BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-10-18
Company: SYNCHRONY FINANCIAL
State: NY
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:
In XX/XX/2019 I purchased a refrigerator from Lowes. The total price was {$2800.00}. I charged {$2000.00} to my Lowes card, and the remaining {$820.00} to another credit card.

The {$2000.00} charged to my Lowes credit card was subject to special financing of 12 months, no finance charge. 

The refrigerator was scheduled to be delivered XX/XX/2019 On XX/XX/2019, I made my first installment payment of {$180.00}. 

On XX/XX/2019 I cancelled the purchase. 

However, instead of crediting my Lowes credit card for the entire amount of the cancelled purchase, {$2000.00}, I was only credited {$1800.00}. 

According to my last billing statement, I still have a balance of {$12.00} I am requesting to be credited the full amount that I originally charged to my Lowes card, {$2000.00}, and then to be issued a check for the credit balance that will be on 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 2019-10-18
Company: Experian Information Solutions Inc.
State: PA
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:
Every 30 days starting in XX/XX/2019, I have been sending official signed notarized letters with a copy of my drivers license and social security card and to this date I have sent 4 separate letters to Experian, XXXX and XXXX. These letters have been to provide me with the original creditors documentation on file to verify that this information on my credit report is mine and is correct. My complaint is related to Account Name - DEPT OF ED / XXXX, Amount - over $ XXXX. The credit bureaus and the company XXXX which I sent out XXXX letters to was to verify this account and provide me the original signed contract for this debt. Neither the bureaus or the company has provided that information and their responses was simply stating it was verified with out documentation. I want this account deleted from my credit report as this debit is unverified therefore I am not responsible for these payment XXXX is saying I owe.

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 2019-10-18
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019 a transaction was made with my Citibank debit card for the amount of {$200.00} with XXXX XXXX. The food was defective, which caused me food poisoning. I contacted XXXX to complain about my situation ; however, there was no way for me to get in touch with a representative because the the phone call is only automated. I contacted my bank a few days later to dispute this transaction. I provided a statement to my bank. I called a few weeks later to check on the status and they told me that my dispute was cancelled. There was no explanation on why it was cancelled but they suggested that I submit another dispute. I submitted another dispute XX/XX/XXXX. A document was mailed to my home from Citibank with a questionnaire of the same questions I answer over the phone when I provided my statement. Its XX/XX/2019, over a month later and they still have not taken any action on my complaint. Representatives have provided an explanation of me not being the only customer they have and they are still looking into this matter. Ive banked with other banks and Ive never been treated this way and Ive never had a bank take over a month investigate a complaint or deposit funds into my account. Ive been a customer for a while and Ive would have never expected to have a experience like this from a largely known bank.

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 2017-11-13
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
To Whom It May Concern : I 'm in the process of working with a bank for a XXXX loan and have been conditionally approved. However, we are at a stopping point due to the bank not being able to provide me regulatory guidance as to why they require a mortgage statement and insurance documentation for the home my husband owns here in XXXX. I am not listed on any documentation for the home financing or insurance. I am only listed on the deed as a beneficiary should something occur. Additionally, my husband and I keep everything separate financially and do not share expenses. Also, we are not selling the home in XXXX. I am the sole applicant living in XXXX, seeking to purchase a primary residence in XXXX ( not a community property state ) since I am military and have pending orders for a report date on XXXX XXXX XXXX and close on a XXXX XXXX XXXX XXXX. 

My husband is not an applicant on the loan and I am not financially liable for our home in XXXX so I do not believe such information is required and believe potential discrimination may be occurring due to marital status as the bank has stated they require the mortgage statement and insurance documentation to determine my debt to income ratio. My credit report should have sufficed as the home loan for my husband does not reflect, and two months of bank statements reflecting my activity or lack there of pertaining to our home in XXXX My husband has not authorized me to release his personally identifiable information as he has not requested be an applicant for financing.

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 2017-07-09
Company: Experian Information Solutions Inc.
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Experian will not let me re-dispute 2 incorrect times on my credit report

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 2017-07-09
Company: CITIBANK, N.A.
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:
I applied for a loan from XXXX XXXX XXXX and was approved. Spoke to representative to help me get through the process, but something unfamiliar was brought up. I was told that I have a Mortgage with Citi Mortgage that was opened in XXXX. This was brought up because they pulled my XXXX Credit Report. I am confused as to how this happened. I have never opened up a mortgage. At the time I was only XXXX XXXX years old. I have lived at my address since the year of XXXX and at that time I just recently graduated from XXXX XXXX. Please help me dispute this.

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 2017-07-09
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
My account has been debited by the bank itself ( TD BANK ) for {$140.00} saying it 's a photo adjusted amount.When I call customer care as I 'm in XXXX right now calling them overseas the customer care represtative gives me wrong information saying I deposited the same check twice and that 's why the amount was debited.His information was completely XXXX XXXX just like the banks customer service. I have deposited two different checks on two different days and I have a picture to prove it from the banks app itself. Check number XXXX was submitted on XX/XX/XXXX. Check number XXXX was submitted on XX/XX/XXXX. I need this amount of {$140.00} back into my account as I have copies clearly mentioning two different checks deposited on two different days. I have sent TD bank emails for a reply too as they convince us customers they would reply in 24 hours but their customer service is so pathetic, it makes me wonder why do such people open banks like this if they ca n't help customers when they are overseas!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
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:
With illnesses and family things My family has been experiencing a financial hard ship since beginning of the year. Missed a payment due XX/XX/XXXX that I did pay and make current on XX/XX/XXXX. My family is trying to refinance to pay off debt bills and get us out of this situation I spoke with Carrington in XX/XX/XXXX and they were very helpful explained that I needed to write a letter and fax back they would have it removed the lady was very promising and gave me such relief. So we immediately faxed in the letter they then notified me by mail to fax in a second copy signed which we did as well two days later and now it 's XX/XX/XXXX I 've never heard anything backed so I called them yesterday and they said they never received the 2nd fax. Which we have fax confirmation it was received. Did n't give me any information on what to do next and she was very rude and told me I should ask my husband why the payment was late and if it was his fault. I 've been a homeowner for 9 years and have just this one 30 day past due notation out of 9 years of payments keeping me from being able to move forward with my refinance to be able to fix the financial strain my family is experiencing. I just want them to honor what they told me initially in writing and sending them the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-13
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:
XXXX XXXX is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Said their INVESTIGATION determined that my identity theft ( which was acknowledge by the IRS ) was / is unrelated to the use of my information to get medical treatment. The IRS does not respond to 3rd party requests. It is very difficult for me to get through to the IRS on my own account. So how did XXXX arrive at that conclusion My signature is not shown or seen in any of the documents given XXXX XXXX has sent me a bill with a different address than my own from XXXX. 
The address written in for the affidavit was the address used at the time of fraud I have NEVER resided at XXXX XXXX XXXX XXXX in XXXX XXXX XX/XX/XXXX is the date of the letter not the date the letter was actually sent. No correspondence From XXXX was received until XX/XX/XXXX A spreadsheet with names and numbers does not verify this accounts as being mine. 
The bill also had a name I do not know and am not associated with. 
My research show that the insurance for that bill was with XXXX am with and have been with XXXX XXXX XXXX ( please see attached docs ) In their response to the CFPB XXXX   claims to DEMOGRAPHIC information provided by XXXX. What information would that be? 
XXXX XXXX 's investigation and reporting are not lawful

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 2019-10-18
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
On XX/XX/2019, I set up an extended graduated repayment plan. They put me on an administrative forbearance while they calculated the new terms and got approval for the new repayment plan. I got the new repayment plan for {$540.00} a month beginning XX/XX/XXXX and increasing the payment every 2 years over 30 Years. I made the payments on time in XX/XX/XXXXand XX/XX/XXXX. I went in today to pay my XX/XX/XXXX payment and the payment was {$700.00}. I called and ask them to fix it. 

They told me that when they put me in the administrative forbearance, they capitalized the interest. Over {$40000.00} was added. They calculated the new payment plan without the capitalized interest. The payment automatically went up to {$700.00} a month after the interest capitalized. I never asked for the forbearance and dont think the capitalized interested should have been added since they put the loans into a forbearance so they could get approval for the new payment plan. 

Today when I talked to them, they said they would put in a request for the capitalized interest to be reversed, but it would take 7-10 days to get approved. My payment is due in 7 days. They wouldnt let me talk to a manager and said none were available. I was on hold for a while before a representative came on the phone and said she would put in a request, but she was not a manager and none were available. ( Her employee ID was XXXX ) They also said they could not reverse the {$700.00} payment that was due for XX/XX/XXXX, and put in another request for a forbearance since I can not afford the higher payment. 

It seems like an abusive practice to put a student loan in an administrative forbearance just to get approval for the new repayment plan, and then add so much interest that the payment plan they approved is no longer available. I cant afford the higher payment. 

My servicer is FedLoan.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-16
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: Account information incorrect

Complaint:
The following credit inquiries were never authorized on my Equifax report. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
The company name is PayPal. XXXX XXXX : XXXX They held my funds with no reason. They asked me for some information which I provided succesfully on XXXX/XXXX/XXXX. Now Im waiting for a response because we are loosing a lot of customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-10
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
On XX/XX/XXXX I filed a complaint with CFPB case # XXXX regarding Lexis Nexis reporting false information to the three credit bureaus about a chapter XXXX bankruptcy they say I had in XXXX. This incorrect reporting has resulted in my credit being damaged, and has prevented me from being able to purchase a home. 

On XX/XX/XXXX Lexis Nexis responded to the complaint stating after re-investigation they had removed the chapter XXXX bankruptcy case number XXXX satisfying there obligation under the FCRA. They go on to say that on XX/XX/XXXX, a resolution letter along with an updated copy of my consumer report was mailed to me for review. 

On XX/XX/XXXX I received the resolution letter ( see attached ) in the letter Lexis Nexis states after re-investigation, Lexis Nexis found that the disputed record on my report prepared by Lexis Nexis XXXX XXXX XXXX XXXX is accurate as reported. In addition to this they never provided an updated consumer report. 

I need to have this investigation re opened. Lexis Nexis is not only in violation of Federal Law which clearly states that an individual can not file chapter XXXX twice within 8 years. I filed in XXXX, therefore according to law I can not have filed again in XXXX. In addition to it being the law, I also provided a letter from the XXXX bankruptcy court that clearly stated I could not file chapter XXXX because it is within 8 years. 

I am perplexed at how a company like Lexis Nexis can get away with direct violations of Federal and State Laws and still be allowed to continue in business. My next complaint is going directly to an attorney to file a civil suit against them with regards to the damage to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XXXX/XXXX/XXXX your tradeline remain on my account. Please remove ASAP. Never received contract only statements. Requested CONTRACT AND STATEMENTS to properly validate the account. As of XXXX Ive only received statements no contract. Contract was requested in XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-11
Company: Coinbase, Inc.
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I deposited {$2500.00} onto Coinbase 's proxy website called XXXX, and they denied me access to their trading platform. This means that I effectively lost the money if they do n't refund it back to me. I tried to contact them several times to no avail

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-13
Company: BARCLAYS BANK DELAWARE
State: GA
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 a service provided by XXXX XXXX XXXX XXXX XXXX for {$400.00}, in which I originally paid by check ( XX/XX/XXXX ). Unfortunately, I forgot to move the money over prior to and after reaching the merchant, paid the fee on my credit card ( XX/XX/XXXX ). The merchant turned around and cashed the check ( XX/XX/XXXX ). The merchant say that they would reverse the credit card charge ( XXXX ), but didn't. I contacted Barclay online and filed a dispute ( XXXX? ). Their online dispute didn't accept the format ( pdf ) that the supporting documents were in, so by the time I was able to get them converted, the online dispute was closed. It also would not let me add the file online. After calling Barclay, the only option was to mail it ( XX/XX/XXXX? ). I mailed the supporting documents to them. I contacted them ( XX/XX/XXXX ) after receiving a letter ( XX/XX/XXXX ) saying they denied the dispute because they didn't have supporting documentation. They said that they just received the documentation and would investigate my dispute. A couple of weeks later, no record of the adjustment had been made. My documents showed the money coming out of my checking account after I had paid the merchant by credit card. It also showed the attempt by the merchant to cash it prior to the credit card payment.

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 2019-10-18
Company: EQUIFAX, INC.
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: Their investigation did not fix an error on your report

Complaint:
THIS WILL SETTLE MY DISPUTES THAT MY ACCOUNT STATUS IS BEING INACCURATELY REPORTED AS CLOSED OR DEROGATORY BY XXXX. THE ACCOUNT STATUS OF THESE THREE TRADE LINES ARE SOLD THE PAYMENT STATUS IS SOLD. HERE ARE THE LETTER FROM THE ONE WHO BROUGHT THE ACCOUNT YOU HAVE THE PROVE TO UPDATE MY ACCOUNT STATUS AS SOLD. TO WAIT 30 DAYS FOR YOU TO INVESTIGATE WILL BE WRONG YOU HAVE THE PROOF THAT CAME FROM THE CREDITOR THIS LETTER ALSO PROVES THAT THERE IS NO COLLECTION ON MY PAYMENT STATUS AS THEY CLAIM ON THE LAST THREE DISPUTES SINCE THEY ARE SOLD THERE IS NO BALANCE AND NO PASS DUE TO BE REPORTING

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-18
Company: Credit Protection Association, L.P.
State: MS
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:
CREDIT PROTECTION ASSOCIATION - has illegally reported inaccurate information on my credit file. XXXX XXXX was paid on time every month per the established payment arraignment. The file was sent to CREDIT PROTECTION ASSOCIATION whom began illegally reporting a balance that was never delinquent or in default. After speaking with several representatives at the business on XX/XX/2019. I was told by a supervisor that the inaccurate information would be deleted from my credit file upon their next update to each credit bureau. As of XX/XX/2019 the inaccurate information is still on my file. I called CREDIT PROTECTION ASSOCIATION again on XX/XX/2019 and they are not holding up to their end of the agreement to remove the inaccurate information from my file as advised on XX/XX/2019. This issue is a violation of the FCRA. 

CREDIT PROTECTION ASSOCIATION Phone Number : ( XXXX ) XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, TX 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