation prematurely, leaving me without a viable solution or resolution. I am disheartened by the lack of customer-centric service exhibited during this interaction. Instead of resorting to repeated phone calls, I am choosing this XXXX XXXX as I believe it will provide a quicker and more efficient response. 

To expedite the resolution process, I am formally requesting the following credits to be applied to my account immediately : XXXX. Interest charged in the XXXX statement : {$54.00} XXXX. Interest charged in the XXXX statement : {$52.00} XXXX. Previous XXXX XXXX owed : {$61.00} The total requested credit amounts to {$160.00}, which I believe accurately reflects the interest erroneously charged to my account. It is important to note that I have made payments covering the balance, excluding the disputed {$160.00}. 

I am genuinely disappointed by the continuous issues and challenges faced in dealing with Synchrony. As a responsible consumer who consistently pays bills on time or ahead of schedule, I expect a higher standard of service and transparency. 

I kindly request your immediate attention to this matter and a prompt resolution to ensure the credit adjustments are reflected in my account. Your cooperation is greatly appreciated. 

Thank you for your understanding and prompt action.

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 2023-11-30
Company: Experian Information Solutions Inc.
State: NJ
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:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 



Closed Account : XXXXXXXX XXXX XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency of the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-11-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2023, I noticed three unauthorized charges on my Bank of America credit card : {$190.00}, {$190.00}, and {$50.00}, all associated with a XXXX XXXX in XXXX, NC. I have never been to North Carolina and did not authorize these transactions. I reported all three charges as fraudulent online and received immediate credit. 

However, on XX/XX/2023, I received a letter from Bank of America stating, " The merchant provided documentation confirming you received the merchandise or service, '' and subsequently, I was re-charged {$190.00} as an adjustment.

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 2023-11-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I opened a store line of credit at Discount Tire to purchase tires. The line of credit is through Synchrony Bank. The loan/credit was opened XX/XX/23 in the amount of {$580.00} to be paid off in 4 months with no interest. The loan was paid off XX/XX/23 and the email states that the account is paid in full and account has been closed. 

Starting XX/XX/23, I started receiving monthly emails and letters about my pending payments and account balance. I have tried calling Synchrony Bank to fix this, but I just get passed around to different people and no one seems able to solve this problem.

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 2023-11-29
Company: Experian Information Solutions Inc.
State: CA
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:
Ive notice 6 inquiries on my consumer report which are these companies and the dates. XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX XXXX Inquiry date XX/XX/XXXX, XXXX Inquiry date XX/XX/XXXX, I want to bring to your attention that, according to the FCRA, entities requesting my credit report must certify a legitimate business reason or permissible purpose. I am requesting verification of this certification from the entity that requested my report in connection with the disputed information. If Experian or the entity can not provide evidence of this certification, it raises concerns about the legitimacy of the permissible purpose and potential violations of my privacy rights. As a consumer it is the grave responsibility of the consumer reporting agency to respect my right of privacy and furnishing my consumer report to an entity that did not provide any certification or documentation demonstrating a legitimate permissible purpose then Experian has furnished my consumer report to an unauthorized user under the FCRA it is the consumer reporting agency duty to follow reasonable procedures to assure maximum possible accuracy. If neither creditor or credit reporting agency provide any documentary evidence please delete all inquiries 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 2023-11-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
BANK OF AMERICA ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. 
I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and XXXX  refuses to properly investigate this matter and it is ruining my credit. Please remove.

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 2023-11-29
Company: LoanCare, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Loan servicing company, Loan Care on behalf of XXXX XXXX Bank, has experienced a cyber security attack and did not contact me to address the issue, still haven't. The only way we can make payment is via mailed check and the last time I did that, it took XXXX for them to post payment which resulted in me having to make XXXX mortgage payments in 1 month to avoid default. There are thousands of people affected this at the moment and we have no options to make our mortgage payments. No one with Loan Care will answer the phone and the banks it services can not help either.

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 2024-01-11
Company: U.S. BANCORP
State: MN
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:
WROTE TO THE COMPANIES TO STOP REPORTING INQUIRIES PER 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

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 2024-01-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My business banks with Wells Fargo. On XX/XX/, a false/fraudulent check for {$24000.00} was deposited by an unknown person ( written to " XXXX XXXX XXXX XXXX on the check ). We called Wells Fargo and let them know it was a fraudulent check and they said they would look into it. Almost 3 months later, they sent us a statement saying they couldn't recover our funds, which we thought was absolutely ridiculous. The case number was XXXX. We would like some better fraud protection from a large, national bank.

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 2023-12-30
Company: WELLS FARGO & COMPANY
State: DC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage
Sub-issue: Changes in loan terms during or after closing

Complaint:
I was initially XXXX, XXXX, XX/XX/XXXX informed about a 10 % down payment, a 20 or 25-year term, and a repayment period per XXXX of 3 years. However, with just 6 days left until closing, Im unsure if this is appropriate or not. Wells Fargo has already deducted {$6200.00} from my account for the appraisal and other costs. Surprisingly, they are now insisting on a {$30000.00} 2nd on my DE beach property and additional down payment to cover a valuation shortfall. Beyond the concerning low appraisal, which doesn't align with property comparables bc they arent metro accessible like the property Im trying to purchase, there seems to be an unsettling pattern that puts me at a disadvantage. As an XXXX American female business owner, the persistent low appraisal raises suspicions of an ongoing tactic to extract more funds for the closing. 

I had a previous low appraisal for another property by Wells Fargo and covered the {$75000.00} and I think this same ploy is being used. 
Im supposed to close on XX/XX/XXXX please help. 
Loan # 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 2024-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Transunion credit bureau will not allow access to my credit report. I log in to my Transunion account. I then follow the prompts and instructions on the Transunion website to view my credit report. At this point a message appears that says they are not able to fulfill my request. This has happened numerous times over the last 2 years. When it first happened I contacted Transunion by telephone and was told by a representative that I must first send to Transunion, by mail, among other things, copies of my social security card, and drivers license. I responded that I would never send this type of sensitive information via mail. I was told that I must or Transunion would not be able to verify my identity. The information that I am able to view is largely incorrect. Transunion reports a credit history that dates back to only XX/XX/XXXX. 

I filed a dispute with Transunion and on XX/XX/XXXX received a reply that my dispute results are available. I logged in to my Transunion account. I am still denied access to my credit report and my original dispute was not resolved.

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 2024-01-18
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
ACCOUNT ENDING XXXX Please be advised that I have made advance payments every month on the account more than the minimum payment due. I was on paperless billing and did not realize that my payments did not reflect during the billing cycle. I was charged late fee for the following months : XXXX  {$30.00} XXXX  {$34.00} XXXX {$39.00} I am requesting that you waive these fees. 

In addition, I overpaid {$150.00}, I am requesting that you return the credit balance.

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