BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-08-11
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is regarding TD Bank, Routing number is XXXX and my account number is XXXX. 
I made the deposit with the branch manager verifying the check. The account was open with the bank manager present and not only has TD Bank fraud department put a hold on the check, they just returned the check and said I am short {$14000.00} in the account. I just put {$16000.00} into the account to cover the 1 day hold, but I do not keep this type of money in my savings. Below is the new reason why the check is no good and now they are freezing the account of the maker of the check. 
Read below : The issue is the handwriting of your name doesn't match the rest of the check, so our back office team says the check was altered. It triggered the check being returned and XXXX account being frozen because of it. I'm on hold trying to work with them on a resolution as I type this. 

The branch manager saw the check being written, the branch manager was there when the funds were deposited, In the name of XXXX, I have done everything that I can to do this correctly. TD Bank is just digging in their heels and trying to cover there mistake with different reasons and lies. Why can they just say, my mistake and fix the problem instead of messing with people 's lives and businesses!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
PayPal banned my account, without clarification what is my violation.

i need my PayPal account back, for my Business payment Platform.

then suddenly they sent me an email that " you can no longer do business with PayPal ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: ACIMA CREDIT, LLC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XX/XX/2022 I purchased a sofa and recliner from XXXX XXXX XXXX through a leased to own company called Acima. 
I received the sofa on XX/XX/2022 the recliner was on back order and to be delivered by XX/XX/2022. 
Acima offers a 90 day same as cash option for lease items, I paid my lease on XX/XX/2022 well within the 90 days. I did not receive my recliner the furniture store kept pushing the delivery date out further than expected so I decided I did not want the recliner due to it not being delivered in reasonable amount of time as promised. 

I contacted Acima on XX/XX/2022 to request a refund for the recliner the customer service rep. told me it was out of their hands since the lease was paid and closed, and referred me back to furniture store. I contacted my credit card compony on XX/XX/2022 and filed a dispute for {$890.00} for the recline I did not receive. I contacted the furniture store on XX/XX/2022 and informed the of the I wanted a refund for the recliner they agreed. 
On XX/XX/2022 XXXX refunded my total final payment of XXXX I did not ask for nor did I dispute that amount. 
Now Acima has reopened without my consent, the lease that I paid in full over a month ago and trying to say the account is in collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: Zions Debt Holdings
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This company is trying to collect a debt that i dont even know who this company is. They just place information on my XXXX  credit report without my oersmission. I would like this company to validate the debt they are trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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 information incorrect

Complaint:
1. XXXX XXXX 2. XXXX 3 XXXX XXXX 4 XXXX XXXX XXXX XXXX 5. XXXX 6. XXXX XXXX XXXX I wrote to the credit bureaus and requested that they confirm the debt listed on my report. They have replied with the statement that everything has been correctly confirmed. My credit report still contains errors. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if 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 non-monetary relief
Consumer complaint received 2022-09-24
Company: Experian Information Solutions 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:
I noticed an account on my report I do not recognize

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 2023-09-06
Company: ROBINHOOD MARKETS INC.
State: VA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is on Robinhood. On XX/XX/XXXX, I tried to withdraw money back to my bank account and it failed. I tried multiple of times. My account is in good standing and dont owe anything. I also had the money that I was trying to withdraw. Later that day I received a notification that my Robinhood account is temporarily restricted without any reason. I immediately contacted them through XXXX chat and they said they cant do anything and told me to just wait for an email. Next few days I did get XXXX emails, requesting documents to verify identity and bank statements. All of the requested documents were submitted immediately. Then after that until today XXXX I have not heard anything. I called them and spoke over the phone the past XXXX  days including today, and all they say is they cant help or say anything. I have my savings that I deposited in there that Im trying to withdraw. I need to pay my bills and support my family but they are restricting me from my funds. Please help, I have almost {$24000.00} in there that Im trying to access. My Robinhood account is in good standing and dont owe anything. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-10
Company: MOHELA
State: KY
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:
New : Mohela Failed to Re-Process my Income Driven Repayment Plan using the SAVE Criteria 225 % of Poverty Guideline Exclusions. Had to submit 4 applications and they keep marking them as duplicates not honoring their contractual obligations. Issue still not resolved resulting in higher payments. 

Follow Up to CFPB Complaint XXXX " UnResolved '' : Mohela has XXXX to count Qualifying Payments for XXXX XXXX Military Service Issue : Not getting full credit for Prior XXXX XXXX Military Service for XXXX in XXXX with Waiver. I had XXXX XXXX Consolidations before XXXX for account history to credit time before then in accordance with waiver. My XXXX XXXX XXXX XXXX started in XX/XX/XXXX ( uploaded to fedloans XX/XX/XXXX ) Requesting XXXX XXXX XXXX Military Qualifying Payments be Credited to Qualifying to my account from the Dates XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) & XX/XX/XXXX thru XX/XX/XXXX ( XXXX Qualifying Months ) Supporting Documentation is A. Retroactive ECF Form from my XXXX XXXX XXXX XXXX ( Review A & XXXX together ) XXXX XXXX Honorable Discharge Paperwork ( Review A & XXXX together ) XXXX Snapshot from Student Aid website that shows my loans prior to XXXX that Fedloans could not see to give those 27 months of credit. XXXX Department of Education XXXX Fact Sheet ( Yellow Highlight shows XXXX XXXX will be Honored as Qualifying ) Desired Solution : Please review Supporting Documentation A, B, C to credit XXXX additional qualifying payments for my XXXX XXXX XXXX time. Only XXXX of XXXX can see my Account History on Step C to show I had loans that pre-date XXXX to credit my XXXX XXXX Military Service. Tracking Forgiveness should be no later then XX/XX/XXXX 2022

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 explanation
Consumer complaint received 2019-03-25
Company: Centron Services
State: MT
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid cash and they used my insurance. Later they tried to collect money illegally. I didnt paid as thought fraud. They reported to credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo failed to properly process my VA loan modification after COVID. The mismanagement of my loan and numerous failures to answer questions of resolutions made by myself and VA show the lack of interest for proper resolution. Their administrative negligence continues by failure of due process of my VA loan. Currently receiving threats of foreclosure with no previous options nor time. Recently receiving mail from foreclosure attorneys through mail advising that Wells Fargo has started foreclosure actions without notifying me nor addressing their own mismanagement of my loan. The recent response from Wells Fargo to my formal complaint was printing old documents and mailing them with absolutely no resolution.

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 2019-12-19
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have attached the two letters I received from XXXX in reference to the two accounts they have requested be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-15
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
On or about XX/XX/2020, I entered into a debt settlement agreement with U.S. Bank. The written settlement agreement I received had an incorrect amount, and after I contacted U.S. Bank, the amount was eventually verbally corrected. I did not receive a new written settlement agreement. On XX/XX/2020, a U.S. Bank representative advised me that a new settlement agreement was mailed to me in XX/XX/2020, which I did not receive. On XX/XX/2020, a U.S. Bank representative advised me a new settlement agreement would be mailed to me, which I never received. Therefore, I can not send payments and close the 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 explanation
Consumer complaint received 2023-08-11
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
When I was called to XXXX XXXX XXXX, Synchrony Finance failed to put three of my credit accounts in Service Member Civil Relief Act ( SCRA ) status. After multiple failed attempts to get Synchrony Finance to put my accounts in SCRA status so that I could pay them off in accordance with SCRA capped interest rate provisions, Synchrony Finance charged-off my account in XXXX. I filed a complaint with the CFPB within 120 days of my discharge from XXXX XXXX in XXXX Synchrony Finance then retroactively placed all three of my credit accounts in SCRA status and refunded two checks to me. Synchrony Finance, on the other hand, refused to accept responsibility for their role in charging off my account with the correct amount and balance owed, which had a negative impact on my credit report. Synchrony Finance 's response failed to acknowledge that under SCRA, a lender can not revoke my loan or credit account, change the terms of my credit, or refuse to grant me credit simply because I exercised my SCRA rights. Furthermore, a lender can not provide negative information to a credit reporting company simply because I exercised my SCRA rights. The SCRA required Synchrony to reduce my interest rate so that I could repay my remaining debts without it negatively impacting my credit file. While I understand the importance of repaying debt, I did not feel obligated to pay accounts where the lender refused to comply with SCRA ( capping the interest rate ; resulting in incorrect balance and debt owed ). They only agreed to retroactively cap the interest rate and adjust fees after I hired an attorney to send a letter and filed an official CFPB 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 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
report on XXXX that certain addresses on file or Un arcuate.

