BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-02-23
Company: SANTANDER HOLDINGS USA, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Report provided to employer without your written authorization

Complaint:
I have a hard inquiry on my credit report that I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
XX/XX/2021 a domestic wire transfer was sent out of my account unauthorized for the amount of {$7000.00}. Leave me with about {$50.00}. I quickly called and closed the account went into the nearest branch to open a new one. XX/XX/XXXX I sent in a notarized affidavit stating I did not do the wire transfer and I did not authorize anyone else to do so. 

XX/XX/2021 I filed a police report with the XXXX Police Department. 

I called XXXX weekly to check on the case and XX/XX/XXXX I was told that I had redo the affidavit because they lost the original one. 

I was also told that the department is 30 days behind and they dont know when I will get my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-10
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
The problem is with Synchrony Bank. I have a few cards with them. The latest episode is the Belks card that should have {$2100.00} limit. I received a text saying that the balance on my card has exceeded {$450.00} out of the blue. I am assuming they went in and decreased my credit limit to {$1500.00}. This is causing a problem with interest rates and higher monthly payments. Synchrony bank is messing up my credit. They went in and closed another card out of the blue when I was making payments on time. The harassing alerts need to stop and they also keep pulling my credit score. I  have no idea why they are doing this because I am not asking for any credit limit increase or applying for a new card. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX SSN # XXXX Acct # 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 2023-05-25
Company: Experian Information Solutions Inc.
State: MI
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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I receive grants from the us government of treasury I deposited checks into my bank of America account everything was fine they cleared the checks in 3 days I was able to spend my money I'm not to sure about the dat but maybe XXXX the XXXX I went to a XXXX XXXX bank of America financial institution to do a wire also I was doing wires at bank of America in XXXX XXXX with no problem but the downtown institution started asking me question like where did the money come from so I explained they froze my account they sent me a letter in the mail saying I can no longer use my debit card or spend my money they told me that they were going to close my account XX/XX/XXXX and they told me that in the month of XXXX so I waited until XX/XX/XXXX and they didn't close it and said that they going to extend for more review so I called them after XX/XX/XXXX for the stats of my account and they kept giving me dates now it is XXXX they closed the account XX/XX/XXXX but said the funds will go into the back office for further review and bank of America told me there is no timeframe on when they will release the funds also they said that they are going to send money back to where the government checks came from which is the its but when I talked to the its XX/XX/XXXX they told me they are suppose to send to me my address which was on file the its also told me I should get a attorney I'm struggling just to make ends meet I'm behind on my bills because I was told by bank of America that they were going to close my account and send the money to my address but they just been lying to me I just need my money so I can move on thanks hope you can 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 2017-09-19
Company: BB&T CORPORATION
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I spoke with XXXX XXXX XXXX ( XXXX XXXX XXXX ) about a loan to pay off BB & T banking c/o XXXX XXXX XXXX XXXX XXXX.Within a week she requested me to get a title lein deed from BBT. XXXX XXXX told me after researching BBT has not been assigned or a first lein holder since they gave me a loan back from XX/XX/XXXX Apparently, BBT lawyers done a title search and also did not follow-up onthe final title to record at the court house. MERS corporation was holding the title from ( not to my knowledge ) my previous loan company after BBT have me a home loan went bankrupt and MERS had the title. It has been since XX/XX/XXXX and i have been through 3 loan officers being passed around BBT to fix the problem and produce a title deed to finish a loan with XXXX XXXX XXXX. My county clerk XXXX XXXX XXXX ( ( XXXX county Ky XXXX XXXX XXXX ) ) informed me that Mers sent a title to record but sent it to the wrong page and book number. Which means BBT has not had a lein on this property due to their lawyer not filing the paperwork correct and not caught MERS making the correct entry. I am not savvy at Banking jargon but if CFPS representatives call XXXX XXXX and XXXX XXXX they can explain exactly what is happening. XXXX XXXX informed me that any bank according to ky law statures only has 30 days to produce a title clear of leins to be paid off by another bank It has been 75 days and counting. My financial situation has changed and i need to refinance to go from XXXX to XXXX per month payment. I am on the verge of going into foreclosure and bankruptcy if this is not corrected soon. BBT has made excuse after excuse and i have been passed from XXXX XXXX ( XXXX XXXX branch ) to XXXX XXXX ( XXXX office ) and not to XXXX XXXX ( XXXX office ) I need to get this refinance loan asap or lose everything i own. BBT is making no effort to help. I paid XXXX dollars 13 years ago in title insurance and closing costs for BBT to do their job on getting a clear title and recording correctly. If i were to pay this loan off, sell or go into estate upon my deceasement i could not get a clear title due to their incompentence in doing thier job.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-15
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a Land 's End Visa card issued by Comenity Bank. On XX/XX/2023, I paid the balance in full. This was approximately two weeks before the due date. I had made all of my monthly payments on time. A few months I paid the balance in full. A few months I carried a balance. In XX/XX/2023, I received another statement indicating I owed {$21.00} in interest. The back of the statement states when the balance is paid in full, no additional interest will be incurred. I did so, but they still charged me interest. I have called Comenity and sent messages about this inaccurate interest charge, but they refuse to waive it. They state that I am paying the unbilled interest on the balance prior to the payment. 
When I paid the balance in full, the payment screen gave me four options : 1. amount due, 2. statement balance, 3. current balance, 4. other amount. There is no option for " pay off '' that shows the additional interest. The consumer is unaware they sill owe interest until they get another unexpected bill after they believe they've paid the balance in full. 
I now have to pay this falsely billed interest because I don't want my credit ruined. 
This is a deceptive, misleading and unfair practice.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-12
Company: Credit Karma, LLC
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: Personal information incorrect

Complaint:
I followed Credit Karma 's recommendation an began paying down debt and got a credit card to decrease my credit utilization. So I pay off a XXXX loan and apply increasing my credit utilization by an additional {$7000.00}. 

So, for some very quick math, that is a positive increase of {$12000.00} and a decrease in credit utilization. 

This information ( following their recommendations a credit experts ) is incorrect because in the time sense doing this, my credit has dropped by XXXX ish points! that may not sound like a lot, but in this ridiculous mortgage rate time it is. 

I would love for them to reply with how they plan on fixing this, and how they plan on not steering customers wrong in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-25
Company: Mercedes Benz Financial Services
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-12
Company: GOLDMAN SACHS BANK USA
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After transferring {$80000.00} to Apple Savings XXXX XXXX, by XXXX XXXX ), I decided to move the funds back to my XXXX XXXX XXXX account. The transfer was made on XX/XX/23 and was supposed to take 3 business days to clear. On XX/XX/23 the transaction has still not cleared. XXXX  XXXX XXXX hasnt seen any attempt to transfer the funds. Apple Savings still shows the transfer as in progress. The funds no longer show up in my balance. It is like {$80.00} disappeared into a void. I have spent an hour on the phone with Apple Savings specialists at XXXX. They were extremely unhelpful and even tried to shift the problem to XXXX  XXXX XXXX. I was supposed to receive a follow up call on XXXX with additional help and nobody called. Furthermore, I would like to note that I received zero communications or alerts about the status of my transfer. Given the amount of funds, this feels very irresponsible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Experian is reporting a social security number that does not belong to me. 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 non-monetary relief
Consumer complaint received 2020-05-31
Company: Receivables Performance Management, LLC
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX XXXX Spoke with XXXX  of XXXX locates at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX and he said that hell have XXXX/assistant manager to call us back regarding overcharge of {$500.00} he also stated that lines has already been suspended and that XXXX might have forgot to send notification out to XXXX on XXXX  XX/XX/XXXX at XXXX pm Spoke with XXXX and he stated that they made a mistake in canceling the overcharges XXXX also stated that he forwarded the concern to his supervisors ( XXXX XXXX XXXX and XXXX is also a XXXX manager and said that nothing was done about it. 

XXXX and/or XXXX XXXX XX/XX/XXXX at XXXX Spoke to XXXX with XXXX and he stated that XXXX and XXXX XXXX Managers ) are both on vacation and wont get back till XX/XX/XXXX which is on a Tuesday XX/XX/XXXX at XXXX XXXX  At XXXX called XXXX and spoke with XXXX when asked to speak to XXXX XXXX or XXXX XXXX stated that XXXX no longer works there XXXX works at a store in XXXX and XXXX not in and is off Thursdays and Fridays but will be in Saturday for a special event when I inquired about why my account was forwarded to collections she stated she had no idea

