BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
CYBER CRIME : In the summer of XXXX, I was a victim of Identity Theft. PayPal ended up enrolling me without knowing how or why, I was enrolled, only to discover unexpectedly I actually had an account opened for me. In XX/XX/XXXX, I received a bill from PayPal alleging I owed {$7.00} for an XXXX ride. I contacted them and disputed the bill. They investigated and alleged the bill was truly mine. I never signed up for this PayPal Credit, given them any info, and now have a balance in my name and in collections. I did not open this account, nor should my name be any part of it. I demanded PayPal close the account as it was fraudulent. In XX/XX/XXXX, I received another bill. I called PayPal again and disputed the bill again informing them again that I was a victim of Identity Theft. I was asked to file a police report which I did. The report was faxed to XXXX on XX/XX/XXXX. On or about XX/XX/XXXX, I received another bill from PayPal. I have been trying for months to have them resolve this. It is impossible to use their ticketing system, their phone operators are useless and rude, and it has been a total nightmare to remove this credit account from my name. I was told to fax the report, that it would be resolved in 3-5 business days. No resolution. I have gotten nothing but bills. You would think this company would be proactive about fixing their mistakes. Besides the effort and lack of communication, the worst part of this, is that the lender they are reporting I owe the money too has no record of this debt/credit account! Synchrony corrected the other accounts that were fraudulently affected by this theft but PayPal refuses to solve this issue. Had they completed an accurate investigation, this matter would have been resolved a long time ago. I will be seeking compensation due to their negligence. Payments have never been made as this is a fraudulent account. The Customer Service representative erroneously read notes to me while on the phone that " someone '' has been calling in to make payment arrangements yet they will not disclose info 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
On XX/XX/2022, I opened a Checking and Savings account with Citizens Bank under an offer to receive a bonus of up to {$600.00} if certain requirements were met ( a direct deposit of at least {$500.00} into the checking account, and maintaining a balance of at least {$15000.00} in the savings account through XX/XX/2022 ). I met all of the requirements for the bonus. The offer said the {$600.00} promotional bonus would be paid by XX/XX/2022, but the bonus has still not paid out to my account. When I online chatted with a representative of Citizens Bank, the representative reviewed my account and agreed I had met all the terms of the offer and should have received the {$600.00} bonus already based on the terms of the offer, but then they claimed they didn't have the ability to escalate/raise this to anyone else for review for me to get the bonus paid out. 

This offer was from a mailer from Citizens Bank sent directly to my house. I have attached images of the mailer, as well as a screenshot from the application process showing the offer code XXXX was attached to my application.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-06
Company: CrossCountry Mortgage LLC
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I applied for the PMI cancellation process in XX/XX/2022. I mailed a check and completed the required paperwork to have my home reassessed to see if I would qualify for PMI cancellation due to major home improvements. The check was cashed by Cross Country Mortgage and a real estate company reached out to me to schedule an assessment in XX/XX/2022. I called back the real estate agent the next day, he stated that my home was no longer in their system to service and I had to recall my mortgage company. I recalled Cross Country Mortgage to have this rescheduled, and they stated they would take care of it. Since then, I have recalled and tried to resolve this approximately 2-3 times per month since XXXX and have spoken to many different customer service representatives and two supervisors. All times they have stated that someone would reach out to me via phone and/or would contact the real estate office to get me back on the list to have my house reassessed. All times no one has reached out and I have had to re-call cross country mortgage to file a new claim. My claim has been closed multiple times without being resolved. My application had already been submitted and check sent ( this was cashed by the company in XX/XX/2022 ). Cross country has tried to only remedy this issue by sending me a new application and instructions to repay in the mail. I speak to live representatives who state that this does not need to occur and they already have my application, but no one ever follows up or calls as they stated they would. At this time, since I have been actively trying to resolve this since XX/XX/2022, I worry their negligence to act has cost me additional monthly PMI payments that would have been canceled as well as waiting for the market for my home value to drop. Thus, their negligence has caused a change in whether or not my home would qualify.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-03
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
National Credit Systems , Inc is clearly reporting incorrect information. I do not owe XXXX of XXXX XXXX XXXX. I wrote them a letter asking them for physical proof this debt belongs to me. 30 days letter, they send me back a letter saying I need to prove it is not my debt. That is illegal. They are a total scam and they are ruining my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-05
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXXXXXX XXXX Card with account XXXX XXXXXXXX opened on XX/XX/2015 and a balance of XXXX 
I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made since I open this account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
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 was at XXXX trying to apply for a credit card. As they submitted my information I was told I was denied and that it could be due to a low credit score. I wondered for days what could be the other reasons for this. I knew I had outstanding credit. I got my credit pulled and found out the problem I am a witness of identity theft. Most of these open accounts that have been open for a while do not belong to me. Please remove these items from my account. Thank you. 

