BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-11-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Last year ( XXXX ) I received a call from Synchrony Bank 's XXXX Department saying that I owed money on my XXXX store card and that they were calling to ask me to pay it before they would have to send it to collections. I did n't have the full amount at the time and set up a payment plan with Synchrony. The debt was completely paid off XXXX XXXX of last year after 6 payments had been made. 

A few weeks ago, I answered a call from a number I did n't recognize and it was XXXX XXXX XXXX saying that they were trying to collect my XXXX store card debt. Obviously, that debt does n't exist, so I should n't have received this call. 
I called Synchrony and tried to explain that my debt had already been paid. I kept getting transferred to outsourced call centers that did n't understand what I was saying, and they just kept telling me I owed a debt and asked if I wanted to make a payment. 

Finally, someone at Synchrony told me how to file a dispute with Syncrhony. I sent in my dispute letter along with my attached check stubs proving that the debt had been paid. 

Since I sent the dispute I have n't heard anything, and have continued to get upwards of 5 debt collection calls a day. I have tried calling Synchrony, but they keep telling me that there 's no way for me to contact the dispute team and that they do n't have a phone number, which I find extremely suspicious if not outright illegal. I have asked for updates on my dispute with no answers, and again the representatives keep telling me that I owe a debt. 

This has ruined my credit score, and in my original dispute to them I said it needed to be reversed within a week considering I had paid the debt and there was n't anything to really dispute or investigate. I have broken down crying several times because I will be on hold for 40 minutes with XXXX and then still just transferred to their debt outsourced call center and not told anything. I need proof from Synchrony that they are going to reverse the damages they 've made to my credit score. I should n't even have to be doing this, and selling a paid debt to a collection agency is illegal ( I 'm pretty sure ) and it 's illegal for that debt collection agency to be harassing me when I have paid the debt! 

Please please please resolve this as soon as possible. I do n't want people to go what I 'm going through. I am now paying a much higher than normal security deposit on a new apartment because of this mess, and it is actively hurting me emotionally and financially.

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 2019-10-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On XX/XX/2019, I applied the Citi Premier Card which include a welcome bonus of XXXX TYP after spending XXXX in the first 3 months. 
However, after I make over 5k purchases in 3 months still didnot receive the bonus. 

The CS told me I have same card previously and just closed on XXXX so I do not qualify for the welcome bonus. The closed card was under my husband 's name. not mine. 

I believe I am still qualify for the welcome bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-25
Company: Innovis
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: Public record information inaccurate

Complaint:
A public record pertaining to a bankruptcy filing is listed on my report. This record is inaccurate Inreached out to the XXXX XXXX of Georgia and they explained to me they did not verify this information with your agency. It is violating my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: ALLY FINANCIAL INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
- XX/XX/XXXX ; Ally Financial was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with Ally Financial Down Payment Promise Date XX/XX/XXXX - {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; Ally Financial credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX Ally Financial sent confirmation mail, " Ally has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with Ally Financial discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
*Ally Financial sent confirmation mail, " Ally is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to Ally about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX , " Completed investigation of FCRA dispute - consumer disagrees '' OR XXXX XXXX , " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

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 2019-10-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Hi, I've not applied for Amazon Store Card. But, I am receiving emails to pay the Card balance of XXXX USD. 
I talked to Customer Care, they informed me saying that card is closed. No email communication on the card closure and it is still appearing in my Amazon Login A/C. 

Please help as needed to protect my data and Credit report. 

Thanks in advance. 
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 non-monetary relief
Consumer complaint received 2021-08-06
Company: Partners Financial Services Inc
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a collection balance for XXXX from a school, XXXX XXXX XXXX XXXX XXXX, that was paid off by student loans, that I am in good standing with right now, well they took the amount my student loans paid for and made it their own, even though they were paid in full, and I had no idea of this until it went into collections. I have tried to fix it and get information and give information but they really want tell me much except I owe it. Ive tried to dispute it its not working either. Since they would not give me any answers or help on how I can fix this issue I told them not to call me no more. Well they continued to call and would call back to back from different numbers so Ive tried to block the number, but they also started calling from block numbers and would even call my friends, I have no idea how they got their numbers, and would call them back to back asking questions about me like where do I work how can they reach me and if my friends would call or text me and have me call them, they have called my work multiple times and will still to this day call my phone from different numbers and will stop. This loan was not a real loan I never owed them anything and I do not know how to stop this or get this corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
On XX/XX/XXXX, I received a text notification that my card was used. I immediately informed Capital one regarding the issue. Informed them that I have my card in my possession and those transactions was not mine. I was relieved that they were able to close my card and issue a new card. Then XX/XX/XXXX came, I received an email stating that they didnt find any fraudulent transactions since my card is with me and they assumed that it was me who did that transaction. I researched the merchant and it was in XXXX  california which is more than 100 miles where i live. I asked them how can they reach to that decision regarding my dispute only for 3 days. The rep cant give me any answers regarding the process she just told me because the card has a chip so it was valid transactions. I told them that i will not pay for the fraudulent transactions. Asked them about there zero liability and she can not provide me with an answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
I was currently XXXX overseas as a XXXX XXXX  XXXX  XXXX XXXX XXXX. My house loan had recently been transferred from Chase Bank to XXXX XXXX. I later found out there was only paper mail to my house for notification. I had been off the grid with little to no connection back home. Therefore, I did not receive any notice of the financial movement and missed consecutive payments on my mortgage ( I had auto-pay with Chase Bank ). I paid in full for all the months missed as soon as I identified the problem. I contacted all credit bureaus, Chase Bank, and XXXX XXXX   to remove the late payments on my credit report and to remove my late charge fees on my account. I had an above average credit score ( 800s ) up to this point and have always been a reliable client to any bank I have worked with.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Commonwealth Financial Systems Inc is reporting an alleged debt that does not belong to me to the credit bureaus. I have sent a certified letter to Commonwealth Financial Systems Inc asking them to validate by providing any, and all contracts SIGNED by me. If they are unable to do so, I they need to delete the debt ASAP and NOT resale this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: WELLS FARGO & COMPANY
State: HI
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
Loan kept going up up See pick a pay loans Paid 14 years on mortgage paid loan off but did not get anything I return no property zero

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 2018-06-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX I closed this account when the annual fee was due. There was an annual fee of {$140.00} that was not refunded when I closed the account. Without my knowledge, late fees and interest accumulated on this annual fee, which should not have happened since this is a bank fee. 

On XX/XX/XXXX, XXXX XXXX reported my account as opened and delinquent, which caused my credit score to drastically decrease 60 points overnight due to this bank error. It will be difficult for me to get a financial loan with this erroneous bank error on my credit report. 

On XX/XX/XXXX at XXXX XXXX  XXXX XXXX stated she closed my account and refunded all the fees, but failed to state that the bank would remove the erroneous delinquent account 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 2020-05-07
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt, I don't have an account with this company, i don't have a contract with this company, I never signed any agreement or any contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and TransUnion have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

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 2019-10-02
Company: Medical-Commercial Audit Inc
State: MO
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:
On XX/XX/2019 I mailed a debt verification letter to XXXX and XXXX  asking them to please send me proof of how did they verify this debt that was put on my credit profile from from MCA MANGEMENT. I have yet to get anything from them. According to the FCRA they have 30 days to respond to my request with true and accurate information. They have yet to do this. This inaccurate information is hindering me from purchasing a home. I demand that they Delete the inaccurate information off of my account immediately. They have not proven to me how the account has been verified, validated and nor if this is even my account. 

