BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-24
Company: SYNCHRONY FINANCIAL
State: MD
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:
On XX/XX/XXXX, I went into XXXX XXXX in XXXX MD area to look at living room furniture. Out of more than 6 sets, NOTHING was available for up to eight weeks ( for delivery ), so I chose to look somewhere else. Meanwhile, the sales person advised me to put the set that I liked on an invoice. I was allowed to put a down payment on it ( so they can hold it ), but informed them I would return the following day to make a final decision. I ended up going to one of their other stores, down the street and purchased furniture there, because it had same-day pickup. On the very next day, XX/XX/XXXX, I returned to XXXX and asked for a full refund of my deposit and the cancellation of the invoice ( that was supposed to be on hold ). They refunded me the down payment and told me the invoice had been cancelled. However, when I got my credit card statement, XXXX had charged me for the furniture that I actually purchased ( and took home, plus they had charged me an additional {$1600.00} ( the amount that was supposed to be refunded on XX/XX/XXXX ). Instead of fully canceling the invoice, they submitted it to the finance company, three days after telling me they had canceled the order. Now, they are telling me, it will be XX/XX/XXXX before they can clear up this error. My credit report is also indicating that I have an extra {$1600.00} of used credit. This makes NO sense that it is taking this long to clear up a matter that was totally preventable. I was advised two weeks ago that XXXX would credit me the money. The following week, when I went to check the status, it had not been done. So a second person assured me they would remove the {$1600.00} error from my account, but it will take up to 60 days. This is ridiculous! I want the error removed from my account as soon as humanly possible. XXXX has very poor customer service in the Dispute Resolution Department. It is impossible to speak to a supervisor. The young guy at the front desk in the XXXX location kept telling me I should not have bought the furniture from the other location, because they could have gotten me a cheaper price. This made no sense, because he had no idea what I had purchased, now what I had paid ( at the other store ). Furthermore, he was the very person who " supposedly '' issued my refund, which he couldn't even do correctly. Instead, three days later, XXXX submitted the canceled invoice to the finance company and it appeared on my bill. I would like to think they are not in the habit of fraudulently submitting bills to the finance company, but I can't even be sure this whole thing was not intentional. I just want it cleared up, sooner than XX/XX/XXXX, since it is 100 % XXXX 's 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 monetary relief
Consumer complaint received 2018-05-08
Company: NAVY FEDERAL CREDIT UNION
State: TX
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 score has tanked since banking with this Bank. I started the administrator process to valid the alleged debt that I supposedly owe to this Bank. Theirs response had been flooded by generic letters without providing the original contract bearing my wet ink signature ( promissory note ). According to the Fair Debt Collection Practice Act ( FDCPA ), I have the right to validate any debt I owe. This Bank had since left tons of calls, voicemails and letters trying to correspond with me and ruined my credit score with late payments and delinquent accounts. This Bank have committed fraud for reporting unvalidated information to the 3 major credit bureaus. Im not hesitant to bring a suit against this Bank for violating Fair Debt Collection Practice Act ( FDCPA ), Tax fraud and defamation of Character! These banks must remember that WITHOUT the consumers, theres no business! Ask yourself : Whats a Debt? Legal tender was no longer required for payment of debt on XX/XX/1977! 
According Social Security Number, Im classified as a minor. A minor can not be a party to a contract ( HJR 192 )!

Banks can not loan money. They are in business to buying securities. The consumers signature CREATES the security! And since this Bank have submitted my account ( s ) to collections, they have committed a felony for unlawful use of my Social Security Number. This is grounds for identity theft and distortion. BY LAW, all 3 major credit bureaus must remove these accounts from my credit report. *BOOM* ( Ending Note ) The consumers are the original creditors but was misled by these greedy banks into thinking were the debtor!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
CMRE Financial Services Inc. is continues to report on an account that was already paid off thru XXXX XXXX XXXX XXXX to XXXX XXXX XXXX, and XXXX XXXX. This account has been paid through their healthcare clearinghouse ( a third party payment processor ). This company appears on my credit report as an active account in collections. I have no idea who they are and why they are on my CR. Due to me being a recent victim fraud several months ago I notice inaccurate things showing on my credit report, CMRE Financial Services Inc. is certainly one of them. I demand that it be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: CAINE & WEINER COMPANY, INC.
State: IN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: WELLS FARGO & COMPANY
State: SD
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:
Wells Fargo gave me the the total stolen for XXXX as {$56000.00} stolen. I ask to put the amount stolen in XXXX for a total of {$29000.00}. The total stolen was {$85000.00}.

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 2020-05-20
Company: CITIBANK, N.A.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased hotel lodging through XXXX. 

The email I received from XXXX DOES allow me to change or cancel my booking, at a price. 

I COULD NOT REACH THEM. You ( Citi ) admitted you still can not reach them. 

Please see below for an excerpt of the email I received which I am happy to provide in total : Cancellation Policy Double ( 2 Double Beds ) Superior Lake View If you change or cancel your booking between XX/XX/2020 XXXX XXXX and XX/XX/2020 XXXX XXXX, you will be charged a fee of US {$750.00}

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 2020-10-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts that aren't clearly mine. This is a second request to have them removed. Please remove them. I also included my personal documents, and I am not a credit repair nor a mortgage company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Originating lender has XXXX lien on XXXX stock shares after being paid in full. 
Requested lien release ( XXXX Termination ) XX/XX/XXXX from originating lender. 
Response from originating lender was that loan was transferred to another lender on XX/XX/XXXX - blocking borrower ability to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: LPH, Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Northwest Collectors in XXXX, MT have harassed me about a debit that wasnt mine, not once, not twice but three times now, for another womans debit, that is not mine. The first time, it was about her negative balance on her car, the second time was about her negative balance in her bank account. The third time, which was yesterday, a processor showed up at MY place of employment to serve me papers for ANOTHER womans account. I dont know what this debit was for but I have called them after the first and second times asking them to stop, asking them to be diligent and look at social security numbers, middle names and dates of birth. 
This third time, after having a processor show up to my work, I am done. This needs to stop. This is harassment for a debit that is not even mine and Northwest collectors are humiliating me, going to the place of my career.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
A few months ago I noticed incorrect information on my credit report that was not mine. After carefully looking through my credit report, I wrote a dispute letter to the top three credit bureaus ( XXXX, XXXX  and TransUnion ), on XX/XX/2021, sending it through certified mail though the USPS. 

After 45 days, I did not hear a response from them. However, looking into my credit report at this time, I noticed that the account details were changed to " Consumer Disputes ''. So at least I got confirmation that they received my letters on XX/XX/2021 by the USPS, and that they read them because my credit report indicated that they marked the accounts with " Consumer Disputes ''. 

So I sent a second set of letters, certified mail, to XXXX, XXXX  and TransUnion dated XX/XX/2021. USPS states that they received the letters on XX/XX/2021. 

Again, more than 45 days later, I have only received confirmation from one credit bureau, XXXX. They deleted and removed every single account, that I disputed, from my credit report due to inaccuracies and because they could not verify the accounts as mine. 

Once again, I am writing to XXXX  and TransUnion to understand why they are failing to comply with the investigation.

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 2020-10-12
Company: BMW Financial Services NA, LLC
State: FL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
Hi BMW ; I was looking through my report and noticed a vehicle that I returned to the dealership where it's reporting now completely incorrect, incomplete and unverified. I had the opportunity to talk to several lawmakers and friends and learned some basic laws in regard to voluntary or repossession of a vehicle. Under the laws of my states & UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. 
Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher.

What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-14
Company: SUNTRUST BANKS, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Last summer I was paying a line of credit in a property with Suntrust bank. I had paid an interest only loan for 12 years then it converted to a principal loan. I could not keep up with the loan because it had doubled. Suntrust called me and offered me a settlement. We owed XXXX XXXX and they settled for XXXX XXXX. 
We took them up on this offer. We bought a money order and went straight to the bank. In the midst of this my husband and myself were in the middle of purchasing a retirement home. 

When we went to close last XX/XX/XXXX it showed that we had a short sale on XXXX XXXX credit report. His beacon score was XXXX and blemish free. 

Because of this we had to pay XXXX in penalties to finance our new home. 

We are now dealing with a loan officer to refinance this home. We took our a ARM loan. He just told us its still showing up as a SHORT SALE. We can not refinance now. This is a total disaster. 

