BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-22
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
XX/XX/2020 : I received correspondence from Synchrony Bank ( PayPal Credit Account ) indicating a non approval for a credit line increase I had requested. 
I do not have an account which I was aware of with this bank and have never used this account, or made any requests with this bank. In addition I have never approved this account to be opened and they do not have my signature requesting an account. I have never received any billing information regarding this account and only became aware of it's existence upon receiving the letter dated XX/XX/2020. 
I called the number listed on the letter and informed them of the above. 

XX/XX/2020 : I received correspondence from Synchrony Bank indicating they were closing the account, contacting the credit reporting agencies, and starting a fraud investigation. 

XX/XX/2020 : I received a rejection letter from Synchrony Bank regarding a request to open an account and the rejection was for closure of the PayPal Credit Account. Why would I request to open an account when I had just requested closure for one? 

XX/XX/2020 : I received a fraud investigation form and completed and returned it within 5 days. I indicated that the strange charges appeared to be to individuals and not legitimate businesses. 

XX/XX/2020 : I received notification from Synchrony Bank indicating they were unable to approve my fraud claim due to : " Account opened greater than 1 year with verifiable payment history. ''

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 2020-10-14
Company: TOYOTA MOTOR CREDIT CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have a loan with Toyota Motor XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, and Toyota Motor XXXX with no successful resolution. XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 120 days late

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-09
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: Old information reappears or never goes away

Complaint:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

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 2018-08-15
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:
I have been disputing a charge off account with Transunion and XXXX  for months. I have even given them a letter from the creditor on their letter head stating what social number they have on file for this person with the same name as mine. They still are saying this doesn't meet their criteria to remove it off my report. I asked what is the criteria and the response is they can't provide it to me. 

What else can I do to get them to remove this negative item?

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 2021-02-11
Company: ROBINHOOD MARKETS INC.
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have an account with Robinhood, when I set it up last year it asked for my phone number and email. I used my home number. For a year now, whenever I make a trade, it emails me a code ( 2-factor authentication ). On Monday, XXXX I tried to make a trade and instead of emailing me the code as usual it asked how did I prefer to receive the code and there was only 1 option SMS ( which it tried to send to my home phone ). So then I tried to change the phone number and it said in order to change the phone number it would text me a code - which I obviously can not get. I emailed customer service - which was not easy to find where - and it said they would get back to me in 1-3 DAYS! DAYS! Whoever heard of taking days to get back to someone when money is involved. There is no phone number anywhere to call. So then thinking this must be a glitch I logged out and tried to log back in, which it won't let me without the same SMS code that it is sending to my landline. I tried to reach customer service again and it says to log in to reach them, which I can not do. Then I tried resetting my password - same thing, wants the SMS code, which I can not get. Spent the next hour trying every button on their help site to finally find another spot where I can email them, again 1-3 days. Well its been 1-3 days now, meanwhile I am unable to trade and losing money every minute. It is incredibly irresponsible to make changes to to their system without notifying their clients, they no where said the number provide had to be able to receive texts, and then they suddenly removed the email option with no warning. To compound this there is NO WAY TO REACH THEM! Impossible that they are in charge of people 's finances with no level of customer service. People need to know. They need to be fined/stopped/put out of business or something. I'm am beyond upset. Today Thursday and I have had no access to my account and money since Monday through no fault of my own. This is 2021 in America, impossible to believe that this exists.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-01
Company: DISCOVER BANK
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I feel that Discover has failed to increase my credit line because of my national origin and I feel discriminated as XXXX American hard working tax payer. 

Enough of the abuse by these stupid companies. 

I make more than enough money over XXXX XXXX per year and still never an increase. 
I just need the available credit in case of an emergency.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original bill was from my son when he was in college in Missouri. I paid it AFTER I was aware of it and a few months later they sent ME ANOTHER BILL which I disputed. THAT was paid AND CLEARED my account XX/XX/XXXX, for XXXX, check XXXX to XXXX XXXX XXXX XXXX XXXX!! Anytime I tried to question the bill I was ALWAYS told they COULD NOT GIVE ME ANY INFORMATION, yet they continued to harass me with bills. NOW I am receiving bills from Credit Bureau Systems Inc out of XXXX, KY ( XX/XX/XXXX ) and when I called XX/XX/XXXX, I was told they couldnt give me any information just like I was told by XXXX XXXX XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called for an experienced report and they sent me and I noticed a number of things that wasnt correct on my report so I called the number that was provided to me on the letter when I called they had no information about me for example the account number thats provided on the top of the letter the representative wasnt able to find that when they searched it up. Also they told me my address wasnt on file which was weird because they just sent me my credit report. Then I was asked multiple questions that I had no clue about and when I didnt answer the questions to THEIR ability I was told they couldnt answer my questions because they were unable to verify my identity which was very frustrating for someone whos just trying to improve their credit and fix whats wrong.