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 2021-01-23
Company: Advance America, Cash Advance Centers, Inc.
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On XX/XX/XXXX I received a collection letter from a company that purchased the account with my name. I am disputing this debt from XXXX XXXX XXXX XXXX XXXX due to the following, 1 ) the collection agency and Advance America improperly obtained my address in another county " without my consent '', 2 ) decided to miscommunicate, by no communication in regards to resolving this debt sooner rather than now on XX/XX/XXXX, no notification prior to a collection agency purchasing the debt, as this is deemed a threat to report on my credit report prior to informing of the debt collector purchasing the debt from Advance America, 3 ) an invasion of privacy since I did not personally provide an address, telephone number, or email even though the XXXX XXXX, XXXX, the current creditor has my information to use against me without my consent, or prior knowledge. Furthermore, due to COVID-19, I have been out of work since XX/XX/XXXX. The statute of limitations may have expired and this may be the reason the creditor, XXXX XXXX, XXXX has purchased the so-called Advance America loan. Furthermore, I am disputing this mainly based upon COVID-19, as I am unemployed, deemed the current creditor as invalid, the contract is null and void due to a nature disaster, COVID-19 and that I have no obligation to pay due to circumstances that have affected my finances. This debt letter is improper to send due to a natural disaster that has caused unemployment, as well as a Florida Statute 787.01 ( 1 ) where I involuntary had to relocate, so I am adding XXXX County Case Number XXXX to eliminate any other illegal activity with the current creditor, XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-09
Company: EQUIFAX, INC.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2019 I sent a letter to Equifax asking them send me documents that the company uses to verified accounts listed on my credit report per the Fair Credit Act, 15 U.S.C. 1681g. In response to my letter, I was sent a letter on XX/XX/2019 stating that my account was not found and to send verification such an ID SS card or a bill. This letter was an attempt to stop me for receiving and documents that I was entitled to, due to the fact that my credit account was updated the month prior for my name and address and my ID with my SS Card was included. I called the company on XX/XX/XXXX or XX/XX/XXXX after receiving the letter. My account was verified at the beginning of the call. Next I gave the representative the reference number that was given to me by the company verifying that the company had updated my account on XX/XX/2019, with this previous dispute I sent along with a photo ID an SS Card. At this point I have verified that my account x2. I was told after verifying my account that I will have to send my identification again. I spoke to the manager that comfirmed for the 3rd time that they do have my account, a copy of my ID and SS card and still need this information to find my account. I stated to the rep that you have my indentification on file, in which he agreed that that my identification was on file but stated I still needed to send this information an that it is policy for the company. I requested that in writing and was told there is nothing in writing. After the conversation and as of today I did not receive a report status, documentations verifyiing my account, nor the policy stating I had to send my identification after my account was verified. It has been well over 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-05
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled with Citi in XX/XX/XXXX on a HELOC. They provided me a settled letter ( attached ) as of XX/XX/XXXX. They continue to report 120-day lates XX/XX/XXXX-XX/XX/XXXX on  XXXX which is causing that score to be 100 points less than the other two bureaus and the reporting of lates is hindering me from a new home loan. The status is also 120 days late instead of settled for less than the full amount. SEE ATTACHED DOCS

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 2022-10-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX bureau resolution XX/XX/XXXX XXXX I was never late on a payment but the where not happy that I closed out my pre-paid card and they put a bad report till today it has been affecting my credit. i have been dealing with all the credited company 's but they what me to pay for membership and still have not fixed the issues

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 2020-07-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I received a notice from XXXX XXXX XXXX/Synchrony Bank that Synchrony Bank has decided to close my account. The reason ( s ) listed are : -Too many revolving accounts with high balance compared to credit limit -Lack of Real Estate Secured Loan Information -Balances On Accounts Too High Compared To Credit Limits and Loan Amounts -Too Many Bankcards With High Balances Compared To Credit Limit I had all the same credit cards and balances when I was approve for this account. My XXXX XXXX account had a {$0.00} balance and when I had a balance my payment was never late. I have two more credit cards with Synchrony bank one with {$3000.00} credit line and one with {$2900.00} credit line, these accounts was not close, my balance is {$0.00} on both of these cards also, and when I had a balance I never paid my account late on any of these two cards either. I had XXXX   to mail me my credit report, because I though my identity has been stolen and I had negative payment history on my credit report. I have my credit report and my credit report is showing all my credit cards are current, no late payments, and no deficiencies. I believe my account closing was XXXX  motivated.

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 2021-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Include dates, amounts, and actions that were taken by you or the company. 
*** For the past two year Capital one has been receiving an automatic payment from me. I have attached the bank statement proof. ****** *******also i have attached the credit buro information where they report me not paying.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-08
Company: Experian Information Solutions Inc.
State: NY
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 have been disputing many items on my credit with the XXXX, Experian and XXXX. They are refusing to remove any accounts that i disputed due to being a victim of Fraud. I have no other choice then to come and beg for someone to help me get these items removed off my credit. I have provided a Identity theft report and they still say they have not recieved any items when in fact i have tracking number from XXXX showing it was delivered to all three.

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