BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-26
Company: SYNCHRONY FINANCIAL
State: TX
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: Card was charged for something you did not purchase with the card

Complaint:
I received the XXXX XXXX XXXX Credit Card XXXX in XX/XX/XXXX. 
I made one purchase XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX {$260.00} and have not used it again. 
On XX/XX/XXXX the following transaction was withdrew from my XXXX XXXX XXXX, Texas : XX/XX/XXXX XXXX XXXX PAYMENT XXXX XXXX I did not authorize this transaction. 
I have a savings account and CDs with XXXX XXXX so I phoned them and asked why they withdrew {$2200.00} from my XXXX XXXX XXXX, Texas. After they did some searching they replied that they did not do the withdrawal. I went to XXXX XXXX XXXX, Texas and asked if they knew who withdrawer the money and they did not know so I filled a Disputed ACH Transaction. 
On XX/XX/XXXX I received an email from XXXX XXXX, Oops, did you forget to make your payment? 
I retrieved the XXXX XXXX XXXX Credit Card from my files called the number on the back of the card asked them what they were talking about and that was the first time I knew who had withdrawn the {$2200.00} from my XXXX XXXX  XXXX, Texas. 
I do not know how someone had the Credit Card information as the card has been in my file cabinet for the past 2 years. 
How did someone get the information to make a payment on my XXXX XXXX XXXX, Texas? 
When I phoned XXXX XXXX XXXX Credit Card I asked them why they had not sent me a statement and they said they had and it was returned. 
This whole thing looks like an inside job to me I dont know how anyone else could get this information.

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 2023-08-29
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I have met the requirements to receive XXXX AAdvantage miles on a citi checking account offer. I was previously told I would receive those miles on XX/XX/2023. I am still without the XXXX AAdvantage miles.

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 2023-07-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
i purchased a home in XXXX and that was my last hard inquiry i authorized. after that there has been XXXX different hard pulls to my credit report. From an XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX I called transunion and tried to get it resolved but they said it was nothing they could do, so thats why i am contacting the CFPB

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 2022-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer reporting agency can not furnish a account without my instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. XXXX and TransUnion must validate the account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate the reporting account as unverified information without providing any proof within the period allowed by law. The listed account needs to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX : {$2100.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-27
Company: EMCC Holdings, LLC
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
i have been trying for 2years to make payments with XXXX XXXX and i just keep getting the run around i have had my taxes taken garnishment and i have made payments you never get the same response when u talk with someone these companies are jusr ripping people off when a consumer is trying to do the right thing i wanted to reach out to other companies to help with my student but who do u trust as a consumers it seems as if all these companies are fraudulent

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: DISCOVER BANK
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: Account information incorrect

Complaint:
For three years Discover Card refuses to remove or correct the incorrect reporting of a duplicate Discover card debt of XXXX. 
Discover claims I have a total debt of XXXX on two seperate cards and that they are being paid on time seperately! This is wholly untrue. 

I only pay one card, one payment, automatically, via my XXXX account on the 15th of every month, as I have forever. 

I DO NOT AND NEVER HAVE had two cards or two payments! 

Discover CSR says their computer has records that reflect back to three years ago of my requesting they repair this issue. Last year, the same, no change. Last month they said they would handle it. Now Discover Card claims its possible someone else listed me on some other card. This is a false statement by Discover Card. No information has been made available to me to validate their THEORY. This is a tech problem at Discover cARD AND THEY REFUSE TO LISTEN TO LOGIC! 

The evidence and information available to all parties is as clear to anyone with a smidgen of logic. Despite multiple verifiable requests Discover Card continues to shirk responsibility for ruining my credit and consequently my personal & financial life. 

My credit has been ruined for three years despite transparent evidence on all my credit reports that I have been paying or paid off multiple reported debts completely. 

All Credit reporting agencies continue to reduce my credit score. 

