BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-02
Company: SYNCHRONY FINANCIAL
State: WA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX XXXX XXXX issued by Synchrony bank has reduced my credit limit from {$4000.00} to {$1000.00} without notifying me which has resulted in a drop of 30 points to my credit score [ XXXX  & XXXX  ]. When I tried to contact Synchrony bank the representative could not provide me with actual details why was not the consent taken from the customer esp for a decision that would negatively impact the Credit score. I would request CFPB to review this and consider adding regulations to help consumers from such predatory practices of banks. I think we should be clear to apply the same kind of rules that exists for an entity that checks consumers credit report be applied when they make decisions that would negatively impact their credit score.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Experian Information Solutions Inc.
State: TN
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:
On XX/XX/2020 submitted dispute to Experian indicating that a collection account with XXXX XXXX was not accurate and it is my belief that an account was opened without my knowledge. Received result stating information is correct but there is no documentation regarding this. My request is that the collection account with e removed because it is not mine and there is not information with my signatures indicating it is.

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 2019-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a refinance of a loan on a rental property in early XX/XX/2019. I authorized Bank of America to check my credit score, which is over 800. They did the first hard hit on XXXX XXXX XXXX. They did an unauthorized hard hit on XXXX XXXX. They did a third hard hit on XXXX XXXX XXXX for reasons unknown, with no authorization, AFTER THEY DENIED THE LOAN. If they wanted to deny the loan, no problem. I was doing a refi, not trying to get a loan. But I believe they are actively trying to ruin my credit at this point in order to keep me from getting a loan anywhere else.

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2019-04-15
Company: Credit Karma, LLC
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: Public record information inaccurate

Complaint:
XXXX credit was discharged in chapter XXXX bankruptcy. Now they are reporting a balance

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: JPMORGAN CHASE & CO.
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am executor of my cousins estate who passed away XX/XX/2020. The account is with chase bank. You have to call deceased number XXXX but it says send email to XXXX and hangs up. I sent email to that address at chase bank to close the account and send me a check for the amount in the account. I sent them all paperwork XX/XX/2020. All contact was by email. They asked for more documentation and on XX/XX/2020 they said they had processed the paperwork and will send out a check. I did not received a check. I sent them an email on their encrypted email server on XX/XX/2020 and did not receive a response. I sent them another email on the XX/XX/2020 and no response. I sent them another email XX/XX/2020 and no response. I also called the local branch on XX/XX/2020 and they said someone from escalation services will call me. XXXX XXXX # XXXX called me and left message but no return number to call. I redaiedl the number she called me from but it went to main chase number. I again email them on XX/XX/2020 and no response. I called the local bank again and asked to speak to esclation department again. I called chase and asked for escalaton department. It ent to voicemail and said to leave a message. 
In summary I recieved a message from chase in thier private email portal on XX/XX/XXXX that a check will be sent to me, It is now XX/XX/XXXX and I do not know he status and can not reach anyone in the deceased department to find out any info. Can you help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: Aqua Finance, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
XXXX XXXX and XXXX are reporting payment increases to a closed account which had the wrong information to begin with. And is a menace to my quality of life. They are allowing this company to deliberately drag me financially. When the pandemic was the cause

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Shellpoint Partners, LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Shellpoint Mortgage Servicing is trying to foreclose on property they have no authority to do so. They have a modification of a XXXX, trust that is not even notarized. As a debt collector they will not even request a notary copy from XXXX ; in order for a contract/modification to be valid it must be notarized ; however, these folks do whatever they want and need to be stopped, this is shear nonsense. Nevertheless, they are in violation of the Fair Debt Collection Practice Act ; for non verification of debts ; not ensuring the correct debt amount ; etc. Shellpoint has dual roles and accordingly to FDCPA ; if a debt is transferred or sold in default ; then they are debt collectors and need to comply with FDCPA. 

The difference between a REIT trust and a REMIC trust and this is a good time to explain. Even federal bankruptcy judges have failed to understand the difference. This has become a subject of confusion, because the rules are different. A REIT can accept promissory notes endorsed in blank, while a REMIC can not ( at least in New York and most REMIC trusts are under New York law. ) A REIT is a Real Estate Investment Trust. The REIT is an actual corporate entity. It is a business corporation with all the rights of any other corporation. On the other hand, a REMIC is not. A REMIC has no corporate powers. It is a Special Purpose Vehicle ( SPV ) which is completely passive. It is a pass through entity. It cant conduct business. It cant take on debts. It cant own physical property or even cash. It can only hold promissory notes and mortgages. ( if endorsed ),

