BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-05-22
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I hold a Verizon XXXX Credit Card. With this card, you earn XXXX Rewards dollars every month. This has worked very well for over one year. Synchrony Bank is the issuer of the card. This month the process is not working. My Synchrony account shows {$120.00} reward dollars. HOWEVER, there is something wrong with the system and I can not access these rewards to apply against the XXXX bill ( s ) that I received. This defeats the entire purposes of having the card. In essence, the Reward Dollars are being held XXXX. I have contacted Synchrony multiple times. No one seems to care at the customer service level. These contacts have been by phone and by chat. The Synchrony contacts have directed me ( " dumped '' me ) over to XXXX. XXXX says they have no responsibility and can not access Synchrony systems. I believe that is an accurate statement. Nevertheless, XXXX XXXX name is prominently displayed on this XXXX program. 

My sense is there is a system error, but the information is not making its way to the proper people at Synchrony Bank. That, however, is NOT an excuse, since I ( and likely others ) are being denied the very thing we bargained for at the outset, when we obtained this rewards card.

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 2021-11-02
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23
Company: NCB Management Services Inc.
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
NCB Management Services , Inc. sent me a legal document stating that I am being sued. I have no signed contract with this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-27
Company: Paypal Holdings, Inc
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
A transfer was done with Paypal in the amount of XXXX to my XXXX XXXX XXXX XXXX account. At some point paypal deleted my bank account from my paypal and did an ACH reversal on the money I sent to the bank. This was done on the XXXX of XXXX. XXXX has record of paypal initiating a reversal but paypal claims there's been no reversal and the transaction has cleared. Paypal has not given a straight answer to where the funds are and just keep telling me to wait despite the fact it's been far longer than the 3 business days stated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-12
Company: Torriere Holdings INC
State: SC
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:
Reporting incorrect info to credit bureaus is in Violations of my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-06
Company: Experian Information Solutions Inc.
State: OK
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX # XXXX, has violated my rights. 

15 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2021-02-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I went on line with Citizens Mortgage wanting to pay an additional {$100.00} towards my principal on XX/XX/XXXX a payment of {$1700.00}. On XX/XX/XXXX a second payment of {$1700.00} was again automatically withdrawn from my checking account at Citizens Bank. When I checked my account on XXXX I saw the 2 payments had been taken instead of one. I contacted Citizens Mortgage at XXXX was told by automated message I would have wait for a call back back on XXXX at XXXX XXXX. A representative called on XXXX and said I could not receive my funds back for 10 days, despite the funds being taken from my XXXX. Upset as I was I agreed he said he would make a note and the funds would be returned to my account. I waited until XX/XX/XXXX still no funds returned. I called again and the representative said due to weather in TX my refund was not processed until XX/XX/XXXX and it would take 5 business days for it to be processed and 5-10 for me to receive my funds in the mail. These funds were never credited to my mortgage and they have held them for 23 days and I cant expect return for another 10 days. Poor customer service and lack of urgency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-07
Company: SYNCHRONY FINANCIAL
State: NC
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:
I applied for furniture credit on XX/XX/2020 and i was denied by Synchrony Bank Rooms To Go. They could not tell me why and I was told to wait for the letter. Prior, I received a letter from Synchrony bank stating that credit was denied for outdoor furniture due to incorrect information and I was listed as deceased. 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 explanation
Consumer complaint received 2021-02-27
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
AMEX ( Date opened XX/XX/XXXX ) add a negative mark ( XX/XX/XXXX ) on my credit report per XXXX. I do not know why this mark appeared in the report. In my opinion an error has occurred and I ask you to remove the mark.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Received statement on XX/XX/2019 via email stating balance {$49.00} payment due {$49.00}. Then on XX/XX/2019 received a letter stating account 90 days past due account closed. Contacted bank ask what was going on since I never received a statement previously showing payment due, and I was never contacted by mail or phone stating it. Investigation was started 5 days later received letter stating balance was zeroed out and they couldnt reopen my account. Then a couple weeks later I received another letter stating that all past due reports to credit bureau was being corrected to show no past due. This has destroyed my credit rating and they still wont reopen my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
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: Public record information inaccurate

Complaint:
I show XXXX bankruptcies on my credit report. I contacted the court and their response is enclosed. It is clear they do not report to any credit bureaus ; therefore the item with the court was either an error or a lie. Either way, the reporting requirements do not comply with FCRA XXXX XXXX XXXX XXXX. XXXX ) and the information must be deleted immediately. I have enclosed my letter to the courts and also the courts response. I am also disputing this information with XXXX XXXX as to my understanding XXXX XXXX is the company that provided this information. I have contacted all of the credit bureaus and advised of this and I received responses from all of the credit agencies that they will not remove the items from my 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 2019-02-27
Company: GREAT LAKES
State: MO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Great Lakes sent my account to a loan service group named XXXX XXXX and I received a notice by the us dept of education that I would be garnished for non payment of loans in early XXXX. I was in forbearance with Great Lakes and I didnt receive any notice that my forbearance ended. I contacted XXXX XXXX immediately and was told I would be garnished for $ XXXX+/- a month until loans are paid ( {$12000.00} ). I explained that there is no way I can afford this, but I would be willing to pay up to {$300.00} a month. They asked me to fill out documents on my bills, and I did. We went over this in detail during our initial conversation. During this conversation, I was told I could make on time monthly payments for 10 months at $ XXXX/month and that will bring me back on track. I was happy to have this option. I mailed them in as instructed to, and was told they would get back to me with my arrangements. I never heard from them. I called them the first week of XXXX and was told that they never received the documents, and since they didnt, there was nothing they could do. They have moved forward with processing the garnishment and the amount is almost {$800.00} a month. I made this clear that this would put me at risk of losing my home, and assets, and they didnt care. I have no options at this point and I am scared.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
My name is XXXX XXXX. I am filing this compliant for misleading false reporting information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-05-24
Company: I.C. System, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Collections letter received from : I.C. Systems XXXX. XXXX  XXXX XXXX   XXXX, MN XXXX On XX/XX/2020, I received a collection letter from the above said agency in regards to an XXXX XXXX account, account number XXXX, in the amount of {$340.00}. I mailed off a dispute letter on XX/XX/2020, disputing the validity of this collection. To date, XX/XX/2020 no response has been given to me to validate this collection that is being attempted to collect against me. No communications whatsoever in this matter. Thank you for your time and attention in this very important matter. 

