BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-03
Company: SYNCHRONY FINANCIAL
State: VA
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:
I set up an account with sleep number because the salesman who sold me the bed told me EVERYTHING i bought was at zero percent for two years. I got my first statement from Synchrony and everything showed 0 %, in XXXX they sent me another statement which suddenly reflected a XXXX purchase not at 0 % which doesn't even make sense because why wouldn't that have been on the XXXX statement? Regardless, this account was clearly sold as 0 % interest for all purchases at sleep number for two years. If you review the statements you can see no interest on any purchases and then you see in XXXX an arbitrary ( it doesn't even match a purchase amount ) moved to being charged interest. 

Synchrony refuses to fix this and continues to direct me to the store, the store gives me the run around and claims that they have no knowledge of why Synchrony would be referring me to them. Incredibly shady!

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 2018-10-17
Company: LAKEVIEW LOAN SERVICING, LLC
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
We XXXX and XXXX XXXX are going through a very difficult time financially. We already had a Chapter XXXX dismissed and do not wish to lose our home. Our ages are XXXX at XXXX and XXXX at XXXX. However, we do have equity in our home and desire to apply for a modification at this time. My email is attached to this request where the financial institution can email a modification application. Once we get started in the modification, we will get into the medical problems we deal with and how this was a big part of our current hardship. Accordingly, we hope that a modification can start immediately and we can prove how we can get current within the negotiated settlement on modification.

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 2018-04-20
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX I contacted Chase Card Services regarding interest rate changes to my credit card account ending XXXX. The purpose of the call was to determine if the initial interest rate was a Fixed Interest Rate or Variable Interest Rate, request a copy of the XX/XX/XXXX Credit card agreement, request a breakdown of the APR interest rate changes and request copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). The Credit Card Agreement indicates the initial interest rate was 19.99 % Variable Rate. Chase advised there was an interest rate change of 17.99 % to 18.49 % in XX/XX/XXXX and a rate change of 19.24 % in XX/XX/XXXX. However, the Chase representative could not provide the dates of the interest changes from XX/XX/XXXX to XX/XX/XXXX indicating the information was not available. Please be advised Chase did not to send a 45-day Notice advising of any of the interest rate increases or any other significant change in terms to the credit card account as required by the Credit Card Accountability Responsibility and Disclosure Act of XX/XX/XXXX. Although the CARD Act Notices were never received, Chase insists the notices were sent accordingly. A letter was received from Chase dated XX/XX/XXXX stating the Change in Terms notice was sent in XX/XX/XXXX ( no specific date specified ) advising of a rate change from 17.99 % to 19.24 % and that a response was required by XX/XX/XXXX. A copy of this Change in Terms notification was not provided by Chase for review. In addition, this statement is inaccurate in that the interest rate change of 17.99 % to 18.49 % occurred in XX/XX/XXXX. The rate changes from 18.49 % to 19.24 % occurred AFTER XX/XX/XXXX. Unfortunately, this detailed information was not provided by the card issuer ( Chase ) as requested. I contacted Chase Card Services again on XX/XX/XXXX and requested copies of the Change of Interest Rate Disclosures ( Change in Terms ). Again, the disclosures and initial information requested was not received from Chase. However, a letter was received dated XX/XX/XXXX stating the same information as the previous letter dated XX/XX/XXXX. As of this date, I have not received request a copy of the XX/XX/XXXX Credit card agreement, a breakdown of the APR interest rate changes and the requested copies of the Interest Rate Change Disclosure Notifications ( Change in Terms ). In addition, I did not receive a Change in Terms Disclosure for the XX/XX/XXXX interest rate change. This information was identified on the billing statement. Chase in violation of the CARD Act of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-02
Company: SYNCHRONY FINANCIAL
State: MA
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:
Had a credit card with my daughter- i was a co-signer. She maxed out card and i told her to take me off her account since my credit scores kept going down. This was XX/XX/2020. We called 6x since XX/XX/2020 and the account is still showing a huge balance and its still open in my name. I have called and she has called and nothing gets done. My credit score keeps going down and down. Talk to 2 supervisors out of the 6x i called and they still Didnt help. Actually both of them had attitudes. They didnt want to help Or cared. The account has been closed since XXXX and its still showing on my daughters credit report and mine. I called again on Friday and they told me it takes 4 months??? What??? Ive never heard such a thing. By the way its been 6 months!! Help!! Already contacted the bbb too. Still nothing has been done. HELP!!

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: WELLS FARGO & COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This is my complaint about Wells Fargo ( WF ) Earn More Mall Reward Program. 

In XXXX, I receive 50 % cash back offers from WF,  stating that I could receive 50 % cash back if I use my credit card at XXXX XXXX ( cap at {$100.00} cash back ) and XXXX   ( cap at {$70.00} cash back ) in store. AFTER enrolled in the offers from WF online banking system ( screenshot that shows my enrollment is saved ), I met the requirement mentioned in both store on XX/XX/2018 and expected {$170.00} for my purchases from XXXX XXXX and XXXX 

However, I did not receive {$170.00} from WF after a month. Therefore, I tried to contact WF to create a case for investigation. After the case was escalated to the executive office, Mr. XXXX XXXX has reviewed my case ( case # XXXX ) and contacted me. It sounded to me that WF doesn't recognize my enrollment from the system, therefore, can't issue the cash back. I provided my screenshot twice to WF, but they still couldn't honor me the cash back. I should be receiving what I was offered, and clearly, this problem is caused by their system glitches.

I would not recommend people use WF Earn More Mall offers based on my experience.

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 2018-04-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
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 had my windshield replaced by XXXX XXXX XXXX on XX/XX/XXXX, I filed a dispute for {$500.00}. I believe on XX/XX/XXXX or XX/XX/XXXX because I did not receive a receipt or warranty information for the work. I did not recieve a receipt until XX/XX/XXXX and only after many phones calls and still did not receive the warranty information. In the meantime I discover that the windshield leaked and the wipers were hitting the side of the car. I scheduled XXXX XXXX XXXX to return and XX/XX/XXXX, to repair. They did not show up until after XXXX XXXX and it was to dark for them to work. I then rescheduled for XX/XX/XXXX, they were a no show. I have phone records where I tried to call, they blocked my calls. I have a total of 23 phone calls made to XXXX XXXX XXXX. My credit card was billed by XXXX XXXX XXXX XXXX the warranty information I received was from XXXX XXXX XXXX. 

On XX/XX/XXXX, I had XXXX XXXX XXXX XXXX replace my windshield they found the following problems, Left and right side outer moldings were bent and damaged, top passenger side area dented, top of windshield seal missing glue leak detected. glass was to close to frame, windshield not savable. 

On XX/XX/XXXX I filed a complaint with Bureau of Auto Repair ( BAR ) Tracking Number XXXX BAR is also investigating and finding a number of problems XXXX XXXX XXXX is not register with them, the XXXX or the XXXX XXXX XXXX XXXX. The address given XXXX XXXX XXXX, XXXX is XXXX XXXX and they claim they do not know anything about XXXX XXXX XXXX After much research discovered XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX and XXXX XXXX XXXX is XXXX XXXX XXXX # XXXX, XXXX, CA not sure about the connection between these companies. BAR is investigating On XX/XX/XXXX, received a letter from Bank of America requesting documentation I replied thru their website. Since then they have given a number of excuses, such as I did not give the merchant a chance to fix the problem, I have phone records where I called 23 times. I had two schedule appt that he did not show. BofA needed a second opinion letter on letter head describing the problem I fax 2 letters ( see attached ) and now the the time frame is expired. They gave me the response date of XX/XX/XXXX which is a Sunday. The owner of XXXX XXXX XXXX XXXX was on vacation and I faxed the letter on Monday XX/XX/XXXX and again on XX/XX/XXXX Bank of America Case numbers XXXX 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 monetary relief
Consumer complaint received 2018-06-11
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:
My son with a very similar name applied for a store credit card offer from XXXX XXXX. The store approved the application and issued a {$4000.00} credit limit they used my social security #. When he applied he used his address and his info. I have asked XXXX  and Equifax to correct this they claim the account is mine and that is impossible with not having the right address on file, the wrong social, They don't have my phone # or email address. in addition I want to see my signature on this application. as a result of this my credit dropped from excellent/good to fair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-12
Company: Experian Information Solutions Inc.
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: Information belongs to someone else

Complaint:
Experian is in violation of the fair credit reporting act 605B. I have requested for them to block the fraudulent items on my credit report. They have failed to do so in a timely manner.

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 2018-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
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:
I have already submitted a complaint that TransUnion is neglecting to close a disputed account through XXXX They have now LIED about the results being published as you will see here this is copy pasted from XXXX I now intend to take this issue before a Judge if this issue is not corrected - I have called TransUnion directly and they refused to deal with this issue in a professional way - Submission Pending Submitted to TransUnion Under Investigation Completed XX/XX/XXXX XX/XX/XXXX Estimated Completion Date Status Details TransUnion received your request on XX/XX/XXXX and they are currently processing it. TransUnion normally responds to dispute requests within 30 days, and often within 7-10 days. When the investigation is completed, we will provide you with a response and/or a copy of your updated credit report to notify you of the results. 
If you have specific questions regarding your dispute request or need to submit additional information, please contact TransUnion using the address shown below. When contacting TransUnion, provide your current file number : XXXX. 

Mail : TransUnion Dispute XXXX. XXXX XXXX XXXX, PA XXXX Phone : XXXX Monday - Friday Hours : XXXX XXXX XXXX XXXX EST Closed on major U.S. holidays XXXX XXXX Reported on XX/XX/XXXX {$150.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reason Accuracy : The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$5200.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$1100.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX Reported on XX/XX/XXXX {$890.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 
XXXX XXXX Reported on XX/XX/XXXX {$510.00} Dispute Reasons Accuracy : The balance and/or past due amount are/is incorrect. 
The amounts, other than balance and/or past due, are incorrect. 

As you see this dispute is still pending according to XXXX and that means TransUnion has LIED or are simplying trying to deny my rights to dispute inaccurate information on my report - Please TransUnion do the right and LEAGAL thing here and either close the disputes or delete the 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 2021-04-12
Company: Financial Data Systems
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My identity has been compromised by somebody I do not know. Please feel free to contact me if you have any questions or concerns.

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 2023-01-19
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
charges were messed up

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: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Overton , Russell , Doerr and Donovan , LLP States that they can add interest to my debt simply because a judgment has been made on that debt. They have been charging me interest on the debt since 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: ID Analytics, 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: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX XXXX Report and other furnished XXXX XXXX, XXXX XXXX, and XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act,  you are required to comply. My name is XXXX XXXX. My current employer is XXXX XXXX XXXX. There are addresses and information that is not accurate : XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX, XXXX, MI XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA 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 2018-06-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
XXXX bank recieved an unauthorized payment from a checking account that does not belong to me. then closed my account charged it off and sent it to a collector for non payment of 32 days. also, credit monitoring shows a 30 day late, a charge off and moneys owed to XXXX bank and a 3rd party collector XXXX XXXX and XXXX XXXX credit!

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 2018-06-11
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
The Debt you are attempting to collect as a 3rd Party Debt Collector in questionable under current Federal monetary laws. Issue regarding collection practices, debt valuation and collection potential have led others to forgo collection rights with my challenge. These parties include : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX  XXXX. 

What this should tell you, my initial arguments disputing this debt with you organization hold validity. Enough so, the prospect of reduced company valuation, adding definition to the identified monetary policy loops holes in the FCRA, or debt validation determining the validity of future collection potential as defined by the IRS and Treasury department that will impact the future of your industry. These factors represented enough risk to cease all collection efforts by the parties mentioned above. 

Your collection attempt represents less this .03 % of 1 % of the debt I formerly held before this began in XX/XX/XXXX of this year. I am asking once again the collection item be removed with a mutual understanding no further actions will be taken on my part. 
If true valuation occurred, it would be discovered I am monetarily exempt and earning under the federal poverty limit. I am preparing to cost your organization far more than the amount in active collection. This is your opportunity to assess the risk.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-20
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
American Express has informed me that I can't make valid charges to a person because I know the individual. This is absurd and I have had difficulty understanding their position. I know many of the people to whom I make purchases and their position is unclear and their representative had difficulty explaining their rules and what the are requesting. I am now being asked for bank statement and they have not informed me of the reason. 

I think the real issue is that they have extended me a large amount of credit and they are now nervous. This is the best that I can come up with. In an attempt to get to the bottom of this, I am also contacting me congressional representatives about this matter. 

Please let me know of any further information that you require. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-16
Company: DISCOVER BANK
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I CALLED DISCOVER CREDIT CUSTOMERS DEPARTMENT ON OR ABOUT THESE MONTHS. 
XX/XX/2021 THUR XX/XX/2021 I CALLED AND ASK IF I CAN MAKE A {$100.00} DOLLARS PAYMENT a week to pay down my balance due .. the agents told me no!!!!! AND I WAS TOLD NO BY 8 DIFFERENT CUSTOMER SECIVER AGENT. from my months of XXXX and thru XXXX ask to speak to a supervisor the same information apply. 
This is wrong how u treat you member DISCOVER THESE ARE THE TREAT THAT DISOCVER SEND TO EMAIL TO CUSTSOMERS ALL THE TIME 1. WE WILL CLOSED UR ACCOUNT 2. WE WILL NOT TAKE PAYMENT OF ANYTHING 3. WEILL NO ANSWER UR CALL WE WILL BLOCK ALL UR CALL TO DISCOVER.

4. DISOCVER WIL NOT HELP NOONE OF THEIR CUSTOMER REGARDLESS NEW OR PASS 5. DISCOVER WILL DELEBRATLY REJECTED PAYMENT FROM CUSTOMERS AND HOLD ALL THERE MONEY UNTIL THE FEEL LIKE APPYING IT TO THEIR ACCOUNT.

6. DISCOVER TOLD ME ON XXXX THEY DONT WANT ME TO PAY MY BILL ON A RECORED CALL AND THIS WOMAN STATED THAT AROUND OR ABOUT THAT TIMR.

7. DISCOVER PUT CUSTOMERS IN TRICK BAG SO THEY ARE UNABLE TO PAY THEIR BILL.

8. DISCOVER ALWAYS LIE TO THEIR CUSTOMER TO MAKE EXTRA MONEY ON THEM.

9. DISCOVER HAS ALWAYS SWEEP THEIR ISSUES UNDER A RUG AND PAY THEIR WAY OUT OF TROUBLE ALWAYS..

Company response to consumer: Closed with explanation