BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-09-07
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
To Whom It May Concern : Dear Sir/Madam : I am an Attorney at Law residing in XXXX, Texas, located in the XXXX XXXX. 

( 1 ) On XX/XX/2021, I purchased a set of books from Mr. XXXX XXXX aka XXXX on XXXX. I paid {$1000.00} using PayPal Credit provided by Synchrony Bank ; ( 2 ) On XX/XX/XXXX, I received the items via USPS ; ( 3 ) I open the package immediately and found significant damage to the book bindings ; ( 4 ) This material fact was not disclosed on the XXXX site or during any communication with the seller ; ( 5 ) After several back and forth, the seller agreed to take the item back and provided me with a XXXX issued USPS label with tracking number XXXX ; ( 6 ) During this time, I called XXXX and PayPal Credit and informed them about the issue. They both asked me to file a dispute and not to cancel either to be safe. I had several agents from both the companies advise me to keep both disputes open ; ( 7 ) XXXX and PayPal credit both have warranties and buyer protection program, sympathized with my plight and they assured me every time the matter will be resolved within a few days, and I will have my refund {$1000.00} soon ; ( 8 ) On XX/XX/2021, the buyer received all the return items and personally signed for them ; ( 9 ) On XX/XX/2021, PayPal Credit aka Synchrony Bank refused the refund although I had repeated informed them during my prior calls that the buyer has the items in his possession ; ( 10 ) So, I waited on XXXX to resolve the matter and on XX/XX/2021, they are denying my money back claim because I have opened another claim with PayPal credit and that I should contact the, only. ( 11 ) However, XXXX never contacted me and looks like PayPal credit in the previous 90 days negligently failed to confirm with PayPal credit to see that XXXX had already closed their case ; ( 11 ) I contacted XXXX immediately and re-opened my dispute ; ( 12 ) Today, on XX/XX/2021, I received a secure email from Synchrony bank aka PayPal credit with a letter dated XX/XX/2021 ; ( 13 ) They denied the claim because the merchant aka XXXX has provided some information stating that I have entered into a contract to pay them the money ; ( 14 ) I never agreed to any such thing especially when I do not even possess the merchandise. 
( 15 ) I have been tossed around between XXXX and PayPal credit for the last 6 months without any resolution and now made to pay for something I do not even have in my possession and that has been returned to the buyer with proof of receipt. 
I am frustrated, worn out, distraught and suffering from severe anxiety over this matter and have been taking medication to calm my nerves. Please 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 monetary relief
Consumer complaint received 2019-05-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
Hard inquiry on my trans union report no way to dispute on their website. 
From XXXX XXXX see attached

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 2021-12-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account information incorrect

Complaint:
Since XX/XX/XXXX I have been disputing a XXXX XXXX account that has been appearing on my TransUnion credit report but received a response that it was verified by XXXX XXXX. I again disputed the XXXX XXXX entry on XX/XX/XXXX and XX/XX/XXXX to receive the same response verified. Even though I have pointed out to TransUnion all the inaccuracies on my credit report 1. Account status DEROGATORY should is inaccurate 2. Date opened is INACCURATE. 3. Payment status UNKNOWN is inaccurate 4. Last reported XX/XX/XXXX this is INACCURATE if they investigated this 3 times the date should show a date in XXXX not XXXX 5. Date of last activity is inaccurate compared to the other 2 credit reporting agencies and 6. Date of last payment is BLANK this is inaccurate. TransUnion continues to violate federal laws and in turn are causing me financial hardship costing me thousands of dollars in high interest rates, denied credit, high insurance premiums, defamation, negligent enablement of density fraud. They are also in violation of the FCRA. I am providing the certified letters sent to TransUnion and I will also provide my most recent credit report High lighting the inaccuracies side by side with the other credit reporting agencies.

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 2018-01-19
Company: CHARLES SCHWAB CORPORATION, THE
State: AZ
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:
My wife and I opened a checking account with Charles Schwab and it was never disclosed that a hard inquiry would be pulled on my credit. It does not make sense that a hard pull would be done for opening a checking account. I can maybe understand a soft pull but not a hard pull for opening a checking account. This is ridiculous! 

This was not done for my wife who is the other applicant on this checking account. 

The process for me as a co-applicant from the beginning has been very different and they have treated me with discrimination asking me for more documents due to my nationality and language. 

Even on my first call, the phone representatives did not believe it was me, asked me a lot of verification questions and now I have proof of discrimination because I can see that they even did a HARD PULL on me, and not my wife. They have even asked me for additional proof of ID and documents, once again, these things were not asked from my wife who is the primary applicant. 