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: AMERICAN HONDA FINANCE CORP
State: IL
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Subject : Complaint against XXXX XXXX of XXXX XXXX and Acura Financial Services Regarding my Lease Agreement for a XXXX XXXX XXXX SH-AWD w/Technology Package on XXXX XXXX Summary : XXXX XXXX of XXXX XXXX and Acura Financial Services violated the Truth in Lending Act when they withheld disclosure of additional charges pertaining to my lease of the XXXX XXXX XXXX. The additional charge of approximately XXXX was added to the Rent Charge. This undisclosed charge increased my monthly payment form approximately XXXX to XXXX ; and it significantly reduced the 14 % discount that we negotiated. I did not receive written disclosure of this additional cost before signing the Lease Agreement, and there was no verbal disclosure to me by the following employees of XXXX XXXX who assisted me with the purchase process : Mr. XXXX XXXX ( Internet Sales Specialist ) whom I received an email from promoting their end of the month sales special with up to 15 % off New RDXs ; Mr. XXXX XXXX ( Sales Manager ) who negotiated the details and terms of the lease ; or Ms. XXXX XXXX ( Finance Manager ) who reviewed the terms and the completion of the Lease Agreement with me. I was denied the ability to accurately evaluate the true value of the negotiated discount price for the vehicle because the details of the undisclosed cost ( rebate ) within the Rent Charge was not disclosed to me. The details of my Lease Agreement with XXXX XXXX are attached, which includes my detailed statement and Exhibits 1-10.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-25
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed out of {$2000.00} by someone pretending to be Citizens Bank. I received texts stating, " Citizens Bank Fraud alert- reply Y or N if the purchases are authorized. '' I then selected " N '', and received a text saying, " Thank you, Citizens Bank will be with you shortly. '' Then, someone on the phone told me that a claim was put in and asked me to verify my email. It was only after the fact and after going into the branch that I realized it was a scammer all along. The scammer hacked into my online banking and used a service called XXXX to send himself payments of {$1000.00}, {$900.00}, and {$100.00}. I could not access my online banking so I knew something was up, so I went into the branch at XXXX XXXX in XXXX, MA on XX/XX/XXXX. I was told that a claim had been filed and I should get all the money back by the end of XXXX by XXXX XXXX XXXX and XXXX XXXX. By the end of XXXX, I called the bank once more as the money was not returned. The fraud department told me that they could not find a claim. So, we had to submit a whole new claim as the bank either lost it or a claim was never filed and I was lied to. After filing the new claim, I was told that a provisional credit would be given to me so that I would get the {$2000.00} back. Once more, I did not get a provisional credit and contacted the bank once again. XXXX told me that they are just backed up and I should get the money back. Then, I received a letter in the mail dated XX/XX/XXXX, from Citizens Bank which stated that they dispute the claim saying that the {$2000.00} was authorized by me ( which it wasn't ) and thus, they will not credit me the {$2000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-12
Company: Experian Information Solutions Inc.
State: FL
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:
I've attempted several times to resolve this problem I'm having with the credit bureau claiming they are verifying accounts but does not provide any proof with the consumer of how they verified the information. I have yet to receive any letters verifying my signature on a contract. By law I'm permitted to request this information and if the information isn't provided then theirs no proof that the accounts is my account and therefore is inaccurate. I don't have a problem paying the debt I actually benefitted from but I refused to pay for accounts I never authorized to be open and then charged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-07
Company: Partners Financial Services Inc
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
On XX/XX/XXXX I called partner financials to inquiry as to why I have not been receiving paper billing because I noticed XXXX XXXX a company I use to monitor my credit appears to have late payments. My payments with partners financial were auto debited for the last 2 years and somehow stop being debited from my checking account. I spoke to XXXX to help me with a payment plan because I was about to become three months late and requested once payment has been made to please remove the late payments from the credit bureaus as it will affect my ability to return to school and obtain additional student loans. The representative stated we have been sending emails not paper bills. I ask her to confirm the email and she stated she had an old email I no longer use. My payments are about $ 160/month plus ( {$14.00} interest ) and may vary due to interest. I am past due XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and now accumulated to {$680.00}. XXXX the representative stated to me " you should have thought about paying your debt and not our fault your late and now you need to pay {$510.00} to get your account up to date. I just graduated XX/XX/XXXX and do not have a job in what I have majored for. The Representative was very rude, cold, unprofessional and inconsiderate. When I ask to speak to a manager the representative disconnected the phone. The representative was an a very harassment mode and should not be tolerated when Partners financials is not doing due diligence and helping students by damaging there credit and not sending out paper billing. This is extremely unfortunate for students trying to pursue a degree and better future. Today I paid {$680.00} to partners financial to bring my account up to date. I am hoping this matter is taken seriously and I am seeking for a resolution. More students may start coming forward and complaining about how partners financial conducts business and there behavior. I do not have any statements to show at this time because I 'm receiving any paper billing from partners financial

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-10
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really XXXX  and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Experian Information Solutions Inc.
State: TX
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:
On XX/XX/2018. I disputed with the three credit reporting agencies accounts that were erroneously reported to my credit report due to Identity theft. Despite FCRA section 605b stating that a victim of identity theft with proper proof from a law enforcement agency should have the identified items blocked /removed in 4 days. the time of resolution has passed and I am being victimized all over.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-07
Company: Experian Information Solutions Inc.
State: NY
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:
The response to my initial complaint is unacceptable as it has no relevancy in regards to the complaint submitted ... " XXXX has reviewed the complaint and its records. Please be advised XXXX XXXX XXXX account number XXXX has been verified as reported with the following Name, Social Security Number, Date of birth and address. XXXX has sent you a complimentary copy of your credit file. Written confirmation was mailed on XX/XX/17. '' The complaint was not about validating whether or not the account holds the correct name, SS, DOB & address? Once again the complaint is in regards to the equity loan being identified in a class action suit and by Attorney Generals from over a dozen states as a predatory loan by a company who, to this very day, stands behind and supports predatory lending practices. A Company who has been found guilty of defrauding the american people at ever turn. This loan in question Acc # XXXX was sign by me under false pretenses and deceptive loan practices. I 'm forwarding your response to Florida 's Attorney Generals and to my attorney as proof of my attempt to resolve this matter amicably and as a testimony to my unwavering pursuit for justice. It is my hope that my complaint will be taken seriously at some point and XXXX comes to the same final conclusion and outcome as did 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 2019-08-13
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I opened my account. A couple weeks later, I get a letter saying the bank needs to verify my physical address. Ok no problem. Before the deadline on the letter, I go to a branch as the letter instructed me to do. I show them proof of physical address. They tell me it's all taken care of. They even let me set up my pin for my debit card.

A few days later, I find can't access my account. I call and they tell me it's closed because I didn't update my address. Two weeks later, I still don't have my money. There was over {$900.00} in that account. I've incurred late fees on multiple bills. My landlord is going to evict me yet they don't care.

I've called customer service. I've called the executive offices. No one I get on the phone knows anything. They transfer me to a supervisor who never calls back.

I thought Wells Fargo was ( in ) famous for opening accounts not closing them.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-19
Company: EQUIFAX, INC.
State: CA
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:
Today XX/XX/XXXX I was at XXXX XX/XX/XXXX to obtain a personal loan to help me get by the pandemic. But, I was denied and I was denied because of negative accounts that do not belong to me XXXX XXXXXX/XX/XXXXXXXX XXXX XXXX, XXXX XX/XX/XXXX XXXX ). My personal information birth certificate, driver 's license, and social security card was stolen on XX/XX/XXXX and someone has been opening accounts under my personal information. I did not authorize anyone to use my personal information to open the accounts above. I did not receive any money, goods, services, or any other benefits as results of these accounts being open under my name. I need these accounts blocked from my credit report because they are a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-27
Company: Velocity Portfolio Group
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I have consulted an attorney and am in the process of filing a motion with the courts and possibly my own civil suit because I believe this company was wrong in their attempts to collect a debt from a company that has informed me they are not represented by them. I was never given a court appearance in regards to objecting to the execution of this judgement. To this point this company has collected more than 66 % of the judgement and I have been advised to have them voluntarily stop a wage garnishment execution in lieu of my own suit and recovery of lost wages. I feel this company has acted unlawfully in the execution and used unlawful practices. If they stop the wage execution immediately, i will consider this matter closed and over. If not, then I will continue with my motion which will include my own civil suit and investigation. I hope a resolution to this matter will end now before further actions are filed. I have also attached a copy of a certified letter receipt which i never responded to which means I was never formally notified in which the courts indicate I did and signed for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On XX/XX/2020 at XXXX XXXX  I sent the wrong individual {$500.00} using my Venmo account. Her name was XXXX XXXX and there were several people with that name. I did pay the correct XXXX XXXX moments later. The username of the wrong XXXX XXXX is @ XXXX. The correct XXXX XXXX that I paid is @ XXXX. My account username is @ XXXX. I sent the wrong individual a refund request but they did not answer or refund me. Venmo, which is owned by PayPal, does not provide adequate customer support. They claim they will assist in recovering my money but have not done so. There is no way to contact them outside of email. 

If a bank inadvertently deposits money into my account or if I do the same, they provide recourse. Venmo and PayPal are banks and should do the same.

Company response to consumer: Closed with explanation