BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-30
Company: Conduent Incorporated
State: IN
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
XX/XX/XXXX I found fraudulent charges on my XXXX XXXX when I checked my balance on line. I called XXXX  to dispute the charges. They mailed me paperwork to fill out.

XX/XX/XXXX I received a provisional credit.

XX/XX/XXXX The provisional credit was taken away. When I called they stated that they were still investigating and when the investigation was over they would credit me again if they found the charges to be fraud.

XX/XX/XXXX I received a letter from XXXX stating that their investigation was over and they had determined that the charges were in fact fraud and my provisional credit would now be a permanent credit. I was never given the credit back.

I have called them at least 20 times since then, and have been documenting the dates and who I have spoken to since XX/XX/XXXX. Everytime I call they tell me that they are working on my case, they put in another " ticket '' and there is no time frame for resolution. The amount is {$92.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.

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 2018-08-30
Company: EQUIFAX, INC.
State: NC
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:
Equifax refuse to remove an unauthorized hard inquiry that was pulled by XXXX XXXX on XXXX XXXX, i was told by an Equifax respresentive in order for them to remove this inquiry i will need supporting documents, XXXX XXXX has contacted Equifax to remove this inquiry and i am submitting supporting documentations supporting the removal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-30
Company: AMERICAN EXPRESS COMPANY
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 status incorrect

Complaint:
American Express offered me a discounted amount to clear the debt from my credit report. I paid the amount by the deadline of the offer, but it is still showing on my credit. It has been now 40 days since the account was settled. I call every day and ask that this be removed as I can not close on a home loan until it is removed from my credit. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Experian Information Solutions Inc.
State: TX
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 contacted your company regarding XXXX XXXX being reported on my credit file. yet it still remains. Please Remove this account in the amount of XXXX immediately. I have attached documents from XXXX stating that it should be removed.

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 2018-08-30
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
I subscribed to service for {$1.00} trial fee and cancelled subscription very next day. I was still charged {$27.00} for a full month.My card refused to refund my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: RI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
It all started with emails. XX/XX/XXXX I asked XXXX XXXX from XXXX Nissan south if there are ever incentives to turn in a lease to then buy a used car. I told him right off the bat that I need to get either my payments, gas, or insurance cheaper because our dog with XXXX has increased our bills significantly. I went into XXXX Nissan XXXX on XX/XX/XXXX to discuss in person with XXXX about my options. I still had 4 lease payments due for my XXXX XXXX XXXX lease. I asked him about purchasing a used XXXX and he informed me that if I did that, the remaining lease payments would not be paid for the XXXX and that my best option is to lease a new XXXX. We went back on forth on price quite a bit, me having to constantly remind him of the whole reason Im turning the XXXX in early ( too much dog debt ). We finally agreed on a price and eventually I signed for the new lease and I thought that was it. I clearly asked XXXX if my XXXX is now all set and remaining payments waived. He said yes, 2 are waived by Nissan itself and 2 are being covered bu XXXX Nissan XXXX. A week or so later I received my {$700.00} check for 2 payments on my XXXX. Paid that and assumed its over. Fast forward to XXXX and when I go online to check out my excise ( property ) tax bill for last year I see there are still 2 remaining payments due on my account! And even worse, after 2 months, the XXXX had not even been grounded, making me responsible for it still!!!! I would have owed over {$21000.00} for a car that is no longer in my possession. The lady I spoke with at corporate was very concerned and suggested I IMMEDIATELY get XXXX Nissan XXXX to ground the Pathfinder and release my liability. The next day after speaking with XXXX via text I then received a copy of the grounding statement from the finance guy. XXXX had also told me that the XXXX will be all set and i wont be held accountable. Well thats great its grounded but he never took off the remaining 2 payments!! I NEVER would have turned in my lease early if I still would have owed payments. Someone coming into a car dealership nearly crying that the bills are too high and I need to lower them would never agree to {$700.00} extra. I was absolutely take advantage of, and feel like XXXX Nissan XXXX is giving me the runaround for something that should never have been a problem and should not have been my burden to bear in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 sent a certified letter to all three bureaus and they have not properly handled my concerns. I asked them to send verified proof of the debt to which i was not supplied this verifiable proof. Here are the items : XXXX XXXX  XXXX # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX  XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I Purchased a couch from Ashley 's furniture in XXXX XXXX, FL in XX/XX/2018. In XX/XX/XXXX I complained that I had the wrong couch and and disputed with Synchrony bank, the creditor. 

After fighting with them they agreed to replace the couch and I selected a replacement for the couch. The manager XXXX agreed to this in writing. Since that time ( XX/XX/2018 ) Ashleys furniture has REFUSED to follow through with the agreement to replace the couch. This entire situation could be settled right now, but Ashleys refuses to do the right thing. 

Now dealing with Synchrony is basically impossible. When you dispute they refuse to give a phone number or one that rings endlessly. The refuse to give an email to correspond with anyone about the dispute and to present evidence. They ask you to FAX ( yes, fax ) everything. This is because all a dispute consists of is computers talking to each other. I have show Synchrony Bank the evidence and they refuse to allow me to speak with the disputes center and refuse to come to any resolution. I have faxed information showing everything in my favor and they refuse to listen and now deny ever getting this information. They make it impossible to effectively dispute. 

I have been going at it with them for over a year and a half, and now they are sending negative information to my credit reports. 

This has caused excessive damage and hardship to my life, and I DON'T EVEN OWE THE MONEY.

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 2019-09-01
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the Equifax breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the Equifax breach as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-30
Company: Nelnet, Inc.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have submitted four application to have my student loan discharge because of false certification due to I didnt have an High School Diploma nor GED at the of enrollment. All four times my application has been denied because Nelnet are saying that I have an GED. I dont not have an GED at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-13
Company: Experian Information Solutions 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:
Experian reported that I still carried a {$100000.00} balance on my home credit line through XXXX  XXXX XXXX, when it in fact had been paid off in full!

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 2019-09-01
Company: LoanCare, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
After paying our mortgage and escrow for over 1 year, our homeowners insurance policy was up for renewal. Loancare/XXXX was properly informed multiple times by the insurance company, including a warning of cancellation for non payment on XX/XX/2019 with the cancellation/renewal date of XX/XX/2019. Loancare/XXXX has ignored such warnings from the insurance company and our endless phone calls to customer service. The homeowners insurance policy was canceled for non payment on XX/XX/2019. 
Loancare/XXXX  has still not paid our insurance policy and is ignoring any effort of contact. Yet they hold all escrow payments. We are now working on a official complaint with the Texas Department of Savings and Mortgage, as well as to trying to find legal counsel to prepare for a law suit against this embezzling company.

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 2020-06-30
Company: Flagstar Bank, N.A.
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We are in the process of refinancing our existing mortgage. The process began in mid XXXX and stalled at nearly every point of the way. It is now almost XXXX and we do not even know where we are in the process. In the middle of a pandemic, they asked us to pay for our appraisal and refused to tell us when the appraisal would actually be handled. As usual, the process of getting in touch with the people handling our mortgage has consisted of ATLEAST 3 emails, 5 missed calls, and a call to their supervisor. At this point, we receive not a call back but an email telling us which documents to upload. We upload the documents, which have usually already been uploaded, and when we ask if they can see the documents, there is no response. And they do not communicate with us ever again. Then a few weeks later as we realize there has been no progress or communication, we start the process again. The workers there clearly do not understand that they work for a mortgage company and people who have a mortgage on their home in which they live in with their family do not enjoy having their entire life/savings dangled in front of them. We have been hung up on multiple times throughout this entire process, forced to sign the same documents twice, upload some documents thrice, and pay almost {$500.00} for an appraisal that is apparently never going to happen. This is already a frustrating time and instead of being upfront, they are dragging the entire process out repeatedly. And now, when I log in to the Flagstar website, it tells me some of my documents are expired. Tell me how long a mortgage company can begin a process and not finish before the documents expire? This is by far the worst mortgage company I have dealt with and would not be my last choice ever.

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 2018-08-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have the XXXX XXXX XXXXt card I have been paying. I noticed today that every month I've been being charged ridiculous fees for " Card Security '' for which I have not signed up or have been notified that I was being charged. I use automatic payments and have not realized I have been charged hundreds of dollars within the past year. Within the past 3 months, I've been charged {$50.00}. Other months charged me over {$40.00} for a single month. It is absolutely ridiculous.

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 2019-08-30
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I was targeted to receive a {$300.00} bonus. I received a flyer in the physical mail ( code is : XXXX ) I took it to my local branch and sat down with a personal banker by the name of XXXX. I gave him the flyer and he did the rest. I signed all the papers and that was it. I was to make 2 or more direct deposits totaling {$1000.00} within 60 days. Did that. I was to receive my bonus in 60 days of DD verification ( XX/XX/XXXX ). I called and spoke with XXXX on the XXXX and the XXXX of XXXX. Both times saying to check back on Friday of that week. The bonus still not showing up. I then called the XXXX #. They said they would e-mail their promotions department. That could take another week! All I want is the bonus in a timely manner. That's not much to ask.