A representative called me with a very patronizing attitude from Charles Schwab on XXXX/XXXX/18 ( XXXX ) XXXX XXXX XXXX XXXX with nothing but blaming me for not paying attention when I applied for their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Novad Management Consulting LLC
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Closing on a mortgage

Complaint:
Hello, Please help us! We are trying to sell my Mom 's home.She has a reverse mortgage which is service by NOVAD Consulting Company. 
We are currently under contract but are in danger of losing the sale due to lack of Payoff information by NOVAD.The Title company has followed all of the rules and filled out all of the forms properly.We have no response from NOVAD.We have spent hours on the phone on hold with no human to talk to or even leave voice mail. 
There are XXXX XXXX XXXX XXXX Complaints concerning NOVAD. 

We lose the sale of the house at Midnight. We lose the sale of the house. We will lose over XXXX in equity in the sale of the home of we can not close. 

NOVAD does not respond. 

House is under contract-XXXX XXXX NOVAD- refuses to provide payoff for closing XXXX XXXX XXXX  XXXX, Texas XXXX Thank you so much! 

XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: Harris & Harris, Ltd.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Around the middle of XXXX, 2017, I opened a checking and savings account with Bank of America, and the account was open for 3 days. At that point, BoA closed the account, and they did not disclose a reason for why the account was closing. I attempted to find out why the account was closed, and no one would respond as to why.

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 2015-08-10
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I currently have a private loan serviced by AES which was suppose sold XXXX, I fell behind on my payments the last payment made was XXXX 2015. I recently received a statement from the company asking for payment due by XXXX XXXX, 2015 called to make arrangements and the customer rep told it was sold to XXXX and now is in default. I never received any information about the loan going into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
The bank failed to notify my town that they own my mortgage, failed to may our property tax bill on time, and when I am attempting to solve the problem I have been on hold for more than an hour and a half. They would not connect me to a person in the bank 's tax department.

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 2018-01-19
Company: CITYWIDE HOME LOANS A UTAH CORPORATION
State: NV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My girl friend and I met with our Lender from City Wide Home Loans on XX/XX/XXXX at XXXX XXXX to discuss in more detail about our recent Pre-Qualification for a home loan that was done on XX/XX/XXXX at XXXX PST. While we were there discussing financing options the lender suggested that we qualified for a Nevada home loan assistance grant called " Home is possible ''. We were told this grant would help with our down payment and closing costs and that in 6 months to a year we would be able to refinance in to a potential lower APR rate and hopefully lower our monthly mortgage. While the lender was going in to detail about the grant he suggested that the Nevada Housing Division was changing their laws surrounding the grant and beginning XX/XX/XXXX the grant would become a " second loan '' instead of a grant and certain stipulations would apply where we would not be able to refinance for 3 years unless we paid back the remainder of the assistance we received. He told us that as long as we had an offer in on a house prior to this date the purchase agreement would lock in the deal and we would be " grandfathered '' in to the grant instead of the new " second loan '' and would still be eligible to refinance in 6-12 months. After we were told this we made a point to begin searching for a home as soon as possible. We came up very lucky and put an offer in on a home on on XX/XX/XXXX and the offer was accepted on XX/XX/XXXX. We were under the impression that because the purchase acceptance date was on XX/XX/XXXX, before the new law went in to effect on XX/XX/XXXX, that we would have the offer that was suggested to us. Now, 4 days before closing on XX/XX/XXXX, the lender told us that they submitted the reservation for the grant via email to the Nevada Housing Division on XX/XX/XXXX, but the Nevada Housing Division did not approve the grant until XX/XX/XXXX and since it was after XX/XX/XXXX we would only be eligible to receive the new loan and not the grant. After this, i was frustrated, so i called Nevada Housing Division to discuss my concerns further because the lender suggested that it was not their fault. Nevada Housing Division then told me that the reservations are not sent via email, as the lender suggested, and that the grant is reserved via their website directly from the lender and approved at that same time. We are moving forward with purchasing the home because we have fallen in love, but the misleading and lies from the lender were very discouraging. I feel this is a UDAAP violation due to the unfair and deceptive actions taken by the lender.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: BBVA FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
On XXXX XXXX XXXX I made my usual payment at statement close via BBVA 's online account access. I paid with my saved checking account on file that I have used without issue many times in the past. 
On XXXX XXXX XXXX I received my paper statement in the mail and saw that my payment that I made was reversed without my knowledge on XXXX XXXX XXXX and I was being charged interest on the amount due On XXXX XXXX XXXX I called BBVA to figure out what happened. It was discovered that the payment made, for whatever reason, had the last 2 digits of my checking account number missing so they said they were unable to make the payment. When I made my payment, I did not manually enter in any numbers, I simply selected the saved checking account on file that I have always used without issue. It is abundantly clear that there was some issue on their end that corrupted my checking acct info and made my payment not process in their system. However, phone support absolutely refused to accept this reality and they fought me on it over the phone for half an hour. 
I expect BBVA to refund all finance charges and late fees immediately Thank you for your assistance