XXXX XXXX XXXX  XXXX XXXX XXXX {$660.00} XXXXXXXX XXXX XXXX  XXXX {$8400.00} XXXX XXXX XXXX {$490.00} XXXX XXXX XXXX XXXX {$650.00} US DEPARTMENT OF ED XXXX {$7000.00} US DEPARTMENT OF ED XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX {$17000.00} XXXX XXXX XXXX XXXX {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
State: NV
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:
Delete inquires
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 explanation
Consumer complaint received 2023-10-04
Company: Experian Information Solutions Inc.
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:
I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXXXXXX 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 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 2023-04-24
Company: HCFS Healthcare Financial Services of TeamHealth
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
In review of my XXXX credit report on XX/XX/, I noticed a " collection '' account being reported by a company by the name of ARS Account Resolution. 

I do not know who this company is and why they have placed a collection on my credit file. 

I'm requesting that they " Validate '' this debt by providing me with the following : * Provide me with a copy of my HIPPA release from the medical creditor that releases my medical information to you, therefore by providing such information they are in violation of my HIPPA rights. 
* Contract : provide me with a contract agreement between ARS ACCOUNT RESOLUTION and XXXX XXXX, bearing my signature agreeing to any extension of credit, etc. 
* Delinquency : the first date of delinquency in accordance with FCRA sec 623 ( a ) ( 5 ) ( a ) ( b ). 
* Original documents to show details of charges A summary of all account activities, including all payments made, late charges, interest, dates of payments received, date of payments posted, charges made and date of charges posted. 

Please do not provide me with a " Verification '' of debt, but Validation within the guidelines of the Fair Debt Collection Practice Act 15 USC 1692g ( a ) ( 1-5 ) ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-28
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been disputing fraud ITEMS on my credit report. The items are not showing in dispute nor are they removed from my report. The bureaus seem to ignore the trend and let these fraudulent items affect my credit score. I have requested the investigation to be initiated and also verifiable proof to be submitted should the items claim to be mine. I have had ENOUGH! HOW MUCH DOCUMENTATION does it take to get SOMEONE to REALLY DO SOMETHING?? LOOK at the attachments! THIS IS NOT ROCKET SCIENCE! You asked for Documentation and I have given it. AGAIN AND AGAIN AND AGAIN! This is my last option before I take this up with my lawyers and sue for full compensation and damages incurred. Please delete the items immediate. 
XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX , GA XXXX ; XXXX XXXX Balance : {$640.00} ; XXXX Balance : {$430.00} ; XXXXE XXXX Balance : {$0.00} ; XXXX  XXXX  XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$270.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Referencing USAA fraud investigation number XXXX, I received notification of an incorrectly disclosed mortgage cost resulting in a refund check of {$2400.00}, stating that the check had already been sent separately. After a month or so, figured out with USAA that the check had been cashed, the screenshot of signatures was a set of fraudulent signatures, not my wife and my own. I initiated a fraud investigation with USAA and received by mail the required forms. I submitted the forms by mail no less than 6 times with slight variations on the way in which they were to be filled out, often requesting information formats from previous iterations. I submitted the last iteration with a signed letter, the text of which is copied below. A month later I received notification saying that the fraud investigation was being closed since too much time had passed. This was clearly a stalling tactic in order to reach this arbitrary deadline with no intent of paying the money that was incorrectly withheld years ago. 

The following letter was mailed to USAA in response for another variation on the same form, which was also included. 

Attn USAA Fraud Investigation personnel, Referencing USAA fraud investigation number XXXX, I have received multiple requests for the same enclosed form requesting slightly different variations of information each time as documented in the attached. The latest request asked that I fill out section XXXX statement of fact which is clearly marked in instructions as information provided by the maker ( the entity who wrote the check, which is you, not me ). 

This is clearly an attempt to not address the issue at hand which is an overcharge for services {$2400.00}, the loss of a check ( I still have not received information from USAA on where the check was mailed ) and the resultant loss of income that could be made from that amount of money during the time lost which is significant in today 's economic climate. If I receive another request for the filling out of the chase declaration of unauthorized endorsement or altered item form with slightly different information requests, I will be elevating this case to the consumer finance protection bureaXXXX and closing as much business with USAA as I possibly can. Please resolve this issue as soon as possible, the service level is not acceptable. 