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 2019-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
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: Problem with personal statement of dispute

Complaint:
My credit report indicates a late payment for XXXX. All payments were made on time, and there was no balance in XXXX. They failed to process a payment in XXXX/XXXX but are claiming I am responsible for this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-07
Company: STATE FARM BANK, FSB
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
State Farm Bank refuses to provide me with proof that my rights have not been violated. I will not be paying for something that I did not open nor authorized. This is a fraudulent account which needs to be deleted, removed and blocked from my XXXX credit report. I spoke to someone last month and she was supposed to have sent me a letter on steps that I need to take in order to get this matter resolved but I never received any correspondence on how to delete and remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: ALLY FINANCIAL INC.
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Hello, I am filing this complaint against Ally Financial Inc ( doing business in the state of California corporation # XXXX ; Agent of service for Process XXXX XXXX XXXX XXXX  XXXX mailing address XXXX XXXX XXXX XXXX MI XXXX ), for violation of Unfair, Deceptive or Abusive Acts Practices. 

This is regarding an auto lease buyout Ally Financial Account # XXXX, vehicle information XXXX XXXX XXXX XXXX # : XXXX. 

On XX/XX/XXXX, I received a letter regarding terminating the lease and purchasing the above mentioned vehicle from Ally Financial Inc per my request [ attached as XXXX  ]. 

On XX/XX/XXXX, I obtained a certified check from my personal financial institution in the amount of {$39.00}, XXXX. XXXX as required to terminate lease and purchase the above mentioned vehicle [ attached as XXXX ]. Ally Financial Inc processed this check on XX/XX/XXXX [ attached as XXXX ]. Ally Financial finally emailed a buyout packet on XX/XX/XXXX via XXXX, which contained confirmation for purchase of the vehicle, special memorandum of sale and receipt for payment and odometer disclosure statement [ attached as XXXX ]. 

Since XX/XX/XXXX I have been trying to find out how long it will take Ally Financial to mail out the title and I am told to just wait. Finally on XX/XX/XXXX I spoke with a supervisor named XXXX in the Remarketing/Out department attempting to collect more money than I am financially obligated to pay for the above mentioned vehicle and that since my account is being reviewed pending this collection Ally Financial will not release my title. 

Attached to this email is documentation verifying each aspect of this complaint. I have attempted to have Ally Financial Inc to release lien on the vehicle and obtain the title for the vehicle I have purchased.

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 2021-06-21
Company: Key 2 Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Key 2 Recovery is attempting to collect on a debt that is invalid. I received a XXXX XXXX XXXX and they are collecting for a debt with XXXX XXXX XXXX. Yet when I called the Federal Student Aid phone number provided by an employee of XXXX, XXXX says there is no record of me in there system at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The company ( Portfolio Recovery Associates ) has called repeatedly. The number being called is a cell phone. I've informed them of this on each call and that the do not have permission to call it. Despite this, they keep calling the same number. 

They have also released DOB to me without verification of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I had a XXXX transfer out from Citi account to XXXX XXXX  account on XXXX XXXX  2021 and it shows that money came into my XXXX XXXX  account on XXXXXXXX XXXX 2021. But when i checked into my Citi account on XXXX XXXX 2021, it is showing that this transaction is showing as returned now? 
When i contacted Citi about the same, Citi has the most lousy and useless excuse that after my XXXX XXXX  2021 ACH out transaction of {$2500.00} there was another ACH out transfer or {$200.00} from my Citi account to my XXXX XXXX thus {$2500.00} is returned as at a time there could only be one ACH out transfer. Citi Customer should one ACH out transfer only at a time. 

I checked with my XXXX XXXX account. {$2500.00} was there on XXXXXXXX XXXX  2021 and {$200.00} on XXXX XXXX 2021. What Citi is saying is very confusing and not accurate. 

It doesn't appear that Citi knows even the basics of banking. Overall Citi is too big, inefficient and worst customer service folks. 
Moreover why citi returned ACH out transaction of {$2500.00} and why not {$200.00}? as {$2500.00} was first transaction??? 
Very doubtful actions of Citi. 

I have to do another transaction of XXXX from Citi to XXXX  now. 
When checked with XXXX XXXX, they are also not aware of what citi is doing. 
Moreover Citi never sent me an email or communicate that they are going to do the reverse of any ACH transaction.

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