There is a direct correlation between my poor credit and my inability to secure loans due to Discovers error. They continue to excuse their bad behavior with nice talk and get NOTHING DONE! I am seeking counsel in order to secure restitution from the XXXX  dollar company that appears not to care about people, the very reason they are in business in the first place! 

XXXX REPORTS TWO DISCOVER CARDS YET THERE IS ONLY ONE!! 

XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good  XXXX XXXX Last reported : XX/XX/2019 {$12000.00} Good

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-11
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 is missing that should be on the report

Complaint:
my credit score was XXXX 8 points from XXXX which is my bucket list dream before i buy my house and car this year. my credit has been the same for the last 12 months three credit cards all paid on time. on XX/XX/21 experian dropped my score 45 points for no reason. i had the same 3 credit cards i had last month and all three have a XXXX balance this month and i did use my cards but i just paid them off by the end of the month. there was and is no reason to drop my score 45 points for no reason. 
experian refuses to show my credit approval or credit on my XXXX XXXX plat card which is XXXX and ive told them this 20 times over the year. 
last XXXX experian took 5 points for no reason again.

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 2022-11-09
Company: AMERICAN ADVISORS GROUP
State: NM
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have attached the mail to this. I NEVER requested a reverse mortgage, nor information on XXXX. I do NOT want XXXX. I'm worried that this company will try to create XXXX on my property. I tried contacting the company and their phone number was out of service. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Navient Solutions, LLC.
State: AZ
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:
XXXX of XXXX through XXXX of XXXX I paid my student loan to sallie May which had sold it to navient who I never heard of. My account became delinquent as the payments were rejected. I settled up the account but they refuse to fix my credit report. They are now rejecting my payments again and I do not know why. They are requesting I refinance the loan which I do not wish to do as I have enough issues with this one. I do not trust it would be smooth or an improvement

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: CITIBANK, N.A.
State: NY
Product: Credit 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:
My credit card information was used to make payments at a hotel on another state. I disputed the charge over 60 days ago. Citibank provided receipts of the transaction showing a name of another person that I do not know. I contacted Citibak stating that I was not the person on the transaction receipt and do not know who the person named in the receipt is. A person named XXXX XXXX is on all the receipts. I have never met nor do I presently know who this person is.

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 2022-09-01
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Shellpoints response to the XXXX XXXX XXXX XXXX was much appreciated. However, Borrower wants to point out that Shellpoint claims to have not denied Borrowers request for arbitration because Shellpoint feels the mortgage loan service provider has researched and answered all questions appropriately. 

Borrower should not have to point out to the professional banking institution that arbitration is a review and investigation by a third party other that the Borrower and service provider. The third party review is necessary because Borrower feels Shellpoints responses to be lacking in information and/or to be incorrect in the mortgage service providers assessment of events. 

For example, in a recent letter Shellpoint stated that due to the error in PMI payments being made from Accounts escrow for over six years, the service provider would remove all negative CRA reporting from XX/XX/XXXX to XX/XX/XXXX. The two incidents have nothing to do with each other. 

In reality, Shellpoint removed all negative CRA remarks from the complete history of Account. In addition, XXXX felt the offenses against Account were so great that the CRA removed the Account from Borrowers Credit report altogether. 

So, yes, Shellpoint did deny Borrowers request for arbitration. 

We have come to an impasse in our understanding of of the situation, requiring outside resources to review and conclude how our relationship will work moving forward. 

On XX/XX/XXXX, Borrower was refused service and verbally accosted by a customer service representative. In addition, Shellpoint has since communicated that the Lender Paid PMI Account has been paying PMI from Account escrow for XX/XX/XXXX through XX/XX/XXXX. 

A complaint has been filled with XXXX, which Shellpoint has responded to. 

Borrower has been informed that the complaint and XXXX response will be thoroughly investigated by the Banking Commission and no further information will be communicated to Borrower until the investigation is completed. 

As a result of the events on XX/XX/XXXX and the ongoing issues claimed in the complaint, Borrower has withheld monthly payments for XXXX, XXXX, XXXX and now XX/XX/XXXX. 

Since Borrower has stopped payments, Shellpoint has sent copious communications demanding payment. Shellpoint even sent a certified letter invoking threats of foreclosure after only two payments were missed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: Atlanticus Services Corporation
State: OH
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 am a victim of identity theft this account was opened fraudulently

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-29
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
On Saturday XX/XX/XXXX chime suspended my account I've spent multiple multiple multiple documents trying to get reopened and then skip give me the runaround I can not get my account open and I can not access any of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
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: Information belongs to someone else

Complaint:
It has been brought to my attention that you are not blocking files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not block the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law Please remove/block the following accounts as they are fraudulent & were opened without my consent or knowledge XXXXXXXX XXXX XXXX XXXXXXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXXXXXX XXXX XXXX XXXX opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXX XXXX Date opened XX/XX/XXXX Balance : {$850.00}, XXXX XXXX XXXX Date XXXX XX/XX/XXXX Balance {$0.00}, XXXX XXXX I, XXXX ( Original Creditor : XXXX XXXX. ) XXXX Date Opened : XX/XX/XXXX Balance : {$3700.00}, XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance : {$3100.00}, and XXXX XXXX XXXX XXXX XXXXXXXX Date opened XX/XX/XXXX Balance {$0.00}. 

If you claim these accounts are 100 % accurate and verifiable then I need you to provide me with copies of any documentation associated with this account which bears my signature, as I know none exists. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-08
Company: EQUIFAX, 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 submitted a complaint on XX/XX/2021 to CFPB regarding EquiFax not removing unauthorized inquiries from my credit report. The Complaint ID was XXXX. EquiFax Response was : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate or incorrect items reporting on your credit file. Please be advised that an investigation with the furnisher of the information was completed and results were mailed to you. We hope this resolves your concerns. If you have any additional questions, you may call ( XXXX XXXX XXXX or you may visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. '' I have taken a screenshot of their response via mail regarding this matter and it clearly stated that " The results are : Inquires are a factual record of file access. Should you have reason to believe this inquiry was unauthorized, Please contact the creditor directly and follow their internal fraud procedures. '' EquiFax is the CRA and never sent my disputes to the companies inquiring my personal information, unauthorized. XXXX removed them promptly after they investigated and couldn't verify. See Screenshot below of EquiFax, clearly stating they didn't investigate but instead told me to call the creditors. By law you are suppose to investigate any inaccuracies that you are reporting on my reports. Next will be a summons to court in my local venue if you do not fix this matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
We opened a HELOC with BBVA on XX/XX/XXXX. XXXX contractually agreed to pay the closing costs on our loan as a " special offer. '' Under the terms of the contract if we closed our loan within 2 years, we would have to pay back the closing costs as an " early closure fee '' unless we closed the loan due to the sale of the property that secured the loan ( our house ). The BBVA agent, XXXX XXXX, also assured us verbally during our closing that we would not have to pay this fee if we closed the loan due to the sale of the property. 

In XX/XX/XXXX, BBVA bank was bought by PNC Bank and PNC assumed our HELOC and the underlying contractural terms. 

We are now in contract to sell the property, scheduled to close on XX/XX/XXXX, and our escrow agent requested a demand pay off from PNC. PNC included this " early closure fee '' of {$1600.00} in the pay off amount. 

On XX/XX/XXXX, I called PNC to inform them that we do not have to pay this " early closure fee '' because the pay off and closure of the HELOC is due to the sale of the property, and, pursuant to the terms of the contract, we do not owe this {$1600.00}. PNC refused to remove this fee from the payoff amount. I explained that we are not contractually obligated to pay it and provided them the sections of the contract to review. After several hours on hold and waiting for call backs from supervisors, they still refuse to remove this fee and we can not close the sale of our property or pay off the loan without paying the {$1600.00} that we do not owe. 

I have included a copy of the contract. The relevant sections are on page 4 and in paragraph 3 of the " Addendum to the Home Equity Line of Credit Agreement. ''

Company response to consumer: Closed with explanation