BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-12-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
Synchrony Bank XX/XX/2021 XXXX XXXX. XXXX XXXX XXXX, FL XXXX RE : Home Design & Safe Streets XXXX XXXX Your Account # XXXX Please note this is the LAST time I will be personally trying to contact you ; if this information does not get through to you and I hear from you XXXX more time you will be dealing with my attorney!!! 

I have repeatedly disputed through the credit bureau 's, as well as filled out a complaint with CFPB last XX/XX/XXXX, trying to resolve this fraud issue with you!! 

I have NEVER heard of or had any business with the above companies!! I have found XXXX cards that were mailed to me, but as you can see they were not activated and never used!! There is also a copy of a bill enclosed which I missed ; usually I return them to you telling you they are NOT MINE!!! 

I have had Fraud several times on my bank debit and credit cards, as well as my Amazon account. Obviously there is a mistake or fraud with the above companies as I have never heard of them, let alone done any business with them. 
This letter and enclosures best be enough to end this issue once and for all!!! XXXX XXXX cc : XXXX XXXX Bank XXXX CFPB XXXX XXXX Consumer Assistance XXXX Enclosures

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
the orginal complaint was not investigated correctly. Please find out who called me and why they said they were a mediatator prior to getting lawsuit papers the next few days and to be home to receive them. you only contacted XXXX which sold the complaint. you had the number i called with number to find out about the account and you did not follow up. XXXX said they sold to// : :If you have any additional questions regarding your account, please contact PORTFOLIO RECOVERY at XXXX. 
Please investigate this further as not a collectable debt and used forbidden tactics to try and get me to pay or reage a debt. Since then I get 2-3 calls a day from these people selling my phone number. Do not close an account before you speak and investigate. 
thanks XXXX XXXX XXXX '' '' '' : : : Summary of your complaint Complaint number : XXXX Date submitted to CFPB : XX/XX/XXXX Date sent to company : XX/XX/XXXX Product : Debt collection Issue : Took or threatened to take negative or legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-26
Company: SYNCHRONY FINANCIAL
State: CA
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:
( On XX/XX/XXXX ) My Care Credit Master Card account was Fraudulently accessed and my address was changed to ( XXXX XXXX XXXX XXXX, Ohio XXXX ) as well as other action with 2 other with Synchrony Bank Card accounts XX/XX/XXXX I contacted XXXX credit bureau to remove a fraud alert I had removed XXXX and was still active. 
While speaking to the agent by phone and viewing my credit report on-line at Experian.com, the Agent removed my fraud alert and I found ( viewing the acct.on line ) that 2 of my credit accounts were closed and an incorrect address had been reported .The agent verified the address change and both credit card closures were reported to XXXX by Synchrony Bank on XX/XX/XXXX XXXX The Home card was closed for " Inactivity '' and the XXXX card was v closed at " Customer request '' I filed a fraud dispute on XXXX card and a dispute to re-open my Home card. I then filed a dispute for fraudulent change of address with XXXX. 
XX/XX/XXXX I contacted Synchrony Bank XXXX Care Credit Master Card Fraud department by phone. Spoke with " XXXX '' He stated the address change was reported " on-line XX/XX/XXXX and updated to the account on XX/XX/XXXX. He placed a Temporary freeze on my account and issued a new card. I asked what the bank would do about my fraudulently accessed account, he said the bank does not inform customers on any action taken in fraud situations with customer accounts. 
Note : ( After reporting this address change on XX/XX/XXXX to Synchrony Bank ) On XX/XX/XXXX XXXX. ( XXXX ) I received my first communication of changes to my Care account : I received a letter from my Synchrony Care Credit Rewards Mastercard stating Synchrony Bank had received an address change and updated my accounts mailing address

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 2021-02-01
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX, Lakeview Loan Servicing LLC made a " Principal Balance Adjustment '' to my mortgage account in the amount of {$8500.00}. This amount appears as a " Deferred Balance '' on my mortgage statements beginning in XX/XX/XXXX. This balance adjustment was made in error, as confirmed by two separate customer service representatives whom I spoke with over the phone on XX/XX/XXXX. At that time, I was assured that the error would be corrected within 2-3 business days. As of XX/XX/XXXX, there has been no resolution and subsequent attempts to contact Lakeview Loan Servicing - both by phone and via their customer support web form - have been ignored. 

Background : From XX/XX/XXXX thru XX/XX/XXXX, my mortgage was on forbearance due to the pandemic. When my forbearance ended on XX/XX/XXXX, I paid the entire 6 month forbearance balance ( {$14000.00} ) in full. According to the customer service representatives that I spoke to on XX/XX/XXXX, Lakeview Loan Servicing LLC mistakenly deferred principal balance from the forbearance period, despite the fact that I had just paid the balance in full. As shown in the attached Payment History, the principal balance adjustment was made the same day on which I ended my forbearance and paid the 6-month balance. 

I have attached a copy of the 12-month payment history for this loan, including mortgage statements. The unexplained/errant Principal Balance Adjustment appears in the XXXX statement as " Deferred Balance '' and appears in the Payment History on XX/XX/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 2023-09-20
Company: SANTANDER HOLDINGS USA, INC.
State: MA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX of XXXX leased a vehicle in my name to someone that was NOT me. This person was able to sign for and leave with a brand new XXXX XXXX XXXX. They kept this vehicle over 2yrs before it was repossessed in XX/XX/XXXX and hit my credit just 3 months shy of the turn in date in XXXX. I requested all original documents from Chrysler Capital and when received, seen and verified it was not my signature or initials, not did I ever pick-up or receive this vehicle. I have asked for this account to be removed from my credit due to circumstances, but it has not been.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: Nelnet, Inc.
State: MN
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 went to the Minnesota XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX program. I enrolled inXX/XX/XXXX with the goals of becoming a probation officer. This school got shut down for fraud in XX/XX/XXXX, only 4 months from when I was to graduate with my XXXX. With this closure, students back to XX/XX/XXXX are being hurt. Since, I have student loans through two different companies, one of which I am referring to here. After my school closed for fraud, I had been in contact with my loan companies. I have two, a federal and private loan. I am referring to the federal loan here, which I am currently on a postponed payment status with, only until XX/XX/XXXX of this year. I talked to this borrower ( Nelnet ) about what to do with my loans being I am unable to use any of my schooling, but yet required to continue paying. My response after I applied for loan forgiveness was that I do not qualify. The problem is, I qualify for all of Nelnets requirements of loan forgiveness. The school ( XXXX ) is getting away with saying I " withdrew '' from the campus, when I was actually forced to quit without a transfer option. The school canceled my program quite a while before the closure came about. Because the school is saying I " withdrew '' due to their main campus being open for some days after my campus, the loan company is saying I do not qualify due to this statement. The fact is that I was forced to quit because the whole XXXX program of XXXX was canceled and the only " articulation agreement '' with another school was not what it was said out to be. Therefore I had no transfer option, even to a different campus. On top of all this, what I originally went to school for was never a valid program to begin with. I can not even use my general classes in future schooling due to it being a complete fraudulent program. I am writing in last attempts. I testified in front of the Minnesota house today on this subject, as a result was told to contact this reference. Im XXXX, was supposed to graduate with a XXXX in XXXX XXXX around 2 years ago. Instead, I am {$50000.00} in debt with a credit score that dropped over 300 points and there is nothing I can do about it. I am working in a XXXX and XXXX XXXX. Not only am I trying to pay my regular life bills, I am trying to pay on something I have no choice about when I can not use any of the time spent in school. Even had I graduated, I would have never been able to use my degree due to it being a fraudulent program. I am not sure who else to go to after this. Please, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XXXX XXXX 2021 I formally sent an Affidavit of truth outlining every violation American Express has done towards me. This was notarized and sent via certified mail and I have attached the receipt. I received a generic response from an unknown person from American Express. Attached is my original Affidavit of truth. I explicitly told them to cease and desist phone calls in my affidavit and they did NOT respect that at all, calling me all times of the day and while at work. I would ask if they have seen my affidavit and they would answer no and attempt to collect a debt. Now on XXXX2021, I was served in person for a lawsuit that has been filed since XXXX!! They expect me to take off work to go to a court house for an issue I've been trying to address since XXXX! At this point I, XXXX XXXX, am the original creditor, only creditor, and natural person, pursuant to 15 USC 1692 A. I am being harassed and extorted from a private company/ agent, American Express XXXX XXXX represented by XXXX XXXX XXXX XXXX for an alleged debt I have no awareness of. Once again, I am asking to provide me with proof of a contract that shows that I owe American Express a debt. Not billing statements or credit applications of me extending credit to American Express, but an actual contract. If you are unable to show proof, cease and desist, and delete any alleged account of debt that you are trying to collect from me. Your actions are in direct violation of the 1974 Privacy Act and 15 USC 1692E ( 3 ), 15 USC 1692E ( 4 ), and 15 USC 1692E ( 5 ). Your policies, agreements and allegiance are also in extreme violation of the XXXX XXXX XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX XXXX  XXXX XXXXXXXX. I, XXXX XXXX, hope we can solve this matter in civilized and timely fashion. Kind Regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-02
Company: KEYCORP
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Please refer all my complaints about Keybank. 
I have a checking and savings bank account with Laurel road bank. It's Keybank. I have my salary direct deposit in this account. Since XXXX XX/XX/2023 I am not able to access this account. 
Whenever i tried to login I am getting this message : This is the message I am getting Your Online Banking account is restricted. To verify your identity and gain access, please call us at XXXXXXXX XXXX XXXX XXXXXXXX. 
that i need to call the bank. 
As per the message, I was told to call the bank which i did on XXXX XX/XX/2023 and was on the phone for around XXXX minutes. 
Reasons provided : 1. One of the check was returned back.