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 2021-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Capital One offered a checking bonus of {$400.00} when opening a new checking account with promo code XXXX. I applied the code and opened the account on XX/XX/XXXX and received two or more direct deposits totaling $ XXXX+ within 60 days of account opening as required but the bonus was denied to me in a XX/XX/XXXX e-mail from the bank for having a previous 360 checking account opened per their terms : " If you have or had an open 360 Checking account as a primary or secondary account holder with Capital One on or after XX/XX/XXXX, you will be ineligible for the bonus. '' I do have another checking product opened, an ING Direct checking account, but nowhere in their terms does it say having an ING Direct account opened makes one ineligible for this offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-02
Company: BOK FINANCIAL CORP
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Lender asked me to fib on my tax return, was unavailable to answer questions in a timely manner, belittled me told me I was the reason for her being behind on her files, gave empty promises to ALL parties involved, told me I had to pay all my PMI upfront XXXX at closing because my credit score wasn't at a XXXX. Only to find out it was a XXXX. Had my information for months but called me weekend before closing at XXXX XXXX said not closing. I really feel disrespected and DISCRIMINATED against. Finally I felt pressured to pull out of loan

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-09
Company: ATLANTIC BAY MORTGAGE GROUP LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2018 The City Of XXXX Va waived my Realestate Tax becuase I am a XXXX XXXX XXXX XXXXXXXX veteran. On XX/XX/2018 I notified alantic bay Mortgage of the waiver and provided them the documentation from the city of XXXX. 
I was told within 30 days I would have my escrow funds refunded to me. Since then I have called the company five times, three seperate emails and spoke to a " supervisor ''. 
The company has never returned my emails or called back to notfiy me that it has been corrected. As of XX/XX/XXXX, it is now six months and the issue remains, with XXXX dollars in escrow which is not needed. With the waiver of taxes my payment will decrease by XXXX dollars a month. 
I have reached out to the XXXX XXXX XXXX and Alantic Bay has not even responded to them. 
It just amazes me that this company would treat anyone like this, not to mention a XXXX veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I have a Bank of America checking acc for 20 years. I also have an HSA AC with them. I made my annual transfer from checking to HSA. They are holding the funds for 10 days?.? This is SIMPLY outrageous. They took the funds from my checking and are holding them earning interest while I have bills to pay. There is no further verification needed as they know who I am and they HAVE THE MONEY as its out if my checking acc the day I transferred.

This is abusive behavior. It should be same or next day. 
This happens every year. Its unacceptable.

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 2018-04-04
Company: Experian Information Solutions Inc.
State: LA
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 contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney

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 2019-01-09
Company: CITIBANK, N.A.
State: MO
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:
This is a follow up to complaint XXXX I supplied Citi with sufficient information to process a dispute with a merchant. Citi delayed months on this complaint ; there were constant struggles getting the investigator to reply. Nevertheless, Citi 's delays were jeopardizing the ability for the dispute process to occur through Visa. Finally, after submitting a complaint from the CPFB - Citi responded with a letter ( which CFPB was in cc ) stating that their executive office would be proceeding with the dispute and the merchant had 45 days to respond but to allow them up to 60 days to communicate any next steps or merchant responses.

On XX/XX/XXXX ( 60th day from the date of the letter ), I contacted Citi to find out if the merchant had responded. The letter clearly states that if there is no response by the merchant by 60 days, the credit would become permanent on my account.

On that phone call, Citi informed me that they had forgotten to submit the dispute and they would be getting back in touch with me about " writing off '' the debt since they clearly neglected to follow the steps they stated in their letter. I have a voice mail saved from their executive office that I would have a phone call with an answer by close of business tomorrow ( XX/XX/XXXX ). I've never received that call and have placed 15 calls since then at various times of the day - so far, I have left 3 voice mails with no reply.

