BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I have contacted Synchrony Bank/Mattress Firm Home Credit card multiple times regarding a fraudulently opened credit card that is under my name, which was opened XX/XX/2020. I have told this company that this credit card account is fraud and I am a victim of identity theft. Synchrony keeps trying to collect a debt that is not mine and harassing me. They have reported this to the 3 major credit bureaus multiple times ruining my credit. As soon as I found out about this fraudulent credit card account I let them know right away, which was XX/XX/2020. I have sent this company multiple police reports, FTC Reports, filed a better business bureau complaint, and filed Identity theft reports. I am also working with a lawyer. I sent this company proof that I am a victim of identity theft and they still keep harassing me to pay a debt that is not mine. They kept sending the past credit card statements to a place in XXXX, Florida, which I have never lived in Florida and I have proof that I have never lived in Florida from the FTC report I filed. I also let the 3 credit bureaus know that the XXXX, Florida  address was never mine and they took it off my credit bureau as being identity theft. I believe the criminal who opened this fraudulent credit card on XXXX XXXX, 2020 is the one that is living in Florida because that is where the statements and credit card was opened. I have lived in XXXX  my entire life except for when I moved to XXXX  at the end of 2020. I found out in XX/XX/2020 that I had a fraudulent account opened and I notified synchrony bank right away that this was a fraudulent account. I have never received or purchased any goods or services from Synchrony Bank/Mattress Firm Home Credit. My personal information has been compromised on multiple occasions and I have been a victim of identity theft. Please see attached all the evidence. I will continue to do what I have to do to get this account closed as fraud. I will not stop until something gets done. I would not be wasting my time doing all of this if it was not identity theft.

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 2020-01-27
Company: EQUIFAX, INC.
State: AR
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 went to help my daughter get an apartment by being a cosigner, and was informed by their management that my credit was horrible. I pulled my credit report and seen accounts that did not belong to me. PLEASE DELETE THESE ACCOUNTS. 

XXXX XXXX XXXX  XXXX {$19000.00} XXXX XXXX XXXX {$660.00} XXXX XXXX XXXX XXXX XXXX {$1800.00} BANKRUPTCY CHAPTER XXXX - DISCHARGED XXXX {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
-Violation of 15 U.S. Code 1692c - Communication in connection with debt collection I did not give permission to any debt collector to contact me -Violation of 15 USC 1681 ( 2 ) Exclusions ( 3 ) ( e ) - The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 
-Letters have been sent to my residence in which I did not authorize any information from my credit card, which by definition credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. Source 15 USC 1602 ( l )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
As ALWAYS with TRANSUNION, I have sent all personal information required to verify who I am. Only response was a mailing addressed to some other person at my address. 
I tried to contact transunion on their web site and by phone ... ..ALWAYS THE SAME. 
Can not log in because they force you into a loop making it impossible to log in. The same with phone contact. It goes to automated answering which does the same routine, THE LOOP. 
I am beginning to think that this is just another company that facilitates HACKING INTO PEOPLE 'S ACCOUNTS. There is no other apparent reason for their existence. They seem to XXXX XXXX  people 's information only to manipulate into some other entity. 

At the present time my phone has been on hold for over an hour with the same cacophony polluting the airwaves.

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 2023-06-08
Company: Experian Information Solutions Inc.
State: MS
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 did not consent to authorize nor benefit from these account ( s ).

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 2022-08-30
Company: Choice Recovery, Inc.
State: FL
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:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: AmeriCollect
State: FL
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:
This is a violation of the FCRA and is also in violation of requisite XXXX XXXX Compliant reporting standards

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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'm writing the complaint because I've disputed these accounts multiple times and have received no results or the evidence of accuracy.

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 2021-07-12
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I was in Macy 's Department Store on XX/XX/2021 shopping with my Macys Platinum card to buy a suit. When I went to pay for the Suit the cashier talked me into opening a Macys American Express Card. He explained that i would get a discount on the suit and that the Macys American Card I could use anywhere not just Macys. He said I would receive my new Macys American Express card in the mail along with the bill and the discount on it .. TodayI just received A New Macy 's Silver Card not a XXXX XXXX XXXX and no bill, Since I already have their Platinum card I have no use for the Silver Macys card. I called Macys about this and they told me that this happened because XXXX XXXX turned me down so they opened the Silver Macys card. Prior to my visit to Macys that day my credit score was XXXX. Now I did not ask for that Silver Macys card and I am sure it will affect my credit negatively. If XXXX XXXX turned me down they should have notified me and after that Macys should have asked me if i wanted the Silver card. Not take it upon themselves to open a Card I did not ask for. I put in a complaint with Macys i spoke with a supervisor ID # XXXX and she explained what happened but she could not change it that i would have to keep the card. I Have had a Macys card for 10 years and never had any problems with my credit. I was told that I was getting an Upgrade on My Macys Card To an XXXX XXXX card. I was Lied to.

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 2019-11-27
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I was told by Navient customer service on different telephone calls that per my situation, a forbearance was something I could utilize as I wouldn't pay anything during the forebearance. It was not made clear that interest would continue to accrue nor was I provided the amount of interest. On XX/XX/2019 in my telephone conversation with Navient I was told that principle would be paid off as well as interest on my loan of {$78000.00}. When I looked on the Navient website today my total loan amount is {$78000.00}. When I agreed to the current pay-off plan of 8 years I was told the {$680.00} would not only go to interest but to principle as well. This has not been the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-14
Company: F.H. Cann & Associates, Inc.
State: AR
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Six months ago I got in contact with the collection agency that has my student loans that are currently in default because I wanted to improve my credit and start repaying my loans. The collection agency is called FHCann & Associates and this is the worst company I have EVER dealt with. The process to start paying my loans back took many, many, many phone calls while I was trying to work. They needed paperwork after paper work. I was having to fax them and that wasn't good enough so I had to email them and that still wasn't good enough. This went on and on to the point that it was absolutely ridiculous. We had settled for {$100.00} a month so I had direct deposit set up for them to take it out my account and they have every month without fail. They had tried to go up on my payments to {$150.00} and then they actually tried to go down on my payments to I think it was {$55.00}. I told them that we would keep it at {$100.00} and they agreed. I was also told that after I make 9 payments on time that my loan would come out of default status and I would be able to make my payments to the Department of Education instead of them. Finally I was told that the papers I had sent were good but they had already taken I think 2 payments and I thought we were all set. All of a sudden I get my statement in the mail and it looks different so I called them. They stated that even though I had been making payments every month on time through direct deposit that it was not qualifying payments and I would basically have to start all over again and they needed a new income statement and pay stubs. I am currently in the busiest time of the year so I have been pulling 60 plus hours every  week since the beginning of the year so when I send them my financial statement my payments will be outrageous and because I won't be able to afford those payments so then any payments I make would be non-qualifying payments therefore my loan would never come out of default. I am trying to do what I can to make payments on time every month, they are the ones who set the amount to come out my account. I feel that I have done my part and this is harassment and unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I worked with Navy Federal to get a mortgage on my first house. During the entire process I felt bullied because of my age since I am very young to be purchasing a home. He neglected to tell me that I am required to have XXXX sources of credit history of 12 months, which he knew in the beginning I did not have. He requested an extension twice even though I submitted all the requested forms within 24 hours of his request. He never submit a final approval letter within thirty days of the original contract being executed and when he asked for yet another extension the seller denied costing me to lose my binder deposit. I do not feel it is fair for me to lose my money at the expense of my loan officer 's lack of communication. There were weeks where he did not even return an email or phone call. During the entire process he continued to tell me and my realtor that everything was going as planned which when he asked for another extension came as a shock. He made claims such as money laundering towards me because I mentioned I had cash savings at home from my recent graduation. He did not communicate from the beginning and now I am out a lot of money at his expense.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-30
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was offered an online job from XXXX. The " HR '' manager contacted me and informed me that a check was going to be issued to me from XXXX XXXX in the amount of {$1700.00} and for me to send the money via XXXX  to " vendors '' for office equipment and that I was to keep {$200.00} for a hire on bonus. Once I deposited the check, Chase bank told me it was good. I dispersed the funds to the people I was told to send the money to and a day later, the bank took the money back stating that the check had been altered. this all occurred on XXXX and XXXX. I have contacted Chase bank and they said there was nothing they could do since I used XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-25
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I sent a debt validation letter for SPS to respond to on XX/XX/2018. SPS refused to respond to the letter, and they put my house in foreclosure. CFPB and the federal law states that the lender must respond to the debt validation within 30 days of receiving the letter. I want SPS to follow the law and respond to this letter. The letter was via certified mail and I have a return receipt of the letter. Please send this letter to SPS and please give me a response back as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: Charlottesville Bureau of Credits, Inc
State: MD
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I applied for a credit card and was denied. When looking at my credit record to determine why, I found a " medical debt '' reported by a Valley Credit company that I have never heard of. I received no notification ( s ) from Valley Credit or anyone else about any potential medical debt that I might owe, or given any opportunity to request more information about or dispute. Isn't this a violation of my FCRA rights??

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-30
Company: First Technology Federal Credit Union
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Three times First Tech Federal Credit Union have applied my car payment to another account. One time theyve even reported me to the credit bureau. I received a late payment letter. When I called them to tell them that I made the payment a week earlier than the due date, it took them 2 weeks to apply my payment to the correct account. They had to send a letter of correction to the credit bureau. They charged me extra fees saying that I needed to put back {$3.00} in a share account. I asked them why should I send and extra {$3.00}. When my payment is {$390.00} and many times Ive written the check for {$370.00}. Ive never seen this extra amount applied to my car loan. I sent the extra {$3.00} but when I went to a location to pay my XX/XX/2022 payment, I was told that I still owed the extra money. Every monthly I have to call to make sure theyve applied my payment to my auto loan. Im really tired of having to argue with them over the phone about their mistakes. I cant help but to think that theres something wrong going on. They never gave me a reasonable answer about the {$3.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-19
Company: EQUIFAX, 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: Old information reappears or never goes away

Complaint:
Information that I have a current derogrtory account was falsely furnished to XXXX, when applying for credit. I have no current derogatory accounts and obviously old information was referenced to deny me credit, unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-30
Company: TRUIST FINANCIAL CORPORATION
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear CFPB, I always come to you for my issues and you've never failed to disappoint me. Actually issue is that I sent money via XXXX to a business for some goods that I placed order for. However later on that business stopped responding to my texts and then blocked me. I tried to do the dispute with the bank ( Truist ) but there was no assistance provided since it was a XXXX transaction. I want your help in launching this dispute with the bank. I am happy to provide any evidence they will be needing. 

Thanks and looking forward to your assistance here. 

Regards, 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 2021-07-06
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
XXXX XXXX I logged into my Chase account and scheduled funds transfer of XXXX  USD I got message this is being reviewed and then below email message came to my XXXX acc From Account Ending in XXXX Transaction Number : XXXX Dear Customer : We canceled your wire transfer request as part of our security review. 

If we have not spoken with you about this, please call us at XXXX and enter option 3 to prevent further restrictions on your account. 

Sincerely, XXXX XXXX XXXX Banking I am currently stuck in XXXX due to Pandemic and no fly restriction from my company but when I call the given number mentioned in mail - it goes to automatic robotic instructions with endless waiting time When I re login to my account I got a message We locked your account to protect it from suspicious activity. 

Now I am stuck outside XXXX and unable to withdraw my own funds that I need urgently here Please help Thanks XXXX XXXX My XXXX # XXXX XXXX My XXXX # XXXX - I m unable to use this here in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-01
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I applied for a Delta American Express card in XX/XX/2017 with an offer of a XXXX bonus point offer if I meet a minimum spend requirement within three months. I met the minimum spend requirement within three months. I had the account open for another three months after that. I never received the bonus. I followed up with American Express multiple times and they told me they will have to investigate the case. After six months of having the card I did not want the card anymore and closed it. Finally once I closed the card they told me the investigation has closed but they don't have a place to send the bonus due to my account being closed. They have my Delta account and can send it there as they always do but they told me I would need that card to be open.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-06
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account information incorrect

Complaint:
I settled my Capital One credit card charge off. Capital One did not report the change. I filed a dispute with the credit bureaus asking they correct or delete the inaccurate information. Capital One verified inaccurate information and the credit bureaus are refusing to correct or remove the inaccurate information. If this is not corrected i will seek a consumer protection attorney to pursue legal action for violation of the FCRA.

Company response to consumer: Closed with explanation