2. There was a direct deposit from my husband into this account.

I provided my clarification and they said that they will add my spouse as a joint owner for checking account and will unblock my account to access it and do any transactions.

But even after 4 weeks - my access is not working. It's my salary account and all my savings are there. Laurel road bank is strictly an online bank so I can not go to some branch to do these transactions. 

During 3rd week of XX/XX/2023, I got one letter from Keybank that they are closing my account and going to negatively impact my credit profile. Please see the attached letters. 
Not only this unfair and unreasonable bank held my money for weeks but now closing my account. I have no idea whether my employer paid me accurately or not? It's almost 4 weeks- neither I can access my account nor keybank is closing my account and send my balance to me by check.

My online access is not working and it has been complained in the past. It seems in this bank - nobody talks to anybody and nobody is aware what's going on. Left hand doesn't know what right hand is doing? 

Since last two days ( XXXX XX/XX/2023 and XXXX XX/XX/2023 ) -I have reached out to Laurel Road XXXX Keybank XXXX I am told that my account is restrictive. Well for how long? 
Either Laurel road - make my online access enabled OR close my account ( by sending all the amount by check to my address ). I got another email that Laurel Road - Keybank is sending me a debit card. During these two days - I talked to XXXX and XXXX. 
During my festival days ( Hindu festival ) - I am stuck with useless bank which is not letting me access my account. 

I don't want any follow-up. Laurel Road - Keybank just close my account and send me all the money via check. Also send me all the statement so that I can check that I got my cash back as well as interest. I don't want to deal with Laurel Road XXXX Keybank any more in my life. 

