BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Went shopping for a mattress, and I asked about the 0 % APR financing the store was advertising. The employee said, let me check to see if you 'd be qualified. He asked me for some info, and before I knew it, I had a new credit card I did not sign up for! I even kept asking him if this would show up on my credit report and that it better not be a credit card. He kept insisting it was a soft pull and We do n't use this as a credit card. The employee was either extremely ignorant or flat out lying to me. Worse of all, I did n't even need to finance the purchase and ended up paying for the {$700.00} mattress outright. 

I called the bank Synchrony immediately to try to prevent the application from going through. They said there was no way they could do that, and that I would have to call back in 48-72 hours to cancel the account AFTER it had been posted. I have since cancelled the card with Synchrony in the 48-72 hour timeframe. 

I never signed anything and never gave permission to open a credit card. The employee never got my approval, and I was not only misled, but flat out lied to as he kept insisting it was not a credit card. This is identity theft as he applied for a credit card on my behalf without me knowing. 

A few days later, sure enough it showed up on my XXXX credit report as a new credit card account. I would like to have this be wiped off of my credit reports ( XXXX, XXXX, etc ) entirely without any record of it existing.

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 2017-02-09
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have been out of school for quite some time. At the time, my father was handling my loans, and he did not understand what he was doing. He had access to my social security, and my only job was to go to college. He was n't given correct information, and they also over borrowed and gave him more than what my school actually cost. He truly believed he was helping me by taking on such risky loans, and I received over XXXX calls to switch my loan servicing company until I was scammed into what I am paying right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: EQUIFAX, INC.
State: OK
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:
XXXX & both Equifax has my wrong birth date. Equifax has XX/XX/XXXX when my real birthdate is XX/XX/XXXX. I have certified mail both equifax & XXXX on XX/XX/XXXX a copy of my id, social. I have asked them both multiple times to update my birthdate. XXXX just have my birthdate at XXXX when thats not a full birth date it should be XX/XX/XXXX in the right birth date format. I have disputing these things over the phone, online through their dispute system & also mail. And my information is still wrong & not updated to the right birth date please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: PENTAGON FEDERAL CREDIT UNION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
PENTAGON FCU is reporting on my personal credit file. I requested an investigation and the removal of the charge-off status. No changes were made. No investigation was conducted at all. You had optimal time to review this matter and make the appropriate corrections. 

( PENTAGON FCU 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 2022-01-31
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: Information belongs to someone else

Complaint:
Hi, My name is XXXX XXXX. I live at XXXX XXXX XXXX XXXX PA XXXX. I am contacting the bureaus Equifax today to have the following negative items disputed from my credit report. The negative items are impacting my score tremendously and I ask that they be deleted from my report. The items I need removed are listed in the report attached. I have notified the companies that I did not make these charges and that they are fraudulent. I reported the theft of my identity to the Federal Trade Commission and I also attached copies of the federal trade commissions identity theft affidavit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
After receiving several threatening phone calls from XXXX collection agency, I gave them bank information via email. They proceeded to collect on a debt which was previously paid. When I contacted the banks ( Bank of America and XXXX ), I provided the previous payment information, including a forgiveness of debt statement from the IRS. I let the banks know I was being called and threatened with arrest even though the bill was in dispute. Based on my email, those banks paid the collection agency. Now they are harassing me on the phone, they know I am XXXX and lost my job.

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 2022-01-31
Company: SYNCHRONY FINANCIAL
State: TN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX SYNCHRONY BANK XXXX XX/XX/2021 {$440.00} XXXX SYNCH-XXXX**** XX/XX/2021 {$440.00}

