BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-01-10
Company: SYNCHRONY FINANCIAL
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:
I have never applied for a credit card until XXXX and it was with XXXX I have no idea who XXXX is. 
XXXX, FL 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 2018-01-08
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit 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 ordered multiple items from XXXX and there was a problem with their system that day so I had to call to speak to a customer service representative. When she processed my order she put in the wrong street name even though it was already correctly in on my account online. I later received an email and noticed that the street address was wrong and called to correct it, it was never corrected even though I made several calls to ask them to correct it. All the items were shipped out to an undeliverable address and the items I ordered for XXXX, On XX/XX/XXXX, were not going to make it here for XXXX. I was told I could reorder them, but they would not credit my account until after 10 days. I was also told it would cost me more money at this point. I asked to cancel the order. I never received the items. For some reason two items were sent here I went to a XXXX store and tried to return them, but when the clerk tried to return them it said that I was already credited for them. She then shipped them back for me and XXXX only credited me for one of them! I have literally spent hours, at least 6 on the phone with XXXX customer service. Sometimes I have been put on hold only to be hung up on after holding for over 30 minutes. I have been told the charges are all removed yet there is still a little over 29.00 on my account. I did not receive any items but the two necklaces and I returned them both so there is no reason for there to be a charge. I returned these items on XX/XX/17 so I can not understand why XXXX cant get this resolved by now. Its outrageous. Ive also asked they close the accounts but havent. I have cut our cards up thinking the account was closed and this was resolved as they told me it was, but now that it isnt they wont give me my account number

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 2018-01-08
Company: SLM CORPORATION
State: AL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I took this private loan out in 2013 to cover costs that my financial aid and student loans wouldnt cover. I submitted a deferment/forbearance request mid last year since i have been having these loans deferred since 2013 and after speaking with the agency they told me that they didnt receive it. So, they offered me a lump sum amount to pay off which i could not afford and a monthly payment which i also could not afford. So now the loans were sent to another agency and is in collection and has lowered my credit score due to derogatory marks on my credit. I need some help on what to do. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: EQUIFAX, INC.
State: NJ
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:
Equifax credit placed a negative report involving XXXX XXXX with an unpaid bill from 2021 with the amount of {$120.00}. I dont have an electric bill because I live in a coop here New Jersey and monthly payments in my coop includes water and electric bills. Ive been living here for 4 yrs now. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-19
Company: Experian Information Solutions 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 XXXX  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 XXXX  breach as well.

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 2022-01-16
Company: Skrill USA, Inc.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
I have a small restaurant and about two years was trying to get a new merchant company to lower my credit card fees and in the end I did not go with the company but in the process i was sing to such merchant services to do a try out of how the terminal will work with the purchases in our business. I end up going with another company, the company that I am complaining about never did any merchant services for my business and for the last two years they have been charging my business account {$48.00} without providing any services. After I talked to them I was Told that they will email me a form to fill out so they will stop the withdrawals and when I asked for refund of the monies I was told that someone will contact me regarding that issue within 48 hours, to this day none of that has happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-16
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY
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:
Santander Bank refuses to refund {$96.00} yet acknowledges the fraud by cancelling my debit card. 

My situation falls into " billing error '' category and fraud category. I got overcharged and received a different item than ordered. 

On XX/XX/XXXX I purchased a pair of leather XXXX sandals for a total of USD XXXX through a " XXXX '' website XXXX On XX/XX/XXXX {$96.00} ( XXXX + XXXX intl. fee ) transaction posted on my account that originated in XXXX and was connected to a private hotmail account where the purchase confirmation came from. 

Santander should have had an alert in place for charges coming from XXXX, XXXX, XXXX and other countries known for scams so I could refuse it but they failed me as a consumer. My XXXX card blocks such charges immediately if I don't tell them explicitly that I travel or plan to purchase abroad. 

Called Santander to report fraud and gave them details. They immediately cancelled my debit card and initiated a refund claim. 

I contacted the seller but got no response. Instead, I received cheap fake leather sandals, completely not the ones ordered and not worth {$5.00} let alone {$93.00} and again silence from the scammer seller. 

After I e-mailed him that I'd report him as fraud to my bank and an appropriate XXXX entity dealing with imposter " XXXX '' websites, the scammer wrote that the warehouse made a mistake and offered a {$9.00}! refund so " I don't have to pay high shipping charges for sending the shoes back '' even though he shipped the wrong ones. How much scammier than that can it get? ( see the attachment ) When I demanded full refund and told him he would have to pay for shipping the shoes if he wants them back, he stopped responding. 

However, since I got a replacement card, even if the scammer was willing to refund me, he can't return the funds to a cancelled card and I'm not going to give him my new debit card info. 

Even though I informed Santander about the issues I'm having with the merchant my refund claim was rejected twice. They wrote me to resolve the issue with " the merchant '' being well aware that I was already in contact with him trying to unsuccesfully recover the funds from a fraudster. 