Respectfully, XXXX 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 2020-09-08
Company: Total Card, Inc.
State: NC
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:
I have disputed an account on my credit report however the creditor and credit bureau continues to update the account as a charged off account ... .Account is a paid account and I have payment confirmations proving account was paid in full via ach payments each month to settle the account.

A total of 7 payments were made in the amount of {$63.00} as agreed upon with Total card inc The original creditor needs to correct the account or delete the negative remarks on my Account. 
Account in question is XXXX/XXXX account # XXXX Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-02
Company: Experian Information Solutions Inc.
State: AL
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was paid in full. Please remove it from all of my credit reports.

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 2020-11-23
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Only 3 mayor banks operate in Puerto Rico and they are regulated by the Federal Reserve System. These banks are Banco Popular of Puerto Rico, XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. With regards to property insurance, barrowers are ONLY required to provide banks with evidence of dwelling or homeowners insurance coverage. Contents and liabilty insurance is NOT required. However, these 3 banks and their wholly owned insurance subsidiaries which operate as general insurance agents in Puerto Rico are annualy generating millions of dollars in commission base fees by including contents and liability insurance on policies forced placed by them when barrowers fail to provide the banks with evidence of dwelling insurance.

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 2020-07-10
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my  ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately

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 2020-11-23
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I pulled my credit report and seen this account claiming i owe the amount of {$1100.00} from this company named L J ROSS ASSOCIATES, i an not aware of this company or debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: AMERICAN EXPRESS COMPANY
State: NH
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:
I ordered a shipment from one of our suppliers and they messed it up. I placed the order in mid XXXX and received it a month later ( when I was told I'd get it within 2 weeks ). When I received the merchandise it was missing items we paid for, missing my companies logo that we paid for, and the pieces were different than what was advertised online. I reached out to the merchant many times with no reply back. I gave the vendor a month to reply back with nothing ( after I reached out multiple times ). I  then went to Amex to have them reverse the charges since XXXX XXXX was ignoring me. Amex initially reversed the charges with all the proof I provided but now is saying the merchant has submitted their proof ( which Amex is not sharing with me ).

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-27
Company: JPMORGAN CHASE & CO.
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: Was not notified of investigation status or results

Complaint:
I filed a complaint yesterday against JP Morgan Chase Bank, N.A., ( CCC ) - CFPB complaint number XXXX. Since yesterday, CCC has emailed me from a NO REPLAY address. CCC then emailed me from their Executive Offices with an independently verified dead link asking that I sign in to your account knowing full well I have never had an on-line account with CCC. Last night I did receive a voice mail dated Monday, XX/XX/XXXX from a XXXX at ( XXXX ) XXXX, ext. XXXX. I called her back yesterday, XX/XX/XXXX and left her a recorded voice mail response despite the phone queue stating the extension was not valid. The reason I could not call back before yesterday is that my SON WAS XXXX WITH XXXX on XX/XX/XXXX and Im at the XXXX XXXXXXXX XXXX XXXX XXXX every Monday for my sons XXXX!!! All of this is adding unspeakable emotional distress to that which I live with every day, not to mention countless hours of lost time. Again, CCC is still not available to speak with me and otherwise avoiding speaking with me. When I have to collect against my studio clients, ( and Ive had to engage collections Law Firms against XXXX, for example ), I show them the business ethics of extending every possible verbal request, literally hand delivering the invoices and every possible effort in addition. Under supervision and regulations : under current Federal Reserve Board Policy, JP Morgan Chase is expected to act as a source of financial strength to its bank subsidiaries and to commit resources to support the bank subsidiaries in circumstance where it might not do so absent such policy. However, because GLBA provides for functional regulation of financial holding company activities by various regulators., XXXX page three, bottom right. This is CCCs own commitment to the SEC. Why did CCCs subsidiary ( or CCC ) NOT hold to this commitment here? I want to know what entity I faxed my disputes to from the CCC Branch, their EIN number ( s ) and their physical addresses, ALL OF THEM. I already have JPMorgan Chase & Companys EIN number,XXXX ; its a start. The CFPB askes in its intake what category best describes the complaint offering 1 ) Investigation took more than 30 days, 2 ) Was not notified of investigation status or results, 3 ) Their investigation did not fix an error on your report, 4 ) Difficulty submitting a dispute or getting information about a dispute over the phone, 5 ) Problem with personal statement of dispute. ALL APPLY HERE!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: TRANSWORLD SYSTEMS INC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Transworld Sys Inc/XXXX at address XXXX XXXX XXXX XXXX XXXX, PA XXXX is reporting an account on my XXXX credit report in the amount of {$280.00}. I don't know this company. This company does not have a contract with my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$160.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$160.00} -This is not my account.

Company response to consumer: Closed with explanation