I have two bank account with Laurel Road - Keybank. Checking ending in XXXX and saving ending in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-19
Company: Waypoint Resource Group, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In 2014, I was the victim of identity theft. A fraudulent XXXX account was created in my name. A debt incurred unbeknownst to me and was forwarded to WAYPOINT RESOURCE GROUP XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I received the collection notice and filed a police report on XX/XX/2014. I notified the collections agency and XXXX and XXXX. 

Each year since then WAYPOINT has placed a derogatory mark on my credit report. Each year I contact XXXX and XXXX and XXXX to file a dispute and the identity theft paperwork. XXXX immediately canceled the debt. 
Im 2014, I contacted WAYPOINT to confirm that XXXX had deleted the debt. Yet, each year this appears on my credit report. I dispute the report again. Each year WAYPOINT ignores this dispute. Each year WAYPOINT notifies credit reporting agencies without any communication or request for payment from me. 

Attempts to call WAYPOINT have been futile. Attempts to serve emails have been futile. I have received no communication from the company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-02
Company: CAVALRY INVESTMENTS, LLC
State: NV
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am in the process of disputing certain things on my credit that were the product of identity theft. The company that bought one of the debts is calling me nonstop, have started contacting previous places I worked at that showed on my credit about this debt, they are contacting family members associated with my information as well. The aggressiveness borders on harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XXXX XXXX, 2021. And now we are in the month of XXXX 2021 and still nothing from them. That means Equifax has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX Website does not allow you to upload supporting documentation into the dispute section, it deliberately will kick you out of the website before you have a chance to upload. This is Fraud and Racketeering is what they are doing. It needs to stop. They are affecting millions of families and their credit with their anti-trust violations that they repeatedly keep getting away with. They are reporting false information on my personal report, and refuse to allow me to dispute this. Along with Transunion and 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 2023-04-26
Company: Eastern Account Systems of Connecticut, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XXXX/XXXX/XXXX I've contacted Eastern Standard Account via USPS mail tracking number being ( XXXX XXXX XXXX XXXX XXXX ) which was received XX/XX/2023 at XXXX ; XXXX XXXX. I'm requesting that they provide me notice of validation of debt pursuant to 12 CFR 1006.34a ( 1 ) In general. Except as provided in paragraph ( a ) ( 2 ) of this section, a debt collector must provide a consumer with the validation information required by paragraph ( c ) of this section either : ( i ) By sending the consumer a validation notice in the manner required by 1006.42 : ( A ) In the initial communication, as defined in paragraph ( b ) ( 2 ) of this section; or ( B ) Within five days of that initial communication ; which this company didn't do. Pursuant to 12 CFR 1006.34c ( 1 ) DEBT COLLECTOR COMMUNICATION DISCLOSURE.1. Statement required by 1006.18 ( e ). The statement required by 1006.18 ( e ) .Section 1006.34 ( c ) ( 1 ) provides that validation information includes the statement required by 1006.18 ( e ). Section 1006.18 ( e ) ( 1 ) requires a debt collector to disclose in its initial communication that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose. Section 1006.18 ( e ) ( 2 ) requires a debt collector to disclose in each subsequent communication that the communication is from a debt collector. A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( A ) complies with 1006.34 ( c ) ( 1 ) by providing on the validation notice the disclosure required by 1006.18 ( e ) ( 1 ). A debt collector who provides a validation notice as described in 1006.34 ( a ) ( 1 ) ( i ) ( B ) complies with 1006.34 ( c ) ( 1 ) by providing either the disclosure required by 1006.18 ( e ) ( 1 ) or the disclosure required by 1006.18 ( e ) ( 2 ). The following example illustrates the rule : i. ABC debt collector has an initial communication with the consumer by telephone. Within five days of that initial communication, ABC debt collector sends the consumer a validation notice using Model Form B1 in appendix B to this part. ABC debt collector has complied with 1006.34 ( c ) ( 1 ) even though Model Form B1 includes the disclosure described in 1006.18 ( e ) ( 1 ) rather than the disclosure described in 1006.18 ( e ) ( 2 ).

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation