BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-01
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/2020 I went into a Loew 's Store in XXXX XXXX XXXXI have a Loew 's Account and was seeking information on 2 hour fire doors. The gentleman told me it was a XXXX charge for someone to come out and measure the work.He never told me that I was not going to get the measurements or a copy of the measurements.I met the Loew 's representative at my rental unit and had given the renter a 24 hour notice.When I called Lowe 's store the representative state that I could not get a copy of what I paid for. He then stated that I had to deal with his location and that was not stated up front to me.I live 30 miles from this XXXX XXXX California store and had I known this would have gone to a XXXX California Store where I live which is 5 miles from me. He also ststed that they can not transfer my work which was not told to me.I have called XXXX repeatedly with no success as I just get a machine. I did call The XXXX XXXX Store and it got no where.

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 2021-10-18
Company: Mr. Cooper Group Inc.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have a loan through Mr. COOPER and I refinanced from a 30 year to a 15 year in XXXX of XXXX. I also own another rental property which I sold on XX/XX/XXXX and during closing I learned that they, Mr. COOPER, listed XXXX other properties on the refinance in XXXX which includes the property I was selling on XX/XX/XXXX. They listed a total of XXXX parcels and listed them all as the XXXX XXXX XXXX property. One of these parcels I haven't owned since XXXX and the other is another rental property I own. I was told I have to pay off my mortgage with Mr. COOPER with the sale proceeds of my other rental. This is an error on the mortgage and I have been asking for the past 2 weeks for it to be corrected. They pointed me to XXXX XXXX XXXX who was the closing company Mr. COOPER used for the refinance and said it's their error. They are saying they have to work with Mr. Cooper to get it fixed. My profit from the sale of my other rental is being held up. Mr Cooper is awful customer service and no one seems to know anything. They sent me to a resolution XXXX, XXXX XXXX who can do nothing and stopped responding. XXXX XXXX XXXX also stopped responding. I think they are both fraudulent companies trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-13
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or missing disclosures

Complaint:
Back in 2018 I filed a claim for the equifax breach settlement to receive the {$120.00} payout. I have never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-18
Company: LoanCare, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Loancare holds my VA morgtage, account XXXX. They took it over in XXXX of XXXX and immediately began reporting me late, because they miscredited a payment I had made to the former loan servicer, XXXX. ( I made the payment and they got it, but they credited it to my escrow rather than as a payment. ) Since they had no record of this payment being made, the next payment was credited to the past due payment, and then down the line, on and on, with every payment reported late. 

I didn't find out about this until XXXX of XXXX. ( I think loancare misentered my mailing address because I didn't get a single thing from them in the mail for the first year. ) As soon as I found out, I sent them a notice of error by certified mail but got no response. In XXXX, I submitted a complaint through the CFPB, XXXX. 

I got a a response from a compliance officer at the company named XXXX XXXX. He investigated and determined that I had made all my payments correctly and Loancare had made an error. He sent me a letter to this effect. ( attached ). He said he was fixing it but that would require redoing my entire account history, which would take time. But he would fix everything and the credit bureaus should have the right information within 90 days. 

In addition, he determined that I was overpaid by about {$54.00} and he was sending me a check. 

I never got the check but the money he claimed I had overpaid was deducted from my XXXX payment. As a result, my XXXX payment was short and the payment was put into suspense, and not credited to my account. I was immediately reported as late on my XXXX payment to the credit reporting agencies. When I made the XXXX payment, it was applied to my XXXX payment, which made my XXXX payment late. This was also reported as late to the credit reporting agencies. 

The number listed on the response from the CFPB is from something called an 'office of the customer. ' This leads to a computer which doesnt accept calls without an extension number. No extension number was included so I had no way to reach Loan care to resolve either the first issue or the second one, which resulted from the errors they made in their attempts to resolve the first issue. 

90 days has passed. 

Two of the credit agencies still report me as late on my payments from the very beginning. This has has been fixed on XXXX of the reporting companies but now all three are reporting me as late on my XXXX and XXXX payment. Of course, they were made on time and in full. This reporting is not accurate. I need it fixed. This problem has been going on for more than a year. I need it fixed now.

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 2018-06-05
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
I had been trying to do a short sale with Wells Fargo for way over a year. I tried one time and they took months to process, this lead the buyer, who had a cash, to pull out after 8 months of trying to close. ALL the documents requested from Wells Fargo were submitted, at times 3 and  4 times. I tried the short sale process again in XXXX. I also had a buyer with a cash off for {$210000.00} ( investor wanted {$210000.00}, but buyer went over and above the asking price to get this deal close ). Cash offer had been on the table since early XX/XX/XXXX, all documents were submitted by my attorney to Wells Fargo. In XXXX, my attorney received notice from Wells Fargo that the loan does not meet the investor 's requirements ( HUD.. my FHA Case # is XXXX ). that they were not entertaining anything but a sheriff sale. I inquired with Wells Fargo for the reasons and they stated that there was no offer on the table and that the short sale process was too close to the sheriff sale date ( which was XX/XX/XXXX ). 
I had questioned the person on the telephone at Wells Fargo as to why the issue of the offer, we have had a cash offer since early XXXX. I inquired if they did not pass this info to the investor and this person say, " whatever you gave us, we gave to them '', but still, the question is why did HUD NOT know of the cash offer for {$210000.00} since early XXXX?? 
The apartment went to be sold at the sheriff sale for {$180000.00}. My concern is the larger deficiency as a result of Wells Fargo NOT doing their work. I will likely be hit with a XXXX for about {$35000.00} and/or be sued for that large deficiency. The {$210000.00} would have covered any deficiency. I would like an investigation to see if Wells Fargo gave the investor the information regarding the cash offer for {$210000.00}. My attorney was extremely upset as he worked so hard on this case and stated that this was the only Short Sale he was not able to complete in many years of doing short sales. Why would someone choose {$180000.00} over {$210000.00} cash? Makes no sense.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: AFNI INC.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with XXXX, XXXX, in accordance with basel 3 accord and XXXX  Conventions. Additionally, please provide proof of the original loan or credit application that I signed with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: EQUIFAX, INC.
State: IL
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 received a text message from XXXX on XX/XX/XXXX that stated : EQUIFAX REPORT - Your scores went down 43 point on XX/XX/XXXX. Review and confirm/ dispute by, XX/XX/XXXX. Reply with XXXX for more info, I did not respond. A few days later I received a false unemployment claim that has already been reported as fraud today via XXXX. 

I tried calling the number and it kept ringing

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
4. XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. US SM BUS ADMIN ODA on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 6. XXXX XXXX on XX/XX/XXXX XXXX Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-16
Company: NAVY FEDERAL CREDIT UNION
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I am filing this complaint for two reasons, I believe that Navy Federal failed to take proper action when I notified them of fraud on my account. They failed to mark my card as lost or stolen which allowed more unauthorized and unreimbursed charges to be added to my account. Secondly, I do not believe they did a true investigation on my account, because I was told that these types of claims could take up to 10 days and both of my claims where closed within 24 hours. They also never advised me to get a police report for this fraudulent activity. They never called to ask follow up questions. My card was used in New York and Florida which are places that I could not have been in as I was in the hospital in Kentucky, of which I notified Navy Federal. My card was used to send money to people and address that I do not know. I think these are all clear signs of fraud that Navy Federal chose to ignore. Here is an outline of my interactions with Navy Federal : XXXX XXXX Unauthorized charges appeared on my account ( Please see attached police report for charge amounts ) XX/XX/XXXX -Called Navy Federal to dispute unauthorized charges on my account. They said that they would file a fraud claim and add a provisionary credit to my account XX/XX/XXXX I spoke with a male Navy Federal representative, he notified me that there was a mistake on my claim. They had failed to mark the card as lost or stolen. 
XXXX XXXX-The fraud claim was denied XX/XX/XXXXI sent an email, to request my claim be reopened and more thoroughly investigated. As I was in the hospital and could not have made these charges. I also called several times that day. The investigation was reopened and closed again within 24 hours. 
XXXX XXXX- I filed a police report. I hopes that Navy Federal would take my claim more seriously if I was able to submit legal documentation

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-06
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I accordance with the federal fair credit reporting act. The following hard credit inquiry needs to be removed from my credit report. Due to the fact it's over the two year mark XXXX XXXX Inquiry from XX/XX/XXXX 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: EOS Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
After been disputing wrong information on my credit report for about a year, a lot of the accounts that were not mine were removed from my credit report, but, no too long ago I received a collection letter from XXXX XXXX XXXX trying to collect on behalf of XXXX, one of the accounts that were included on my identity theft package, after disputing via CFPB, they removed the account, unfortunately, just a few days ago, after checking my credit report, I found out that a new collection ( EOS CCA XXXX came up collecting on the same account. 