I also sent a letter to MCA MANAGEMENT COMPANY asking them to validate the debt asking for specific information to be sent back to me and they have yet to do so.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-17
Company: Coinbase, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
I have opened a Coinbase account last year and had go through a few transactions before it was unabled. Previously, I still able to withdraw, deposit and buy from the account. However, since last XX/XX/2017, I faced this issue for not able to do anything with the account such as buying, withdrawing and depositing. I just want the money to be out from that account so that I could pay for my expenses. I have contacted Coinbase support team so many times, and they told me to wait until the Specialist looked over my case. They even say I was at the highest priority level but until today, they still have not solve my issue. I also saw many comments about the same issue in XXXX and have posted my issue there. Also, I sent several personal message to the coinbase staff through XXXX since they did replied to some of the comments in the post. Unfortunately, no one response to me. This issue has been up for more than 5 months since last year and I really want it to be solve.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had my paychecks garnished, lost in lawsuit I did not know about. They sold it and another company is trying to collect another amount of money. Trying to, or did, take my tax refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-02
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX and XXXX have failed to acknowledge my dispute and correct my credit report. Experian has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

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 2019-10-02
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Equifax and XXXX  have failed to acknowledge my dispute and correct my credit report. XXXX has failed to acknowledge my dispute by continuing to send a copy of my credit report, oppose to verifying my disputed and violating my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: Premium Credit Bureau
State: GA
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:
sent out a certified letter on XX/XX/2018, have not received a response to why ist there a unauthorized credit inquiry from the company. In the letter I stated that if there is no verifiable reasoning or proof to please delete and taken off credit immediately. I have not received a response as of yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
- XX/XX/XXXX ; XXXX XXXX was charging $ XXXX.Claim for Excess Wear & Tear, after returning leased car. 

- XX/XX/XXXX ; Made for Total Settlement Amount Due {$1200.00} ( Account Balance {$1600.00} ) Payment Installment Plan with XXXX XXXX Down Payment Promise Date XX/XX/XXXX -  {$610.00} ( Paid on time ) Final payments @ {$610.00} XX/XX/XXXX {$610.00} ( Paid on time ) Total Payment Installment Plan : {$1200.00} -XX/XX/XXXX ; XXXX XXXX credit report to Potentially Negative Account with late payment. 

- XX/XX/XXXX XXXX XXXX sent confirmation mail, " XXXX has been settled and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 

-XX/XX/XXXX Made a phone call with XXXX XXXX discussing why my credit report was negative when I already payed off the settlements on time. The reply was if I paid off my remaining balance, the credit report wouldn't be negative anymore. 

-XX/XX/XXXX *Payed off remaining balance of {$400.00}. 
XXXX XXXX sent confirmation mail, " XXXX is now satisfied and you are released from any and all obligations ''. ( Attached Documents with copy of check ). 
*Credit report remained negative even after receiving these confirmation letters. 
*Made a call to XXXX about this issue ; wasn't given a solution. 

-XX/XX/XXXX *Disputed to 3 Credit Bureau for issue ( See above ). 
*Received dispute result from XXXX XXXX " Completed investigation of FCRA dispute - consumer disagrees '' OR TRANS UNION XXXX " DISP INVG COMP-CONSUM DISAGRS ; >SETTLED-LESS THAN FULL BLNC< ; CLOSED. '' * Also, XXXX  sent the result by E-mail. But it wasn't opened. It looks like some kind of security problem. Any how I need to phone call to them. 

Thank you!

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 2020-07-30
Company: Conduent Incorporated
State: GA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have had my card for about 2 or 3 months now and no money has been sent to me yet.. I dont understand what Im doing wrong or even if Ive been approved yet.. I received an email saying that I was approved but I have yet to see any benefits.. I have a XXXX year old child and I am currently unemployed and really need some help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-12
Company: CITIBANK, N.A.
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: Credit inquiries on your report that you don't recognize

Complaint:
Inquires on credit report that doesnt belong by to me, was a victim of identity theft in the past.

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