BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-19
Company: Synergetic Communication Inc
State: ID
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX I received a letter from Synergetic Communication Inc stating they were collecting a pay day advance loan. After speaking with the representative and informing them that this was a fraudulent activity the following additional details were provided. 

This payday advance was taken XX/XX/XXXX XXXX first time I have heard about this ) from " XXXX XXXX ''. The note was subsequently sold to XXXX XXXX XXXX who then contracted Synergetic Communication. 

The dispute has been initiated and I firmly stand by my claim that this is a fraudulent loan taken by another individual. It is worth noting while speaking to the rep from Synergetic, that the date of birth provided by previous companies was inaccurate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: Experian Information Solutions Inc.
State: MI
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:
my credit report is incorrected, and its is affecting my daily life tremendously please remove these items, Ftc report was sent in aswell

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 2020-08-20
Company: Navient Solutions, LLC.
State: OH
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 want a review of my account. I have been offered, deferment, income driven payments. 
I can not and will not be able to pay this loan anytime. 

This company has misled myself and millions of other students and their loans. 
This company needs to be accountable for their lack of communication and customer service. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-22
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I wrote all 3 credit bureaus ( I will attach all documents ). Only XXXX responded. XXXX and Experian have ignored me in violation of 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 non-monetary relief
Consumer complaint received 2021-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
In XX/XX/XXXX, two instances of identity theft occured : 1 ) A fraudulent unemployment claim was made in my name to the California EDD and 2 ) My BofA EDD Debit card was hacked and the address and identifying information was changed making it impossible for me to gain access and control of the account. 

Since XX/XX/XXXX, I have attempted to resolve these issues through multiple calls, emails, faxes, and on line submissions, and have not been successful. I reached out to my local representative XXXX XXXX for assistance who open a case with EDD. The EDD then called XX/XX/XXXX to advise me that the UI Claim has been flagged as fraudulent and denied, and recommend that I reach out to you to assist with closing my BofA EDD Debit card account.

Bof A has informed me that they can not close the account because of the {$900.00} balance that was deposited by the EDD as part of the fraudulent UI claim, and they can't send the {$900.00} back to EDD. The EDD has instructed me to have you help me close the BoA account and then I can send the {$900.00} to EDD Benefit Recovery.

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 2018-06-12
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Good Afternoon, My name is XXXX XXXX. I have reached out to Discover Student Loans multiple times for details on my account because I believe my balance is incorrect. I have made additional payments as well as those that have been due, when I noticed my balance had not decreased in XX/XX/XXXX or XX/XX/XXXX I began to do my own investigation, as well as reaching out through email, phone, and secured messaging on their website.

I was told that there was a merge between accounts and that balances may be incorrect. That message was also posted on their website very briefly. I received multiple calls and emails hounding me for payments that had already been made. One rep actually had to apologize as she was confused as well.

I was advised to submit additional receipts that were not accounted for online, but they have not been acknowledged.

It is concerning that I am being told any payment that has been intercepted reflects on my online account payment history, but I have in fact given proof that they have not been accounted for.

I believe that this is discover student loans fault, and their consumers should not have to suffer due to their unorganized merge.

I have also requested a thorough payment history breakdown from the beginning of the loan history, disbursements, and payments made. I was told one would be given to me, and I have still not received it. It has been well over a month now.

I would also like to note that I spoke to someone named XXXX  ( I still have the letter he sent me ), and once I proved that the payments I made were in fact not reflected on my account, he said he would transfer me to someone else and instead disconnected. When I called him back, he did not answer. When I left a message, he did not return the call nor did he advise a rep to follow through with a solution.

I will be sending subsequent emails to any and every party associated with discover until this has been addressed and taken care of. Or I will ask that Discover be investigated for embezzlement. Please advise.

The e-mail associated with the account is : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-26
Company: Rosebud Economic Development Corporation
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
Yes I borrowed {$600.00} and had to make 12 payments of XXXX every other week on my payday which they automatic took from my checking account. I made the last payment of XX/XX/XXXX. I missed 1 payment in XXXX because I was out sick and did not draw a full check so the payment was returned but the payments resumed after that one missed payment. I called on XX/XX/XXXX to try and pay the final balance and they told me I owe them over XXXX dollars. I asked them how and I only had 1 payment left plus the missed payment. They told me they are charging me over XXXX a day on the missed payment. The final payment came out on XX/XX/XXXX now the are saying I owe them over XXXX because of 1 missed payment. I have already given them XXXX. I think it is a shame they are trying to collect almost XXXX for 1 missed payment of XXXX. I will like to report this to someone and make people aware of what they do to people.

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 2021-07-19
Company: Village Capital & Investment LLC
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was contacted via mail regarding a streamline mortgage refinance. I was quoted a new rate from 3.125 % to 2.75 % and a new mortgage payment from {$1000.00} to {$1000.00}. By time I met with the notary, I had some documents stating the exact amount quoted and other documents with a mortgage payment of {$1100.00}. I reached out to my lender who I originally did the refi with, XXXX XXXX NMLS XXXX who advised me the change was due to my homeowner 's insurance increasing. I reached out to my insurance company only to be told no increases were ever made to my policy. I then reached back out to the lender with this info only to be told somehow the discrepancy was MY fault for not sending over documents. I sent over all documentation when requested. I then asked for a manager ( Named XXXX  ) who was very condescending and repeatedly interrupted me stating I should have read the documents before signing. Closing documents consist of XXXX pages. He then proceeded to try and tell me the original amount was based on the info they retrieved regarding my homeowner 's insurance payments, however, THEY make my insurance payments directly so how could they quote the incorrect amount. I was NEVER once advised of the change in amount until I made the complaint. I have the Closing Discolures for the original amount quoted as well as the new amount they created.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: Square Inc
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was payed from XXXX To cash app and on my XXXX  account it says payed but cash app locked my debit card and is not showing me my money is there or that they received it. Its been about 7 days now and I have proof that it was sent to that cash app bank account. Please reach back to me and help me. It was XXXX $ and it was sent on XX/XX/2920 thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: LoanCare, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Since XX/XX/2023 I have been trying to obtain a pay off letter. I have been told by at least 12 reps that this is being escalated due to my type of loan. Arizona state law provides a maximum of 10 days for receipt of this letter. Currently it is XX/XX/2023 and I have still not yet received this letter. I am again being told its escalated and there is no end date for confirmation. I have missed two close dates on my home with the seller due to this and am about to miss a third. They are now threatening to sue me for missing close of sale.

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 2018-10-18
Company: FORD MOTOR CREDIT CO.
State: NY
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: Was not notified of investigation status or results

Complaint:
I filed for a lease extension at the termination of my lease through XXXX XXXX and they never told me that this was a new application. I had no idea that my auto payment was not going to continue to make the monthly payments. In 36 months I was never late a day. I was traveling and the only number that they had on file was my mother 's, she has been busy caring for my father in the hospital. She doesn't open mail in my name so she missed the letter that they sent me. Because I was completely uninformed that this was a new application, and there was no continuation of the previous auto payment my credit score has been severely impacted, so my new lease is greatly suffering.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XXXX XXXX XXXX XXXX Rooms to Go credit card ; funded by Synchrony Bank When I made my recent purchases with Rooms to Go, I opted for the payment without having to place a down payment and now my monthly payment has doubled. I was NOT advised this option would cause my payment to increase until now when I called the Sales team and their response was nothing can be done. This is unacceptable because the terms about my payment doubling was not listed on the website when I made the purchase ; if so, I would have made the down payment. This is deceptive and in violation of the UDAAP regulation. 

I have an excellent payment history with synchrony and I would like for my account to be reviewed and my monthly payment to be lowered back to {$130.00}, please. Also, since XXXX my payment continues to go up. XXXX I paid {$230.00}, XXXX and XXXX I paid {$240.00}. This is causing financial difficulty having a payment so high. 

I appreciate your time and assistance with this issue. 

Sincerely, 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 explanation
Consumer complaint received 2018-06-12
Company: SIMM Associates, Inc.
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX XX/XX/XXXX @ XXXX Calling from : XXXX I've been receiving calls from this number since XX/XX/XXXX at what would be just about XXXX in the evening. It's unusual for someone to call my line after XXXX XXXX regular work day as I'm usually not available at this time. I actually have the publicly registered number ( s ) from this company saved on my phone and that is where I was expecting to be contacted from. I found it odd that a local number would call so many times without leaving a voicemail but ignored it nonetheless because no one who knows me calls without texting me first unless it's an emergency. Due to the amount of times this number appeared in my logs alone, I decided to call them back on the XX/XX/XXXX.  When I dialed the number, it rang once, then bounced me to the queue for Simm Associates Incorporated and immediately puts me in line to speak to a live agent. My phone number works perfectly fine and I'm open to returning calls of those who leave voicemails, but these practices are done in a way that I believe is in violation of my rights as a consumer under the FDCPA and the TCPA because not only is it deceptive, but because the company masking their number with a local line to establish contact with me in a way that misrepresents the nature of their calls, which is spoofing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$26000.00}, {$26000.00}, {$9400.00}, {$2400.00}, {$17000.00}, {$16000.00}, {$0.00}, {$200.00}, {$8300.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

3. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$26000.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9400.00} -This is not my account. 

5. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2400.00} -This is not my account. 

6. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$17000.00} -This is not my account. 


-- AUTO ACCOUNT 7. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$16000.00} -This is not my account. 


-- REAL ESTATE LAON 8. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNTS 9. AMSHER COLLECTION SERV with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$200.00} -This is not my account. 

10. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8300.00} -This is not my 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 2020-06-28
Company: Experian Information Solutions Inc.
State: IL
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 a XXXX account which went into collections years ago. I filed for chapter XXXX bankruptcy and had that account as well as others discharged XX/XX/XXXX under case number XXXX. While the bankruptcy was listed separately. Most accounts discharged under the bankruptcy including the XXXX account was still showing up individually, some showing it was discharged under chapter XXXX and others not. On XX/XX/XXXX Experian dropped my credit score by 26 points for updating that the XXXX account was included in the bankruptcy over a year ago which had already taken a hit because of the bankruptcy at the time when it was posted to all 3 credit bureaus. This is like double jeopardy and 26 points was a lot for an account previously included in a bankruptcy which has been reported for almost two years so far.

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 2019-03-26
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 advised to contact you regarding some items on my credit that are not mine. I'm really trying to purchase a family home and this has been holding me up as I didnt know how to approach it at first. I have contacted the FTC and the police here. Please have these items removed from my credit. XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-16
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Single purchase made on XX/XX/XXXX for {$140.00} with a new account discount applied of {$36.00}. Statement billing cycle closing date XX/XX/XXXX with a balance due of {$100.00} on XX/XX/XXXX. Items from XX/XX/XXXX purchase were returned to the store for full credit on XX/XX/XXXX. Credit applied for the full purchase price of {$140.00} and the discount of {$36.00} was charged back. Leaving a balance due of {$0.00} on XX/XX/XXXX. A second purchase was made on XX/XX/XXXX for {$59.00} which was part of the next statement that closed on XX/XX/XXXX with a due date of XX/XX/XXXX. The statement that closed on XX/XX/XXXX also included a {$27.00} late fee. I was able to have that waived after having to explain that the items from the XX/XX/XXXX purchase were returned and full credit was applied which should apply to the balance due for that billing cycle, as since the item was returned I would not be responsible to pay for it. As a result of not paying a payment in XX/XX/XXXX they have flagged the account as past due for failure to pay additionally they have shut down my online access to make the payment that is due on XX/XX/XXXX for the second purchase of {$59.00}, leaving the only way to pay is over the phone or in person. Two issues of concern - One how many others are paying late fees or interest for returned items. Secondly and equally important is that they are reporting to the credit bureau inaccurate information lowering credit scores.

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 2018-12-26
Company: AES/PHEAA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
My original loan servicer ( XXXX ) closed, they didn't notify me of the closure, I was still paying on my loans through them. I filed taxes in XXXX and my taxes were offset, this is when I found out about XXXX closure. XXXX is reporting me 18 payments late, 'current status ' as 120+ days past due. 

XX/XX/XXXX they reported account as " okay '' XX/XX/XXXX they reported account as " 90 days past due '' I have sent disputes, tried calling, tried everything. This is stopping me from getting a home. can ANYONE help?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 a victim of identity theft/fraud. I have notified the collection agencies/original creditors several times that the accounts do not belong to me. I have not in any way received goods or services from these companies and I have provided my police reports, my FTC id theft affidavit signed and notarized along with my sworn statement regarding the fraudulent accounts. Documents have been submitted to all credit bureaus.

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