BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-26
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX-18 I received 2 phone call from synchrony bank TJX rewards. On the second call I answered. In this conversation I had to ask what company she was with three times because she would tell. She falsified release of information and documentation on the account. She removed information from the account and when requested to speak with a supervisor she went silent and never transferes the call. I waited about 5 minutes to ne transferred and continued to ask " am I being transferres to the supervisor? ", no response but I could hear whisper and random noises. 

About an hour later I called Synchrony bank TJX rewards back, got a gentlemen who was unable to pull my records by phone. I was forced to release my social security number for my records to be pulled. I explained the situation and he stated no notes from prior conversation that day ; another example of falsification. I requestes to speak with a supervisor and he transferred me to XXXX XXXX who updated my phone number back into the system and verified my information synchrony bank has. She explained that they would look into the situation. I dont believe this matter will be reviewed and handled as she states. 

I had called in last week and advised of my situation and what my plan is. Ive made arrangements and advised them that I am aware that my credit could be impacted. 

I would like a full investigation done on this matter. Per my cell phone recordings this conversation took place on XXXX-18 at XXXX. PST. Please pull the recordings and listen to the conversation with XXXX and dont rely on the company to do their due diligence on the matter. 

I feel that I am being harassed, threatened, misled, & abused by Synchrony Bank TJX Rewards. This  is a serious matter that needs to be addressed.

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 2018-01-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
once again citizens bank has charged my account an an overdraft fee that should not apply. I find my experience with Citizens bank exhausting. Upon looking at my account this morning I discovered I had been charge 2 over draft fees equaling XXXX dollars on 2 transactions one dated XX/XX/18 a transaction went thru for XXXX wich left my account with XXXX cents my second transaction which posted latter that night from XXXX for XXXX. XXXX left me negative XXXX cents but citizens charge me for 2 over draft fees Maybe some one should start looking into this bank. Something seem very shady about all of this. It has been becoming a job to make sure my own bank is not over charging me for fees someone please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I have sent several letters to XXXX and Experian requesting for them to remove the reporting of Bankruptcy on my credit file. I have sent letters to the Courts and they have advised me they do not report to the credit bureaus. XXXX has already deleted this information upon my request. The bankruptcy was filed in XXXX and dismissed in XXXX. These credit bureaus have purchased from my information from a 3rd party company such as XXXX XXXX without my permission. This information should be deleted. I have sent 3 certified dispute letters each to both Experian and XXXX on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they keep coming back saying Verified which is in violation of the Fair Credit reporting act.

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 2019-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
I filed Bankruptcy and included my XXXX XXXX XXXX credit card. The debt was discharged but XXXX   XXXX XXXX sold the debt to XXXX XXXX XXXX. I have provided both companies with proof of my discharge and their debt and XXXX XXXX XXXX  is listed as a discharged by the U.S bankruptcy court, but they refused to remove it and are constantly trying to collect a debt that has been discharged.  that's illegal -- I have included proof that my bankruptcy was discharged and XXXX XXXX XXXX is listed in the paperwork **XXXX XXXX XXXX is showing collection charge off, but they were paid. I have included proof to show my balance was paid

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
We wanted to adopt the kitten from the XXXX account XXXX  XXXX. On XX/XX/XXXX I texted them to gain more information about the kitten. The seller said that all the kittens cost {$400.00} for adoption and they will be sending the kitten from XXXX, CA. I agreed to pay only {$200.00} and then pay the other half after we will sign the paper work. The seller agreed on that. We signed the paper work and sent him anorak {$200.00} from XXXX  to the email address XXXX. After he received the money he said that he will send our kitten on XX/XX/XXXX in the morning. On XX/XX/XXXX at around XXXX he sent me a tracking number to track our kitten at the website XXXX. After that the delivery guy contacted me and confirmed our shipment and delivery. After a few hours we received an email from XXXX saying that we need to get a proper crate to them be able to deliver a kitten and the rent for this will cost us option number 1 : {$2100.00}, option number 2 : {$1200.00} and option number 3 : {$550.00}. We choose the option number 3 and made a payment of {$550.00} through XXXX  to the email address XXXX. The accepted the money and said that they are confirming it. After a few hours they emailed us saying that the option number 3 is not available anymore and we have to get the option number 1 which is {$2100.00}. We didnt want to pay that money and kindly asked to return our money since the money was 100 % refundable. But they say that they cant return money since they can only return it when deliver the kitten with cash. We did not want it and so he said he will contact the sender and call us back. The seller contacted me and said sorry and said they he will pay {$1000.00} for crate and we can pay only {$550.00}, we agreed on that. We sent {$550.00} to the delivery company. The delivery guy contacted us and said that they have received the money and ready to ship our kitten. In the morning on XX/XX/XXXX we received another email saying our cat is on hold again because we need to purchase city permit for the kitten which cost {$2100.00} and if we will not do that they will not deliver the kitten. We asked them to refund our money and send the kitten back to the sender. They dont want to return our money now.