Attached is my Affidavit of Identity theft package submitted via CFPB for your reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX  now.with no 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 explanation
Consumer complaint received 2019-10-22
Company: Commonwealth Financial Systems, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft and this debt does not belong to me. 

Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Bank of America is provided false information about the interest rate, balance, and rewards. On XX/XX/XXXX, at XXXX, EST, I contacted the financial institution at the credit card toll free number listed on their site. That contact number was XXXX. I spoke to a XXXX female BoA credit card customer service rep named XXXX in Texas, after waiting a few minutes for the first available agent. All of the questions were extremely simple. I asked when my next rewards would post, requested my interest rate, and my current balance. XXXX fumbled around and after about 10 minutes, she was still unable to provide the details. Her resolution was for me to log on to the computer and to look for it myself. She advised me that my interest rate on my credit card was 0.00 % and that the promotional rate expires XX/XX/XXXX. She stated that the balance owed as of today is {$4200.00}. She said that my minimum payment is $ XXXX provided tons of false information, even after she was called out for all of her lies. She stated that she notated the system on her end that she was unable to assist. My balance is $ XXXX. I had a credit balance prior to that for over $ XXXX. I asked for her supervisor. She said that she was transferring me over right then to her supervisor named XXXX. But, she did not. I was placed on hold for several minutes and never transferred to that supervisor. The call with this rep lasted more than 30 minutes. I am supposed to have a 5.99 % promotional interest rate with BoA. I just looked at my statement, and I do not even see that promotional rate being applied. These types of issues have been nonstop with Bank of America. I just received a debt collection letter from them this month, stating that I owed them an additional mortgage payment, only for BoA to realize that this was inaccurate as well. After spending several hours on the phone with numerous incompetent reps in BoA 's mortgage customer service department, they finally sent a follow up letter stating that no payment was owed, after I insisted on having something in writing. This type of poor service has to stop. They are allowing these associates to work from home with little to no training. The customers are having to tolerate this poor service with inaccurate information along with long hold times.

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 2021-10-18
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Over the course of XXXX, Synchrony Bank refused to, reverse fees on late payments, offer forebearance to CoVid-related accounts that were 60 days past due, and closed accounts that were in good standing of over +2 years. 

I had at the end of XXXX 4 Synchrony Bank branded credit cards. 
1. XXXX XXXX XXXX 2. PC Richards store 3. XXXX XXXX XXXX XXXX 4. PEPboys Automotive During XXXX, Synchrony Bank canceled my XXXX card w/o notice. They then in XXXX, closed my PC Richards card with notice. Both cards were used in the past and were in good standing at their cancellation dates, with {$0.00} balances outstanding. 

In XX/XX/XXXX, my PEPBoys card was nearing its XX/XX/XXXX expiration date, when I attempted to use it for a repair, with available funds for credit purchases. The PEPboys was not allowed to used for the purchase, and another card was used instead. On XX/XX/XXXX, the new PEPBoys card wth XX/XX/XXXX expiration arrived. Upon activation I was told I could not activate, until I made a Video shoot with State ID in the filming. I refused and I am waiting for a letter to confirm my passcode for activation. 

Number 1 : My complaint of non-conforming to the CARES Act provisions of financial relief for consumers, if the institution accepts public monies, contained in the CARES Act. 

Number 2 : The lack of guidelines in its credit card agreement and its provisions of notification in case of termination, by BOTH parties and its procedures were not followed. 

Number 3 : The lack of up-to-date portals to allow access to accounts and the timely accounting of the individual accounts under its purvey to establish a credit card services corporation. 

A response is requested, at this time. 

XXXX XX/XX/XXXX 1.The CARES Act, a section of which amends the FCRA, generally requires furnishers to report as current certain credit obligations for which furnishers make payment accommodations to consumers affected by COVID-19 who have sought such accommodations from their lenders. 

2. On XX/XX/XXXX, the House passed the Heroes Act ( H.R. 
6800 ) and on XX/XX/XXXX, the House passed an updated version of the bill ( H.R. 925 ). Among its many provisions, both versions would expand consumer rights to loan forbearance and other payment relief during the COVID-19 pandemic.

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 2021-05-18
Company: EQUIFAX, INC.
State: NV
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 filed a dispute in regards to the, incorrect files on my credit report and its been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation