BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I received a credit card in the mail from Synchrony Financial located in XXXX FL. The account was opened on XX/XX/18 without my knowledge or consent. It appears on my credit report from all 3 reporting agencies and includes a hard inquiry from the same company. I neither applied for or authorized the inquiry or the opening of the account. I have contacted Synchrony Financial and it has not been closed or removed from my credit reports. The company would not say who applied for the credit card and I suspect they did this on their own without permission.

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 2020-11-14
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I received the attached email on XX/XX/XXXX, of XXXX and followed the steps below to open the account with a {$15000.00} initial deposit that I left in the account well over 60 days. In the beginning I was not able to fund the account because it required that I receive a debit card in order to make the electronic funds transfer. 

I called Citibank three times in the beginning letting them know I still have not received my debit card so that I can transfer the funds in 30 days. I asked the representative to note in my account that I had not received my debit card, thus could not make the required deposit within 30 days. They assured me I would still receive my bonus and told me that would note that in my account that I am still eligible for the bonus and sited that I did not receive the debit card yet to make the required transfer. 

Finally, I received my debit card in the mail and made the funds transfer immediately of the {$15000.00} which cleared on XX/XX/XXXX. I left the {$15000.00} in the account all the way to XX/XX/XXXX ( well over the 60-day requirement ) at which point I withdrew {$5000.00} of the money ( leaving {$10000.00} in my account to avoid monthly bank fees ). 

Since my funding of the account I have yet to receive my bonus and I have called them about 8 times inquiring about this. The last two times that I contacted Citibank about this are on XX/XX/XXXX where the woman I spoke with told me she would but in a request for my review. She had asked me for the promo code and I told her I did not see any promo code in the attached email, when she said don't worry I will look it up and put in the promo code for you. The Promo code that the representative put in was not the right promo code as I received the attached message saying that my promotion expired on XX/XX/XXXX ( obviously she put in the wrong promotion code ) I have attached that letter as well as my history of deposits and balances. I called Citibank again today on XX/XX/XXXX at XXXX and spoke with a supervisor named XXXX XXXX Employee ID # XXXX ) and she said she will send my information back for review again within Citibank . Since opening the account, I have only received XXXX cents in interest. 

I have asked Citibank if there is a way I can forward them the attached email that they sent me on XX/XX/XXXX and they said they have no way of doing that. This has dragged on far too long, thus the reason for my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-21
Company: Paypal Holdings, Inc
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Unexpected or other fees

Complaint:
First week of XXXX PayPal froze the funds in my account due to suspicious activity but refused to tell me exactly what. I tried to resolve the confusion because I knew I wasn't doing anything wrong by my boyfriend 's mom sending me money. They limited my account for 180 days no explanation. Once the 180 days was up they sent me an email saying my funds were finally eligible to withdrawal. When I tried to do that it wouldn't let me. I've emailed PayPal asking for help and only get responses saying i can't use PayPal and they can't tell me anything else. When I've called PayPal they also told me they won't release my money and can't tell me anything else. I don't know what to do. Over 700 dollars that is legitimately mine and they refuse to help me and are robbing me it feels like. Please help XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Selene Holdings LLC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020, I requested my mortgage company, Selene Finance, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on XXXX ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time. 
1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-16
Company: Experian Information Solutions Inc.
State: NC
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: Investigation took more than 30 days

Complaint:
I wrote a letter to Experian on XX/XX/XXXX, asking them to investigate errors on my credit report. They were supposed to respond in 30 days, but they have not.

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 2018-02-26
Company: Paypal Holdings, Inc
State: WI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Six months ago, around XX/XX/XXXX and XX/XX/XXXX my PayPal account was hacked. The person managed to hack another person to send money to my account and get the money. Since then my paypal account was negative for a period of time till I got calls about the money being owed and eventually got a letter from collections. I tried to contact paypal multiple times to tell them that it wasnt me and that I was hacked. Im hard of XXXX  and have XXXX, so I have problems with communicating with people in real life and sometimes go online to chat and without realizing it I give my personal info by accident. I wrote a letter explaining this to PayPal but I got a letter again dated XX/XX/XXXX saying I had to pay {$1700.00} but they will settle for {$1200.00}. I can not afford to pay this, especially for something that wasnt my fault at all. PayPal is more trouble than its worth and needs to be flagged. They take advantage of a lot of people. I already have credit isssues and Im in the process of trying to fix it but this makes it worse. Please tell me something can be done, I dont know what else to do.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-31
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received check for {$17000.00} from our homeowner 's insurance company for roof replacement because of damage to roof. As instructed, sent to mortgage company 's loan servicer ( XXXX  is the mortgage company, Loancare LLC is the servicer ) for their signature on the check so that the roofer can be paid. Before sending, I called Loancare LLC for the correct address to send to because I was sending via XXXX. Their customer service representative gave me the address and someone at their office signed for it on XX/XX/2020. I included in the XXXX  package a return envelope to me charging it to my personal XXXX  account to expedite the return. I called several times this week to check on its progress, and each time I was told that can't find and that they will not try to look for it. In fact, the third time I spoke with them, the customer service representative told me that she doesn't have the phone number for the office where it was sent - even though it is the same company! They have refused to look for this check, and in the meantime, my roof is in poor condition which can cause damage to the interior of my home. Every moment that they refuse to cooperate puts my home at risk. Even if I ask the insurance company to put a stop-payment on it and reissue, I would have to go through the same procedure with no assurance that they would not lose it again. No one there seems to care about this at all, and no one is willing to help. 
Yesterday, I faxed a plea to their customer service department hoping that someone would respond to it but they have ignored that also. Unfortunately, their office is almost 1,000 miles away from where I live so I can not just walk into the office. I need help urgently because of the condition of my roof - and my roofer will not work until payment is guaranteed.

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 2021-04-10
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was never evicted. I do not owe this company this amount of money. They are charging me 6 months of rent when I was not living there. I Never signed a lease with them. This is affecting me being able to get approved at other rental companies. I have good rental history prior to this. Transunion removed this account after dispute. Please do the same. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XXXX of 2020, I requested my mortgage company, XXXX XXXX, to be placed into forbearance due to the pandemic slowing work and desperately trying to get the house ready to be sold. We were placed in forbearance XXXX, XXXX and XXXX. I began paying again in XXXX. I paid 2 payments in XXXX for XXXX and XXXX. The was sold at the end of XXXX. During that time i tried to reach out to the company on several occassions via phone and email. I could never get anyone to talk to me about my account to make sure everything was on track being that were back into paying payments. When we sold the house we tried 15 times between us and title company to recieve a pay-off letter. It wasnt until 3 weeks later that i recieved a letter in the mail. Their XXXX i owed them sat in an escrow account the entire time. They were paid, they satisfied the loan with the courts. 
Then when i ran my credit again, they placed a 90 day late payment in XXXX on Experian ( never a 30 day or 60 day ). I have tried several times to work with them and i have now spoke to 15 different agents and i get a different answer every time.

1. i was told that since i paid the loan off early it kicked us out of forbearance 2. I was told the title company paid the mortgage {$14.00} short 3. I was told the XXXX payment was applied to XXXX and so on. 

The list goes on. Everytime i try to get someone to help me, I am told to email customer service and then i never recieve a response. I have every bank statement, all document and all information that shows that we did everything keep ourselves in good standing with 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 2018-10-16
Company: Experian Information Solutions Inc.
State: CA
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:
Experian is reporting 3 collection accounts that do no belong to me. I believe it is because I am a Senior and my son had the same address for a period of time. They are reporting that XXXX XXXX has 3 medical collection accounts with account numbers : XXXX, XXXX, XXXX. 

Experian is not reporting the contact information for XXXX XXXX so I can contact them and ask them to remove it and conduct an investigation so I have to guess who they are and try to find the company. I have never heard from XXXX XXXX and they have NEVER attempted to validate this debt yet Experian just puts it on my report with no notice or way to contact 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 2020-06-03
Company: Experian Information Solutions Inc.
State: TN
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 am writing this due to non-compliance with the ( XXXX, Experian, XXXX  ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.

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 2020-01-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 my credit profile and noticed inaccuracies and false accusations and fraudulent accounts.

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 2020-01-31
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 was trying to cosign for my mom a new vehicle, and my salesman told me that my credit was too low accept me as a cosigner. I asked him to review my credit report for me. There are several student loans and collection accounts that do not belong to me. I never even went to college in my life. Please remove these items from my report. 

XXXX XXXX {$1000.00} XXXX XXXX XXXX {$160.00} XXXX XXXX XXXX {$96.00} XXXX  XXXX XXXX {$350.00} XXXX XXXX XXXX {$67.00} XXXX XXXX {$41.00} XXXX XXXX XXXX {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: I.C. System, Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I had an account with XXXX in 2009 and I canceled early. They sent me to collections in the same year. I was going through a divorce and they sent it to a company called XXXX XXXX XXXX. They keep changing the dates on my report to reage the account. I have requested this be fixed multiple times and they ignore my requests.

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 2021-10-04
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They want to collect {$8000.00}, from me even though I owe them {$5900.00}. They employ all kinds of tactics to frustrate me. I made them an offer, considering my financial condition. They lied that I denied the charges, even though they interviewed me several times and I kept telling them that the charges were not unauthorized. Again, I never denied the charges. They made false declarations in court that I denied the charges. They took me to XXXX Court, but when I showed up they dismissed the case. They took me to court in XXXX XXXX, when I responded they keep switching lawyers and all of their actions are efforts to frustrate me. They are causing me emotional pains and distress. I made them an offer, which they said was a good offer, but they are not reconciling this with their representatives. I attach a false declaration that Wells Fargo N.A. made against me. 
The case was dismissed in XXXX, Texas.

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 2021-04-10
Company: LD Holdings Group, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020 I started the process to refinance my house. My mortgage company is Loan Depot, after speaking with my mortgage broker ( XXXX XXXX XXXX  ) and getting the process started, he told me it looked we could go through Loan Depot and " upgrade '' to a conventional loan and that they would just need another appraisal and that would be good because the value of my house has gone up considerably since we purchased it. So the appraisal happened with a Loan Depot affiliate and it came back way low. This caused us to pause the process and reevaluate our refinance. In the meantime Loan Depot had already moved our mortgage into what I was told was " underwriting '' this makes it impossible to make the payment to the current loan without calling it in. Calling Loan Depot is a very difficult process very long hold times and many transfers to different departments within Loan Depot in an effort to figure out where to make the payment. I had the same problem every month. I got through XXXX XXXX and XXXX but many phone calls to do it. We revisited refinancing again after paying for another appraisal. This appraisal came back more in-line with the local market XXXX higher than the 1st. Since this second attempt it is even harder to get in contact with Loan Depot to make the payment while in negotiations.In XXXX I spent 5+ hours on the phone trying to make a payment they kept saying that they could not find my account " it must be in underwriting '' is what I was told again. I had them send me an email stating this as I was complaining that the payment was going to be late and I couldn't have it show up on my credit report because I was refinancing. XXXX XXXX assured me that wouldn't happen this was totally their fault. She follows up with the email and in the email and says that she found my account number and here is how you can make the payment. I try this and the automated system will not work. So it takes many more calls to finally make the payment but not until XX/XX/XXXX wich I paid both XXXX and XXXX then. 2 days later I get a notice from Credit monitoring app sends an alert that Loan depot flagged my account as late. This Drops my credit score XXXX points. I dispute this at XXXX and I called Loan Depot they said they would fix it. Next notification I get is from Experience saying that Loandepot has said that the late payment was accurate and they would not fix it. I called Loan Depot and requested a supervisor or manager to call me I was told they would call me within 24-48 hours. That was last Wednesday. I never heard from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
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:
Upon checking XXXX XXXX I seen that my score dropped 63 points for a new open account. It only dropped 14 with XXXX. Their site says you cant dispute scores and other ppl I work with have had same issue with transunion. That is a lot of points for a new credit card 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 2022-08-08
Company: EQUIFAX, INC.
State: NC
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'm XXXX XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation