BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XX/XX/21 my husband and I closed escrow on a new house, a fixer upper. I applied for a Lowe 's credit card the next day, was approved for an {$8000.00} line of credit, began making purchases and placing appliance orders for our new house we plan to move in to on XX/XX/21. After a few large purchases, Synchrony Bank called to verify that I was the person making the purchases. I was. On XX/XX/21 I received my Lowe 's credit card in the mail and called to activate it. I requested a second card for my husband to use and that he be an authorized user on the account. Because Synchrony Bank/Lowe 's informed me it would take 7-10 days to receive the second card, I asked that they mail it to the new address where we would be residing by that time, so it would not get lost in the mail, and I officially updated our new address with them. On XX/XX/21 their Fraud Dept. called me numerous times from a number my cellphone labeled as Potential Spam. When I responded to their voicemail, the " Fraud Dept. '' required me to send them a copy of both sides of my driver 's license and a self video of my face to prove my identity! After I reluctantly complied ( because this sounded very suspicious ), they claimed they could not identify me, froze my account, and blocked me from logging in to my account. Numerous phone calls that same night yielded " the run around '', long waits on hold, and no answers as to what they wanted from me to prove who I am. I have 2 other accounts with Synchrony Bank with 5+ years of purchase/payment history with them. They know who I am! On XX/XX/21, I made a large payment on my Lowe 's account via the " Guest '' portal, more than half of what is owed. I'm still blocked. They are treating me like a criminal! We have a stove and refrigerator on order, on their zero interest payment plan, that we need installed because the house has none. I am furious and frustrated!

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 2017-11-27
Company: HW Holding, Inc
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was living in XXXX XXXX XXXX XXXX XXXX XXXX in from XX/XX/XXXX to XX/XX/XXXX. I had a two bedroom second floor apt XXXX XXXX XXXX. In my bedroom there was a roof leak when it rained. I removed paint on walls to find mold, I did a Mold test. It was positive for Black, Brown, Green Mold. I told XXXX about it and they sent a maintainance man over and he painted it wit XXXX just to cover the stain and repainted it. I became very sick with XXXX XXXX XXXX XXXX. I moved for 1 month to a one bedroom, I was told by my XXXX XXXX XXXX XXXX I need XXXX  XXXX, XXXX, and XXXX XXXX XXXX. I lived in XXXX alone, I had to move back to XXXX where I am currently living and since have advanced to XXXX XXXX XXXX XXXX XXXX which XXXX from XXXX to XXXX. I have 2 of the same collections on my credit report from XXXX XXXX ... ... XXXX.the Legal Dept I spoke to said they were two duplicates of same debt. The Debt is not even acuurate to start with as I paid my rent and had to leave for Medical reasons my XXXX believes is form environmental Mold in Apt . I am XXXX from the XXXX, and in treatment for the rest of my life till I die. I will be needing housing as my final resting place as I currently live with my XXXX yr old Father who has had XXXX XXXX, I can not get approved because eof these False Derogetory Marks on my Credit Report. I do not have funds to hire an Attorney as I um under Poverty Level by XXXX State Law. I became ill because of XXXX XXXX, Never was late on my rent was an excellent tenant ... and this is now at the end of my life what they are trying to do.False debt,2 of same when I owe nothing to begin with paid rent and I believe they used my security when I HAD TO LEAVE. I am not a Deadbeat ... I pay my bills. Iam willing to settle even though this is a False Bogus Debt x2, for {$100.00} dollars to have this removed both from my credit report, I have contacted local news and TV of this. Please help me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX. My current XXXX is XXXX XXXX XXXX Director of XXXX XXXX XXXX XXXX in XXXX XXXX XXXX, if you need to verify the status of my illness. I should be suing them for my XXXX, but instead they are nasty in the Legal Dept and will not remove at least one of the False Debts, never mind both. Thank You for uour time and consideration.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I have paying them since 2007 an average of {$300.00} per month. Since then they changed my payment several times, the changed their name to Navient from XXXX XXXX. I lost my paperwork in the hurricane Katrina while living in Florida. I have requested several times that they send me the original agreement and terms. I have received only lip service. 
I see they have settled several class action suits ( I was not privy to ) because of their practices which border on usury. I do not believe that owe them any monies however they claim over {$30000.00}. How is this possible when I have paid them around {$36000.00} and my loans were not that much. They are keeping me in debt and in the dark. I have tried the states atty. general. No luck only sorry contact our ombudsman who still refuses to send me the original docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: Flagstar Bank, N.A.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I made partial payments 2 weeks early. Example : I owe {$1900.00} on XX/XX/XXXX. I overpay {$1100.00} on XX/XX/XXXX and another {$1100.00} on XXXX. This overpays by almost {$300.00}, and the early payment reduces my interest. 

They are not crediting my early payment, they hold it and say that I am late and they are threatening me now. 

I have given them {$59000.00} since XX/XX/XXXX. Normal payments would be {$7700.00}. 

I'm being cheated. 

I have called them on the phone and they said they would pass it along to mgt. Nothing yet. 

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 explanation
Consumer complaint received 2019-04-30
Company: Choice Recovery, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This collection is not mine nor do I have knowledge of this account. I requested for this account to present my signature for said account or delete the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I signed up for XXXX when i first enroll to XXXX XXXX. one day i had a talk with the chairman of XXXX XXXX he stated that the school was going to be remove the XXXX XXXX classes. i switched from XXXX to XXXX me thinking my credits would transfer. graduated 2012 they stated they would help me find a job but never really tried to help me school closing affected me getting a job because most jobs require XXXX XXXX, non of my credits were transferable. before i enroll in XXXX XXXX they stated some credits would transfer. right now i have a hard time paying back and looking for a job where i can put my diploma in use the loans have affected my credit i cant apply for no more loans and go back to school even if i could i would have to start from the beginning due to my credits not transferring.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: EQUIFAX, INC.
State: TX
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:
I have noticed some inquiries that I did not consent to, authorize, nor benefit from these. I reached out to try to get these removed with the creditors and the credit bureaus but with no success. Please see the following FTC report I sent to the three bureaus and never received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-29
Company: EQUIFAX, INC.
State: FL
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 ALLOWED A FRAUDULENT INQUIRY TO BE MADE ON MY EQUIFAX CREDIT FILE IN XXXX 2017. I SUBMITTED A FORMAL COMPLAINT & AFFIDAVIT ( INCLUDING A COPY OF THE POLICE REPORT I FILED ) TO XXXX DETAILING THAT AN INQUIRY WAS MADE ON MY CREDIT FILE WITHOUT MY AUTHORIZATION. XXXX HAS NOT RESPONDED TO MY COMPLAINT NOR REMOVED THE INQUIRY FROM MY CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Absolute Resolutions Corp.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXXm the victim Of the fraud, I would like to remove this collection because im not owner Of this debt, I tryed to contact the company and they refuse to solve my problem, {$1500.00} is amount and debt collector is absolute resolutions- with XXXX XXXX.I teied to dispute it many times

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: ENCORE CAPITAL GROUP INC.
State: DC
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 am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me. 

I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue. 

This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud. 

I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-18
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
My auto loan was opened XX/XX/XXXX. The original loan amount was {$15000.00} with an interest rate of 21 %. From XX/XX/XXXX to XX/XX/XXXX I have made a total of {$31000.00} in car payments - nearly double of what the car was worth. Yes, I understand the interest rate is high, but I've paid double of what the original loan was for. My statement is still reflecting {$5900.00} due with a maturity date of XX/XX/XXXX. How am I supposed to go from a {$380.00} car note to Santander Consumer asking for full payment of nearly {$6000.00} dollars? I have surpassed the original contract terms of the loan ending in 72 months but still should not owe nearly {$6000.00} on a loan I paid TWICE over the course of 7 years. I am still getting late fees as my daily per diem is {$3.00} and late fees of {$7.00} per billing cycle. This loan and payments should have ended XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-14
Company: Mountain Run Solutions, LLC
State: SC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ITS DEBT FROM MOUNTAINRUNSOLUTION FOR XXXX, I SOLD ONE POPERTY IN XXXX XX/XX/2011, THE COMPANY I SOLD THEY HAD ACCICEDENT IN THIER PROPERTY, PROPERTY FULLY DAMAGE, THEYGOT MONEY FROM THEIR INSURANCE COMPANY BUT THEY NEVER XXXX WITH XXXX WITH SECURITY SYSTEM COMAPANY, NOW AFTER 10 YEAR THEY SECURTITY COMPAY FIND MY NAME IN RECORD AND TRY TO CHARGE ME THAT AMOUNT, I ALREADY SEND THEM MY BILL OF SALE AGGREEMENT WHIC IS CLEARLY MENTIONED THEY PEOPLE WAS RESPONSIBLE FOR ANY UTILITIES BILL, I SEND THEM ALL PAPER WORK TO THEM BUT THEY STILL PUT ON MY CREDIT, MY SCORE BECOME XXXX FROMXXXX  THIS CHARGES SPOUSE TO PAY BY NEW OWNER BUT THEY TRY TO CHARGE ME SO PLEASE HELP ME

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Dear CFPB, I would like to start a formal complaint regarding Venmo. On XX/XX/2021, I received XXXX XXXX, then I sent it to my bank account. The XXXX never made it, they refuse to reimbursed me for my XXXX USD. I contact them on XX/XX/XXXX. We are not the team that take car of that or this. Bottom line they never give me my XXXX USD

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-04
Company: General Motors Financial Company, Inc.
State: DC
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 am having a problem because there are a lot of inaccurate information on my report. I have been a victim of identity theft. I have XXXX inquiries, collections and misinformation that does not belong to me. 

I have varying birth dates, social security numbers, and addresses where I never lived and collection accounts that I DID NOT OPEN. I am XXXX years old and my credit is important to me. I am getting phone calls for some woman named XXXX XXXX, whom I suspect is responsible for this.I have tried to find out who she is to no avail. All of this stuff needs to be removed from my account. I can't have this issue continue. 

This person, I assume is doing a lot of this online.I am now trying to rent a home, and all of this keeps coming up, it is NOT fair for me to have to pay for someone else 's fraud. 

I am asking that anyone that inquires into my file, let it be known that Iam disputing my credit file and I AM A VICTIM OF identity theft. This woman XXXX XXXX is from New York, as far as I can tell and all she does is try and buy things in other people 's name. She is of XXXX descent, and scamming is her game. She is on XXXX, without a picture.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-27
Company: EQUIFAX, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX ( Amount : XXXX ) ( Equifax ) XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax ) XXXX XXXX XXXX ( Opened : XX/XX/XXXX ) Original creditor Name : XXXX XXXX XXXX ( Amount : XXXX ) ( Equifax )

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30
Company: TD BANK US HOLDING COMPANY
State: NE
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:
In XX/XX/2018 TD Bank issued a fraudulent credit card in my name, to an unknown third party in association with XXXX XXXX, account number XXXX XXXX XXXX XXXX. The unknown person then used that card to purchase three cell phones for {$2500.00}. TD bank closed the account and removed the charges. 
When I filed their requested affidavit, I requested : " In accordance with the Fair Credit Reporting Act, please supply me with all the information that the fraudulent person used to apply for this credit account in my name and any other business records relating to transactions and accounts that resulted from the theft of my identity so that I take whatever additional steps are necessary to prevent additional fraudulent activity in my name. The following sources and quoted material makes clear my right to this information. 
https : //www.consumerfinance.gov/learnmore/ Summary of your rights when you believe you are the victim of identity theft links to https : XXXX XXXX. You have the right to obtain documents relating to fraudulent transactions made or accounts opened using your personal information. A creditor or other business must give you copies of applications and other business records relating to transactions and accounts that resulted from the theft of your identity, if you ask for them in writing. A business may ask you for proof of your identity, a police report, and an affidavit before giving you the documents. It may also specify an address for you to send your request. Under certain circumstances a business can refuse to provide you with these documents. See www.consumerfinance.gov/learnmore.

" TD Bank does not comply with their promised 1-day inquiry and 30-day fraud response times and should be held to account for that false advertising. 

TD Bank failed to use due diligence in the issuance of a credit card to an unknown third person, and is thus complicit in the theft of my identity. 

With the failure of TD Bank to respond to my inquiries, one is left to wonder if they are hiding activities such as XXXX XXXX was a few years ago. 

This is just a short summary. Full details are in the attached documents, which includes a 6-page cover letter with proper formatting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-05
Company: CITIBANK, N.A.
State: VA
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:
Our state had national disaster. Homes flooded and some lost. 
I contacted my bank to let them know my XXXX payment would be late I paid it 12 days later on the XX/XX/XXXX. 

They reported my payment 31 to 59 days late on all reports.

I have included proof showing this info and proof of payment made and citi banks violating the fcra in regard to refusing to report accurately to my credit report. I would like the cfpb to fine them 3000 to me for the violation of this.

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 2020-05-04
Company: Rosebud Economic Development Corporation
State: WA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
In this difficult time, I am a victim of XXXX and I am not working since XX/XX/XXXX because my company has closed temporarily. I tried to call this people to let them know about my financial situation. I am surprised that I had taken out an {$800.00} loan but the interest is excessive. They kept calling and emailing me claiming {$2600.00}. I am really worried because this situation becomes stressful. 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 2019-04-30
Company: EQUIFAX, 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: Personal information incorrect

Complaint:
Somehow someone or some entity is reporting me at bogus addresses. I have fixed the issue, so far, with XXXX and hopefully XXXX XXXX, but Equifax is a big problem. I thought I wiped the bad addresses off my report ( I have lived at my current address XXXX XXXX XXXX XXXX IL  XXXX for 10 years ), yet when I obtained my most recent report. they showed back up. I called to have them wiped, but I need to know who is doing this. As you can see from the report itself it shows me being at my address since XX/XX/XXXX, which is the date I called to get the addresses wiped again. If you look at the report date on the XXXX  address it was XX/XX/2019. I lived at that address 40 years ago! The XXXX XXXX XXXX one was 20 years ago and I never lived in XXXX. Now if you look on page 42 of my pdf copy of the report at the " soft inquiries '' it shows 2 consumer interviews, one on the 4th and another on the 7th. I think it's a monumental screw-up by their customer service. Instead of correcting my addresses they made it worse. I have lived in IL the last 15 years with all documents and records to prove it. Just ask the IRS, or Social Security Administration. Please help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-03
Company: CORELOGIC INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I had a hard credit inquiry done by Credco without my permission and knowledge, please remove this off my credit. It was done on XX/XX/2017.

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