On XX/XX/XXXX, I received a letter in the mail that I have also attached to this complaint. This letter was dated XX/XX/XXXX ( after the 60 day expiration ) - it now states that they will be working with the merchant and will let me know the reason if they can not get an agreement for a refund. Obviously, this letter contradicts the first letter and demonstrates egregious neglect and/or abuse of a process that I was entitled to when I signed up for the terms of service with using their card.

The CFPB feedback window on the first complaint expires in 60 days from the date of the original complaint ; therefore, I was unable to add these follow up action details. By filing a new complaint and making the CFPB aware, my hope is that they were not able to slide through the first complaint to seemingly comply and satisfy the issue.

My consumer abuse experience is evidence that the lack of action for my qualified dispute is a clear breach of their cardholder rights under the terms of service offered when I signed up for the card. Depending on the response to this complaint, I have been requested to submit all compiled information to the Attorney General 's office for actionable review.

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 2018-08-15
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I had a Student Loan classified under Private Loan with Sallie May back in XX/XX/2004. After my XXXX program ended, I didn't get a job that would allow me to make the monthly payments on the loan. Instead of Sallie Mae to assist me in lowering my payments, I was tricked into forbearance and deferments. After the end of each deferment or forbearance, I would make payments for a few month but it was unsustainable and I would stop making payments and defer once again. 

All along, the loan kept accruing interest and increase. I would be called by their customer service and harassed and threatened. The loan accrued interests and it is now almost {$30000.00}. Now they changed their name to Navient but the loan amount is still increasing till date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-01
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
The first bill statement that was not received was at XX/XX/XXXX. After this it happened again on the Month of XX/XX/XXXX. I did not receive the bill statement before the due date. I made the payment on XX/XX/XXXX and received the bill statement of XX/XX/XXXX with a different minimum payment due because the XXXX bill statement came late. XX/XX/XXXX bill Statement I paid on XX/XX/XXXX ( By the way all the payment is made around day XXXX and XXXX every month. ) On XX/XX/XXXX I spoke with XXXX about the fee and she told me that she refunded the fee ; however, I just got today the XX/XX/XXXX bill statement with the Minimum payment due more than {$42.00} for the error that I did not do. The XX/XX/XXXX bill statement came late and Synchrony bank is blaming me. It is not right and it 's unfair. Today I spoke with XXXX and later with XXXX. XXXX said she will do it a courtesy to remove the fee. It is not a courtesy ( DID NOT RECEIVE THE BILL STATEMENT ON TIME ) and I asked her about the Minimum payment due of {$42.00} ; she said she can not do anything about it. I believe the American people and I need to get the bill statement before the due date. I will continue to make the payment of {$42.00} until I get an answer by authorities.

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 2018-08-15
Company: SELLING SOURCE, LLC
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: Information belongs to someone else

Complaint:
On XX/XX/2018 I was trying to get a loan and I was denied. They is reporting the wrong stuff on they site, Ive ask them to remove them, I told them iam under identity thief, please help me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-09
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: Old information reappears or never goes away

Complaint:
My credit report is still reflecting an old account which should have been deleted as of XX/XX/XXXX. My conns account was opened on XX/XX/XXXX and by law of seven years it should be removed from my credit report. I have talked to several agents and can not get them to remove this even after they say they will

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 2020-06-04
Company: Earnest 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: Personal information incorrect

Complaint:
I have two student refinance loans with XXXX/Earnest ( Earnest.com ). I recently moved and changed my address for many of my personal accounts. I gave Earnest my correct new address, but they still somehow reported it incorrectly to the 3 major credit bureaus as well as the 2 smaller ones ( XXXX and XXXX ). 

I requested to Earnest that they fix this issue as when I tried to have XXXX   remove it, they said that Earnest must first correct it on their end. After contacting Earnest, they told me that they do have the correct address on file and that's it's not their problem. 

I now have inaccurate information on all of my credit files and am having personal information mailed to the wrong address. Please assist me! 

The correct address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, GA XXXX Incorrect address reported by Earnest ( missing the " XXXX '' in my Apartment number ) : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-16
Company: Kriya Capital, LLC
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have no idea who this company is and why they are listed on my Credit Report. I have tried to contact the company, but was unable to contact them.

Company response to consumer: Closed with non-monetary relief