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 2020-10-09
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:
Credit reporting agency will not remove this fraudulent account ( XXXX   XXXX  XXXX  $ ) This was a fraudulent account. I do not have XXXX, this has been wiped off my report and continues to reappear even though I provide evidence that this was ID Theft. I will upload my report with the CFPB. I have disputed it a couple times each time submitted the pertinent information to prove it is ID Theft. The credit Bureaus will not remove it and continue to update the derogatory each month along with keeping the balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On XX/XX/20, out of nowhere, Bank of America closed all of my credit cards. I had only known this from my cards being declined -- there was no notice at all in the mobile banking app nor any emails. When I called that day, they told me I had 3 weeks until my entire account with the bank ( Checking, Savings, 3 credit cards and 2 investment accounts ) will be fully closed. I have been a customer for over 10 years and was just recently upgraded to their Premium Rewards tier. They won't give  me any explanation except " it was a business decision. '' My credit score stands to get hurt because those were my longest cards, and I can't even redeem reward points ( {$300.00} ) I earned over the year because they closed my cards. They won't even give me the decency to have a conversation about why they did what they did. When I tried to talk to the rewards support team, the agent transferring me hung up on me, not letting me talk to the team. 

The letters I did receive regarding the account closures were sent piecemeal and days apart ( 2 on XXXX, the rest on XXXX ) -- had I not called, I would have lost a week to get my finances in order. How hard is it to send a message via the banking app or email?

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 2019-07-05
Company: EQUIFAX, INC.
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: Old information reappears or never goes away

Complaint:
In XX/XX/2018, I closed an XXXX XXXX Account. I had been dealing with several issues of identity theft, related to my ex-husband 's theft of my credit cards and personal information. The bills for this card were not going to my address as a result of this. When I was alerted to the debt, I attempted to get the debt consolidated with XXXX XXXX XXXX, an organization I had been working with to pay off the debts accrued by my ex husband, in an effort to repair my credit. XXXX XXXX made it very difficult to consolidate under this program, even though I was able to do this easily with my bank, which had recommended the program as a legitimate non-profit debt consolidation ( not forgiveness ) program. 

I spoke to an XXXX representative and explained the situation to the individual on the phone, stating that I would pay off the debt in full, but that I wanted adverse information about the debt off my credit report, as I had not acquired the debt, nor had I received any indication the debt had been accrued, since the bills were not sent to my address. 

I agreed to a lump sum payoff under the understanding that this adverse information would be removed from my credit report. The cost was substantial to me, around {$10000.00}, but it was worth the price of fixing my credit and moving on from the debts accrued in my name. I was under the impression the individual I spoke with on the phone agreed to these terms. However, several months later, the adverse information is still on my credit report and, in fact, until last month, XXXX XXXX was still reflecting that I had not paid the debt, though I had done so more than a year earlier. 

I am very distressed by this situation, as the identity theft has severely impacted my credit score and made it nearly impossible to move on from my divorce and find a new home for myself and my children. I would like this issue resolved, and for further advice on how to remove other negative items on my report that have been the result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-09
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I took a 3 month payment holiday on my 2 mortgages ( two separate properties ) with Wells Fargo. After I started repayments, they said they would move the missed payments ( really principal ) to the end of the mortgage as a balloon payment. I agreed to those terms. 

The problem is that my account history in my online banking portal shows that WF has added, not shifted, the principal to both mortgages. One phone rep told me the problem was with WF systems and internally WF has only shifted the principal. But that's not what my online banking account history shows. When I called WF customer service they were not helpful and finally sent me a letter telling me " We've determined the accounts were handled properly and no corrections are needed as no error has occured ''. The letter goes on to say that the balances have been treated correctly on my monthly statement. 