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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: Reporting company used your report improperly

Complaint:
On XX/XX/2019 Capital One XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX Pulled a hard inquiry on my credit report. I did not give authorization for this credit inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-07
Company: Conn's, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I've been disputing this " supposed debt '' for a few months now, and I've written to XXXX, XXXX, XXXX, and the company itself, but no one has responded. The account was last updated in the sum of {$1500.00} on XX/XX/2021. I have no idea where this financing came from.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-09
Company: Skopos Financial, LLC
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft i request you please remove the fraudulent charges 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 2021-02-17
Company: Americas Car-Mart, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
According to the State Licensing Requirements the debt collectors that is collecting on my debt for Colonial Auto Finance using address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, AR XXXX, arent registered nor have they paid their bond with the state of Arkansas, for which this where the debt collection started, nor are they up to date/ licensed with the state of Texas XXXX for which this is my current residency, to collect on the debts. By law, they're violating state requirements, making them non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
In XX/XX/XXXX, I became very ill and had to take a leave of absence from my job and move in with my family so they could help care for me. I called XXXX XXXX to notify them of this sudden change in my life to see if I could work out a payment plan with them. I had automatic payments set up to take care of the remaining balance over a period of 6 months. 

I was surprised to receive a letter in XX/XX/XXXX informing me that my account had been closed due to non-payment. The customer service representative I had spoken to originally had not marked my account for graduated payments or set up the automatic debit as agreed. I ended up taking care of the remaining balance, but XXXX XXXX would not re-open my account or take ownership for their CSR 's mistake. 

To this day, my credit report states that my account is somehow still open, but that it was also closed on XX/XX/XXXX. My credit report also inaccurately shows that my account was 120 days late between XX/XX/XXXX - XX/XX/XXXX. I was on a payment plan at that time, made every payment on time, and met all the requirements of that payment plan by XX/XX/XXXX, so there is no reason for that to be 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 2019-07-17
Company: SYNCHRONY FINANCIAL
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: Account information incorrect

Complaint:
Re : Formal Compliant against Syncb/Chevron and XXXX To Whom it May Concern : This is a formal compliant against both the Creditor Syncb/Chevron and Credit Bureau XXXX, as both has failed to respond to my dispute letters addressing the inaccuracies of reporting negative items. On XX/XX/XXXX, The initial certified letter was sent to Syncb/Chevron and delivered on XX/XX/XXXX signed by employee XXXX XXXX. Syncb/Chevron has violated FCRA & FDCPA laws and failed to respond within 30 days of receipt of this certified letter. The second certified letter was sent on XX/XX/XXXX to readdress the inaccurate reporting that is listed on my credit file with XXXX, once again this letter was delivered and signed for by an employee. Syncb/Chevron has failed to respond within 30 days to this certified letter, and has again violated laws as mentioned previous. After Chevron failed to respond, I sent a dispute letter to XXXX to address inaccurate reporting listed on my credit file on XX/XX/XXXX, as it was delivered on XX/XX/XXXX and signed by XXXX XXXX. XXXX has yet to send any type of correspondence within 30 days as expected by FCRA laws. And, has continually report negative items on my credit file.

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 2022-08-13
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XXXX, XXXX, XXXX, XXXX and XXXX of XXXX. XXXX XXXX  XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under a late for and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have contacted XXXX XXXX XXXX and to all 3 credit agencies. XXXX removed the account but XXXX and Transunion is still reporting false information of a debt that do not belong to me. This debt was created as a result of identity theft. I have submitted to them identity theft forms and they still have not remove this account from my credit profile. I would like your help in getting this matter resolved. Please fine this company or have them remove this account from my credit file.

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 2018-01-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with overdraft
Sub-issue: Was signed up for overdraft on card, but don't want to be

Complaint:
I Have been with Citibank for many years now and I have called every single time I have gotten an overdraft fee and told them I do not want it and it still happens to steal money from me everytime. If there is not enough money on my account and something tries to take some out it should just be declined I should not be charged {$60.00} extra for something I never asked for and have countless problems about. I woke up with an overdrawn account yesterday was down by XXXX I had to transfer money from my savings and lost {$50.00} to these fees i never asked for just decline my card do not pay for me and charge me extra money that I obviously do not have. And I have called Citibank about it so many times and they continue with the overdrafting fees. I cant handle this anymore please 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 monetary relief