Santander claims to protect their customers from scammers but they obviously do not care and do a very poor job letting international charges from XXXX clear. My claim was frivolously and unjustly rejected.

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 2017-07-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
In XXXX 2017 I filed a dispute of an item on my credit report with Transunion. I provided documentation which proved that a collection did not belong to me and Transunion removed the disputed item from my credit report. A week later I discovered through the TransUnion website that they had lowered my credit score. The reasons for the scoring were contradictory. On the positive side they claimed I had no collections, that my debt ratio was perfect and my payment history was perfect. On the negative side they claimed I had too many collections and past due payments my debt ratio was too high and the age of my accounts was too recent.
When I called to find out the reasons for the discrepatencies they told me that the score on line is not my real score and that I would have to pay to get my true credit score. When I told them that they had raised my score last month and I owed more and had the incorrect collection yet this month they lowered my score even though I owe less and the collection was no longer listed they told me that the scores they give for free and the scores they give when I pay them and the scores they give to potential creditors are not the same. They also refused to transfer me to a manager for clarification. I feel that TransUnion is intentionally providing fake score on their website in order to force people to pay for an accurate credit score. In addition, the measure they use to determine credit scoring is arbitrary and biased. I feel TransUnion uses bribery in order to sell scoring products and also practices discriminatory scoring practices.

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 2018-01-08
Company: TD BANK US HOLDING COMPANY
State: MA
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 customer service

Complaint:
XXXX XXXX order # XXXX for purchase & high wall mount install of 43 '' XXXX TV, XXXX XXXX Purchased gift for me by my son XXXX XXXX XXXX XXXX his credit card for XXXX XXXX XXXXnstall on XXXX/XXXX/XXXX. 
Delivery of wrong mount & reorder XXXX/XXXX/XXXX, correct mount BBY XXXX, additional {$200.00} cc. 
Install XXXX/XXXX/XXXX, XXXX to XXXX by XXXX XXXX XXXX XXXX --, demo ok, another $ XXXX & refused return-credit. 
Not touched after demo, no service XXXX next morning, spent entire day with all involved, no success. 
XXXX XXXX 's would not come until the following Tuesday XXXX/XXXX/XXXX order XXXX. Sunday XXXX/XXXX/XXXX my repair tech found the cable installed by XXXX XXXX tech XXXX -- broke at connection, too short. He installed a replacement 15 ' HDMi cable {$32.00} and 1 hour service call!. My appeals for $ $ $ Satisfaction and Application of XXXX XXXX  's Policies have died at the Store Manager 's level. Attachments support all the foregoing!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: PNC Bank N.A.
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I made a mobile check deposit on X/X/2018 in the amount of {$890.00}. I paid a 2 percent fee ( {$17.00} ) for an " express deposit '' allowing the funds to clear immediately. PNC charged the {$17.00} but then still put a hold on the check. I called the next day and asked why and they said the check was flagged as fraudulent, even though I cashed checks from the same payer often and have never had any issues. The check cleared payers credit union within 18 hours, and payees credit union said check cleared normally. 
PNC claims XXXX held check, which is not true. XXXX XXXX XXXX paid check XX/XX/XXXX (  see screen shot of XXXX statement ). 

I am just asking for the refund of my " express deposit fee '' since I did not receive the " express deposit service ''. I paid for the funds to be available immediately but the funds were not. PNC admits this happened but is giving me the run around on a refund ( see screen shots of chat where they admit error and blame XXXX XXXX ). 
PNC at this point refuses to refund the {$17.00} fee. PNC has given me reference # XXXX as tracking for my complaint. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-28
Company: Delta Management Associates, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
I have been repeatably contacted by Delta Management Associates to collect a debt by a employee of theirs. They have called at least 1 time per week and now have faxed me.
They have now sent a fax telling me to garnish the wages of a employee of ours. They mention US code, and upon calling them they told me that our company would be in breach of law by not abiding by this. This is a fraudulent activity for which they should be warned.

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 2017-07-28
Company: Big Picture Loans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Charged fees or interest you didn't expect

Complaint:
I have a {$1000.00} loan with Big Picture Loans, and I went online to my account starting on XXXX XXXX, 2017. The website said it was refreshing, and would clock and clock, never giving me the payment site. I tried another computer on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, another one on XXXX XXXX, 2017, and finally another one today on XXXX XXXX, 2017.
The website for payment has been down all this time, so I finally called today at XXXX XXXX PDT to pay off the loan. If I was able to pay several days ago, it would have been $ XXXX/-, today it is $ XXXX/-. This is because they can not process the payment until XXXX XXXX, 2017.
To me it seems like they have a scam going. Ca n't pay online, then when I do pay, it will be three days before the payment shows up. This is predatory lending at its finest. I want my interest back that was accumulated from XXXX XXXX - XXXX XXXX, 2017/ XXXX XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-16
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
In XX/XX/XXXX I went into a mortgage forbearance with Rushmore Mortgage due to work loss as aXX/XX/XXXXduring the XXXX XXXX Pandemic. Off and on at work I was made to stay home for for 10 day periods when exposed to XX/XX/XXXX or XX/XX/XXXX I was not in arrears when the covid forbearance started, I had no late payments.. At the end of the forbearance, after the loan modification and loan transfer to another company, I noticed one month of the actual forbearance was marked as late. On the same credit report the 3 months when I was making 3 test payments ( required, before they would to the loan modification ) were also marked late. On another credit report XXXX days was late also, one month of the 6 month forbearance and the 3 months of test payments. There was even a place that said 180 days late. No where in the original forbearance did it say I would be reported as late while following the rules for the forbearance. The test payments required were never mentioned as part of the forbearance but I was not given an option. The test payments were interestingly just slightly higher than the mortgage payment in the loan modification - but they were held not applied as a payment but those months listed as late pays. 
The late payments of course, affected negatively on my otherwise " no late payment '' credit report. I was just closing on a refi, after being out of the forbearance longer 3 months, when the new mortgage company saw the negatives on the last pulled credit report. The new mortgage company tried to help resolve it with Rushmore, since they saw I followed the rules to the T and had good credit in the past. Rushmore has yet to respond to the last dispute I sent XX/XX/XXXX. The new Mortgage company XXXXXX/XX/XXXXXXXX were quite shocked with the lack of customer care. Phone calls, and I made dozens never resolve or answer these isuues. I also lost XXXX appraisal fee thanks to this negative report. 
XXXX XXXX has been difficult for everyone, and in healthcare, besides the obvious risks, it often caused staff to lose work until they tested negative a few times after exposure, causing work loss. I felt like the covid forbearance would give me the time to get XX/XX/XXXXand catch up /keep up on my mortgage without negatives. Sad to see a company seemingly finding a way to punish someone who trusted them to do what the CARES act was trying to do, help people get on their feet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I had been quoting with local companies for a sign to go on top of my new art studio. I found one company that seemed reasonable on XXXX. I reached out to them and was quoted a certain amount. I confirmed with the company that the price included the proper permitting required by XXXX County, Fl. I then went into the bank and requested a {$1000.00} cashiers check to XXXX XXXX XXXX, XXXX XXXX which would have been half of the total cost. I have an account with XXXX XXXX XXXX. I walked into the bank on or around XX/XX/XXXX and requested a cashiers check, the funds were withdrawn with a teller and the check was drawn from my connected business checking account. I requested this because I wanted the payment to the company to come from XXXX XXXX XXXX which is my business account, but that is neither here nor there. I then drove over to my studio and met with the associate from XXXX XXXX XXXX, XXXX. His name was XXXX XXXX. Upon further speaking with him, he was trying to convince me that I did not need a permit and I declined to do business with him. I placed the check and the quote along with some other documents in my vehicle and thought nothing else about it until it became missing. I contacted my bank to report the check missing and then upon XXXX XXXX XXXX 's investigation, the same man deposited the check in his account at Regions bank. I immediately filed a claim with XXXX XXXX XXXX to retrieve my funds. The claim number is XXXX. Upon further investigation by me, I contacted the actual owner of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I was told that they are aware of who this man is, that he does not even work for XXXX XXXX XXXX, XXXX, he is a thief and many customers have been calling and there are active suits regarding this man impersonating this company and I was not the first person that he stole from. He also that his attorneys are aware and also fighting to stop this mans activities. I have been being told by XXXX XXXX XXXX that they have sent several request to Regions bank to retrieve the funds and have been awaiting with no response. I am filing this case with hopes that you can look into this situation and find a resolve. 

Kindest regards

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 2022-01-16
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
Around 4 years ago I received a loan from the cash store and requested a 50 % reduction in finance charges from a couple that had been sent to me via email. That coupon was never applied but the cash store has continuously attempted to collect the fees from me. Additionally, they have now reported this as of XXXX to the credit bureau. In XX/XX/XXXX I contacted the cash store and rescinded my authorization to debit my account because out of no where-the attempted to debit my account even after I was told that because of the coupon that the debt was settled- on the very day I contacted them they debited my account and acted as if they were not aware until after the debit. They also repeated contact my references even after and my references asked them to stop and let them know it was a debt by telling them that they were calling from the cash store. finally they would call me on Sunday afternoons between XXXX XXXX which I don't believe they should have been doing. I filed a complaint XXXX/XXXX and XX/XX/XXXX. Since then there have been random phone calls from the cash store, using unknown numbers to me. It is my understanding that there was a ruling against them for some of these reason and they were also supposed to remedy this for consumers affected. I was XXXX of the consumers affected and have received no remedy.

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