Its true that the monthly statement does break out the continuing and the deferred principal amounts but the problem is that the sum is still additive, not a deferral. 

I need help to force WF to show the deferred principal as a deferral, not an additional amount.

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 2021-04-22
Company: EQUIFAX, INC.
State: SC
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 to delete the information in my file. The items i need deleted are listed in the report. I am a victim of Identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and i also have enclosed copies of the Federal Trade Commission 's Identity theft affidavit. I would appreciate it if you deleted these items as soon as possible as it is hindering me. I'm trying to advance in my life by getting a house and a car to provide for me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
In accordance with the Fair Credit Report Act XXXX account # XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C. 1681 Section 602 A states that i have the right to privacy, 15 U.S.C. 1681 section 602 A section 2, states a consumer reporting agency can not furnish an account without written instructions or consent.

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 2019-07-05
Company: JPMORGAN CHASE & CO.
State: FL
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:
One year after I turned my XXXX leased car into XXXX and bought a new car from XXXX, I received a letter from a collection agency saying I owed {$590.00} to JPMorgan Chase Bank. I have never not paid a bill on time. XXXX XXXX told me they were taking care of everything I owed on the XXXX lease. I left the car there paid for the new car and everything was fine until one Year later when I received letter from XXXX XXXX XXXX XXXX N J. I called and was told I owed this money from the leased XXXX. I was never called or received anything in the mail. I called XXXX and they said they had my previous address and phone number, so I never heard from them. I called XXXX and they said that it was not their responsibility even though they told me they would pay everything I still owed. I never received any bill in one year. I had a stellar credit report and this significantly lowered my score. I paid the bill the same day I received the letter and feel this was unfair. If the collection agency was able to get my new information, why couldnt JP Morgan Chase? I also have a few credit cards with them, so they have my social security number and I have never been late.My XXXX was bought in XX/XX/XXXX. My lease from XXXX was XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: Navient Solutions, LLC.
State: MT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I enrolled in XXXX university online in XX/XX/XXXX. The counciller i was asigned didnt explain student loans, and coerced me into taking out more loans than i needed saying i would recieve checks so i could afford to go to school and pay bills while i was on workers comp. i never recieved any of the money, information about my loans or a payment plan. i dropped out in XX/XX/XXXX due to the school refusing to send me correct programs like XXXX so i could do my coursework and the teachers refused to help. i called navient and XXXX XXXX in XX/XX/XXXX starting in XX/XX/XXXX trying to figure out about my loans and was just transfered time and time again only to be hung up on. I had a representative call me and then call me the wrong name and hung up. I am trying to get out of default but i never even knew how much my payments were or where i needrd to send them. in total i have {$14000.00} in defaulted loans and have no idea where to turn. my wages are being garnished and my paychecks. Im XXXX XXXX and ive tried filing for new direct consolidatrd loans and was just denied. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by TransUnion. Despite sending them the last letter, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, TransUnion has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXXXXXXDate of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX, XXXX-Date of Inquiry 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 non-monetary relief
Consumer complaint received 2019-01-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Portfolio recovery Systems sent me a letter dated XX/XX/XXXX which I just received today XX/XX/XXXX. This is not a refusal to pay a debt, but a request for validation of the said account. Which I have asked for repeatedly over and over again. As per my conversation with one of your representatives ( that i recorded ), I requested that she send me ALL the information about this account so that I can dispute it, I have no knowledge of this account. You have not complied. She warned me that if this debt was verified using my name and Social Security which you already have, that you would still considered this to be my bill. I am sending an official request in writing for ALL records of this account, so that I may do my own investigation. Send me ALL documentation you have, other then when the account was opened and when you received this account from XXXX XXXX XXXX, and by ALL information I am asking for payment records as well as detailed billing of the account. Your letter is somewhat confusing to me, Did you purchase this account, Was it assigned to you to collect, or was it transferred to you? I would also like that documentation as well. Also I would like proof that you are licensed to collect a debt in the state of NY. At this time I would also request that any correspondence to me be done by mail only.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-05
Company: JPMORGAN CHASE & CO.
State: FL
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'm trying to dispute a few purchases on my credit card that I never made. The transactions are from a recent trip to Puerto Rico, so I'm sure I'm not the first American citizen to be a victim of this fraud. I already called Chase Bank and spoke with three different representatives, but none of them have been helpful.

Company response to consumer: Closed with explanation