Please address any questions to to myself at XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-24
Company: VW Credit
State: AZ
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I have been calling since XX/XX/2023 to get status of my title. VW has since XXXX blamed a change in vendor as to why I have still not received my title. I call every week and make sure its documented and every single time they have said its been ordered, everything according to their records has been completed and ready to send me my title since XXXX. I paid for expedited shipping service and to date I still have to title and everyone says its been ordered. I cant sell my vehicle for 4 months now because of this. I paid for this vehicle and am having to pay insurance and everything elses because I cant sell because VW is withholding my title and blaming another company for not sending it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-24
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed a copy of my credit report. I was shocked to learn I have been a victim of identity theft. I found numerous accounts on my credit report that were not opened by me. This has been hurting me as I am in the process of buying a home for my family. Please remove these fraudulent accounts from my credit report as soon as possible.

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 2019-04-30
Company: Commonwealth Financial Systems, Inc.
State: AZ
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hello, There was a past medical bill at XXXX Hospital in Pennsylvania for the amount of {$370.00}. I spoke to them a while ago and it was taken of my credit report since the insurance paid it. 

Now they sold this debt which was paid off already to Commonwealth Financial. I never received a letter from them, I was not even able to ask for verification of debt. I spoke to them and they were really rude said they sent one letter to an address which I do not live in. Tried to explain the situation and did not listen. 

They said the treatment was done on XX/XX/2015. I told them it was paid in full by the insurance company and they said I had to pay them or legal actions would go against me. 

I let them know the statue of limitation for medical debt in the state of Pennsylvania is 4 years. They said the do not go by the statue limitation and either I pay or they will take me to court. Please help me resolve this problem Name of the company : Commonwealth Financial Address : XXXX XXXX XXXX, XXXX XXXX, Pa XXXX Phone Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-28
Company: JPMORGAN CHASE & CO.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Received a notice that a payment I never made had been canceled. I logged into my account and noticed an additional payment was sent via quickpay. I never sent the payment. Chase informed me they couldn't reverse the charge until I submitted a form for them to investigate. I am not clear on how this occurred in the first place and never received any notice about someone logging into my account. I would like the money refunded to my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-25
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: Their investigation did not fix an error on your report

Complaint:
Sent request regarding bankruptcy on my file with transunion XX/XX/21 and responded on XX/XX/21 with file # XXXX that the bankruptcy was accurate. On XX/XX/21 sent letter to reinvestigate and TU received on XX/XX/21 and responded XXXX & XX/XX/21 data furnisher XXXX verified information as accurate. Appalled, I went to XXXX to verify the information and during their investigation, could not verify the information as accurate themselves so in turn has deleted and removed the inaccurate bankruptcy information from there file as of XX/XX/21. On my behalf XXXX initiated a dispute with TRANSUNION on XX/XX/21 stating the results of the investigation which couldn't be verified and the bankruptcy was removed from there file, letter enclosed. So I also contacted TU with letter dated XX/XX/21 and received by TU on XX/XX/21 which included the letter from XXXX to prove bankruptcy was removed from there file and TRANSUNION responded on XX/XX/21 that the bankruptcy was verifed by data furnisher XXXX as accurate. Looks like to me TRANSUNION has ignored the dispute sent on my behalf by XXXX and my follow up to show the information should be deleted from my file also. Any investigation done after XX/XX/21 on this information would have shown the information couldn't be verified and should be deleted immediately. Either TU ignored XXXX dispute or never reinvestigated my information and just did a computer generated response.

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 2022-03-04
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX-discharged Original filing date : XX/XX/2012 Latest status date : XX/XX/2012 ATe Account Info Reference Number Court XXXX XXXX XXXX XXXX XXXX. 

THIS HAS BEEN REMOVED FROM ALL CREDIT REPORTS BESIDES EXPERIAN. 
I HAVE DISPUTED MULITPLY TIMES. PLEASE HELP THANKS.

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 2019-04-30
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
DCI began calling my cell phone, my husband 's cell phone, my house, my XXXX XXXX XXXX 's cell phone and my XXXX XXXX XXXX 's phone numerous times. We have asked for them to stop calling regarding an issue with XXXX XXXX XXXX as my husband spoke to XXXX XXXX XXXX  and the debt does not exist. The account is in my husband 's name however this company continues to call and discuss the issue with me although improper. I have instructed my children to not answer their phones if the number is not attached to a contact already in their phone. This company continues to call these numbers as recently as yesterday though I have told them this debt does not exist and to stop calling. They are calling my children 's phones during their school hours, my work hours and it is completely out of hand and is harassment at this point, especially calling our children 's phones multiple times a day. I have filed a dispute with this company as well. This company needs to stop this harassment ASAP.

Company response to consumer: Closed with explanation