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 2023-10-09
Company: EQUIFAX, 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 submitted a letter to the XXXX Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. XXXX XXXX XXXX Balance : {$470.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$30.00} ; XXXX XXXX XXXX Balance : {$150.00} ; XXXX XXXX XXXX Balance : {$170.00} ; XXXX XXXX XXXX  Balance : {$0.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-06
Company: BMW Financial Services NA, LLC
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Hello, This is in reference to an Auto Lease in year XX/XX/2017 with BMW Financial Services. 
The lease/loan was paid off in full and later updated on my credit history report that we missed a payment in XX/XX/2017. There were no missed payments during the life of the loan/lease. The late payment history showed up after the agreement expired and was paid in full. We tried contacting them 2 times by phone in XXXX, requesting the account holder furnish the data in order for us to verify and work to get the correct information to reflect on my credit report. BMW Financial Services never sent me any data showing the missed payment. When I called the following month, the person we spoke was unable to find/locate any data showing there was in fact a missed payment. I believe this information to be inaccurate and is negatively affecting my positive payment history. We are asking the account holder ( BMW Financial Services ) to remove and update the payment history to all 100 % paid on time. There is no reason to show a missed payment in XX/XX/2017. 
Warmest Regards, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-11
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
PayPal XXXX XXXX XXXX Synchrony Bank forgave my credit account and advised me that I no longer owe any money in XX/XX/XXXX. I was issued an IRS XXXX debt cancellation form to file with my taxes as income for the forgiven amount in XX/XX/XXXX. PayPal XXXX XXXX of Synchrony Bank did not update the information in my credit report with the XXXX bureaus. I was advised by their agents several times that they will not provide me with a letter stating the account was closed, forgiven and has a XXXX balance. The creditor also refused to let me make a payment to clear up the debt as they reaffirmed that I owe no money. After several credit disputes PayPal XXXX XXXX XXXX Synchrony Bank is continuing to report that I owe {$1100.00} on the account past due. The account is showing many discrepancies in each report. Some reports show me even having an available balance of {$350.00} with 180 days late on the report as of XX/XX/XXXX. This is unfair to me as a consumer I am in the market for a mortgage this month. This dishonesty in the part of PayPal XXXX XXXX of Synchrony Bank is affecting my credit report and score. The agents refuse to assist me with advising credit bureaus if the account forgiveness and they refuse to provide Me with a letter. The credit bureaus are not honoring the XXXX form alone to update my account. I need either the creditor to update the status of {$0.00} owed or provide me the letter. This is a time sensitive matter. Please assist. I have been calling the company PayPal XXXX XXXX XXXX Synchrony Bank for assistance since XX/XX/XXXX with no success, they are making my reports worse.

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 2022-12-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My Capital One XXXX XXXX credit card has a feature/benefit in which I am supposed to receive a {$200.00} credit for XXXX. I booked and paid for XXXX on XX/XX/XXXX - {$31.00}, XX/XX/XXXX - {$93.00} and {$74.00}. I contacted Capital One on XX/XX/XXXX because I wasn't credited and they said that I would receive the credit by the first week of XXXX. That date passed and I still don't have my {$200.00} XXXX  credit. Capital One needs to credit me back the {$200.00} that I earned for the XXXX  bookings.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX XXXX I disputed fraudulent inquiries I found on my credit reports. As of today XX/XX/, I have not been notified of the investigation results, it has been more than 30 days since I submitted the dispute letter, and nothing. It's as if they are ignoring me on purpose. This is a violation of the FCRA. I have attached the letters all XXXX bureaus have received.

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 2021-04-06
Company: TRUIST FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
ABUSE OF RIGHT by BB & T - Home Equity Line of Credit # XXXX My Home Equity Line of Credit ( HELOC ) at bank BB & T bank ( now Truist ) reached its maturity date recently and had to convert to a repayment period, which it was stipulated in one of its clauses. 
However, BB & T has exercised this clause with abuse and unconscionability, violating the principle of good faith or elementary fairness. 
BB & T decided to raise my payment from {$350.00} to {$2300.00} per month ( statements attached ). They expect me to repay {$94000.00} in only 44 months, which is impossible for me or any mid-class family. They have not cared that my housing payment ratio rise to 90 % of my gross income. They know that I do not have the income to cover this payment, since they asked me for the documents about my income, and they still do not want to listen to me. 
BB & T, abusing the power it has with this clause, has set a monthly payment that favors them better, but that is leading me to lose my house very soon. I am current on my payments, but I do not know for how long it can be.

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 2019-07-09
Company: Flagstar Bank, N.A.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Recently received an Escrow analysis report ( XX/XX/XXXX ) and it appears the column labeled as 'actual ' isn't accurate. They are listing an exaggerated amount for my 2nd installment of RE taxes due XXXX. I've communicated this ( via chat ) to lender-Flagstar, ( XX/XX/XXXX ) and they requested to provide a copy of that bill ( emailed to lender XXXX ). Based on this analysis report, my mortgage will be increased by more than 27 %. When I asked when this will be fixed, the representative assured me it'll be 5 business days. My next payment is due XX/XX/XXXX with the inflated estimate. 

I've also submitted an escrow waiver the same day given my qualifications. I've also, recently submitted a PMI waiver ( XXXX ) and have received noticed removal of PMI. Not sure if this prompted the lender to have an 'analysis ' of my escrow balance of which I obtain a balance as indicated by 'law ' of two mortgage amounts. 

This doesn't seem right that lenders send these ridiculous estimates that do not make sense, yet ready to change monthly mortgages 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