We have called Suntrust over 100 times. Now I am reading under the Consumee Affair bureau that this has happen to others. Its all documented. 

If I had known they were going to report this to the credit bureau as a short sale I would have never accepted there offer. 

The contact person I have been dealing with and the lady who offered thus to us is XXXX XXXX at Suntrust in the settlement department.

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 2018-06-14
Company: FIRST NATIONAL BANK OF OMAHA
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
After I complained about XXXX the next day I received a call from XXXX who lied and said the bank was out of mo why because of me and told me things that were discriminatory in nature. I had XXXX report her to manager. 

Government orders First National to pay more than {$35.00} XXXX - remember this? 
First National Bank of Omaha will pay more than {$35.00} XXXX in restitution and fines for deceptive marketing practices and illegal billing of add-on products. 

The bank, the largest in Nebraska with {$18.00} XXXX in assets, agreed to consent orders levied by the Consumer Financial Protection Bureau and the Office of the Comptroller of the Currency, which were made public Thursday. 

The bank will pay a {$3.00} XXXX civil penalty to the OCC, a {$4.00} XXXX civil penalty to the CFPB and nearly {$27.00} XXXX in restitution to roughly 257,000 customers. 
Or this CFPB Orders First National Bank of Omaha to Pay {$32.00} XXXX for Illegal Credit Card Practices 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 2020-10-12
Company: Professional Recovery Management
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
On Friday, our city was one of many impacted by Hurricane Delta. Because of this we are communicating with many people in regard to damages. When the lady called she stated that she was a bill collector and I explained that right now we don't have electricity and we are trying to pick up our lives. She snarkily said " why did you answer the phone? '' And then hung up before i could inform her that there are many reasons. Let 's see ... insurance agency calls, I am on call and my employer is using alternate phone numbers due to increased outages and their state offices are in the area code they called me from. I have friends and family members who may be trying to reach me. How rude and unprofessional can one be? And heartless.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Wells fargo stole around {$8000.00} out of my account. My husband had a credit card with them and they illegally added the credit defense platinum on to it without authorization. After wells fargo lost their class action lawsuit they refunded us a check for {$3500.00}. This does not come close to what we are owed. We could not finance a house and had higher interest on vehicles because of lowered credit score. We would like our money back and I can not get any on the phone that can explain why we received that number back or why they were able to go into our account and take money that was not theirs.

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 2021-07-15
Company: U.S. BANCORP
State: AZ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
After filing a complaint yesterday that US BANK will not do their part to allow me to make my payments again. Ive called twice a week for the past 5 months. 

First they lied about a flex modification. Now, they wont let me file for deferment. They have told me since XX/XX/XXXX to call back weekly so that I could file for deferment. 

Today, XX/XX/XXXX I called to see if the fraudulent flex modification was removed as I requested back on XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. Which was finally removed on XXXX. 

I was told on XX/XX/XXXX it would take 7 days. So what happened?? 

As of today I was just told that brocade I filed a complaint I would not be able to file for my deferment until XX/XX/XXXX. This is ludicrous and unethical practice. 

US BANK continues to hold my mortgage hostage while I have been begging to go back to making my payments. They are telling me I can not enter the deferment program until after my complaint closes on XX/XX/XXXX. How does this make sense? Im complaining this is taking too long and they drag it out further??? 

I was also told today that once they file the deferment on XX/XX/XXXX it will take two months before I can start making payments to enter the program. 

I began this process on XXXX of XXXX and planned to begin making payments again in XXXX. I even made a good faith payment and the lowered rate they laid to me about. 

How is it that I am begging and calling the bank twice a week to try and make my payments. 

Why will it take 2 more months for me to enter a three month program which I should have already completed it US bank account as doing their job. 

Does the FCPB provide legal counsel? Who can help me? My eights have been violated and this ban should be sued!!!!

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 2021-07-15
Company: Sterling Infosystems Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had a background check done by Sterling for a hotel who offered me a position.They emailed me and gave me a link to click on to view a copy.The information on this report was false.I have never been Charged as a XXXX offender.This is ruining my life.i cant get a job, and i cant apply for housing.The statement is false, and it left out some things that were in my XXXX  history.I had a background check done 3years ago and this information was not on there.Please help me.this false information is ruining my life.

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