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 2015-08-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I used a Bank of America, XXXX card XXXX months ago to purchase a plane ticket, reserve a rental car, and to reserve a hotel room XXXX. The following day I was told my card was used for fraud and they cancelled my card and would sent a replacement in XXXX days. After XXXX month I contacted them and said I had not rec 'd the cards. They then told me I had to call. I am presently in the XXXX and my address is in XXXX. The first person I spoke to said he would send the cards overnight to me in the XXXX. It was a Collect call, but I ran out of time before I gave him the address here. When I called back I spoke to XXXX different people, with each it got worse. Now they said I have to call their Credit Dept., by now I have spent more than {$100.00} on phone calls. I tried their message center, that is worse, I keep getting a form letter and told to call. Now I asked for my monthly payment amount and balance, because it looks like I 'm not getting a card. I still get no answers to my questions.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-08
Company: Experian Information Solutions 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:
I have contacted Experian on several attempts about these accounts and inquiries placed on my credit file. These accounts and inquiries are not accurate information .. All the inquiries are unauthorized. The accounts that dont belong to me are XXXX XXXX XXXX XXXX These accounts are fraudulent as I was a victim of identity theft

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 2017-10-08
Company: AES/PHEAA
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I am having a huge problem with them allowing me to pay down my unsubsidized loan. They wont allow on line payment, credit card payment or phone payment. I was instructed the only way was to mail a letter with a check and I was told to state to place at pay ahead status and for my sequence XXXX loan only to indicate which loan I was paying off. They told me this was the only way to pay off this loan of {$3300.00}. They did not do this and and only applied $ XXXX to the the loan. I used a check from my credit card company as the plan was to pay my credit card back as I wouldnt need to deal with the constant manipulation and unethical practices of this American Education Services. The previous month they put a payment in " suspension '' and I had to fight for a half a dy to get a refund. They also made me " prove '' I sent a check even though they acknowledged it was there. They are playing games and they tell me how to pay this loan off and then change the rules when you do it that way. They are operating in fraudlent manner and making it harder and harder to pay off loans. This unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-31
Company: HW Holding, Inc
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Excessive fees

Complaint:
Hi my name is XXXX XXXX and I was living in XXXX XXXX XXXX and I had to leave because I couldn't afford it anymore at the time because of work issues. When I left I cleaned up the apartment and left in good terms with them other then that i was behind 3 months of rent, which with the late fees came to around XXXX XXXX it is in collection right now with hunter Warfield for around XXXX XXXX. It's unfair for them to add that much it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-27
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
Midland Funding LLC sent me a summons of an alleged debt that I never obtained. I was given a summons to appear in court on  XXXX   XXXX ,  XXXX  in which I went to file a notice to appear. I had no days off of work to attend the actual court so I call ed Midland Funding and  stated that I did not own the debt and how could this be resolved. It was stated to me that I must agree to make a payment in order to have the case dismissed in which I did because it was stated to me that my bank account or wages would be garnished if I failed to do so.     In their summons and my previous complaint it was stated by them that the dates were in fact true and that they made no mistake nor did they falsify any documents. I have attached the entire summons report along with portions of the summons tat have been either falsified and/or altered. If you take a look at their Bill of Sale dates specifically in Exhibit B, you will see that the agreement between  XXXX  an d Midland Funding agreed  to a sale of accounts on  XXXX   XXXX ,  XXXX . Then take a look at the last page of the summons and you will see that the alleged account was not charged off until  XXXX ,  XXXX  of  XXXX  .There is no  way that this could be true. To go long with that on the very same page the the origination of the alleged account with  XXXX   XXXX  was  XXXX   XXXX   XXXX  with a payment date of  XXXX   XXXX   XXXX  that myself or banking institution has any record of.     If this an is an alleged account it would still be within the billing cycle because the card would have just been issued so at what point would a consumer default? So basically t heir Bill of Sale i s that of a date when the alleged account would be still current, therefore this is fraud and that is not good business practice. I have attached the summons which is also court documents. i also received a response from  XXXX   XXXX  stating that they were unable to locate any past or present accounts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-25
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, 2015 I booked a move with a company that I discovered had fraudulently claimed to be XXXX XXXX XXXX and was instead a broker. They failed to disclose the cancellation terms but I ultimately found them and cancelled the contract within HOURS of the charge to my Citi credit card. Initially Citi credited the amount but when the company responded with fraudulent documentation ruled the charge " valid '' but never informed me. It was n't until the card was declined on XXXX/XXXX/2015 and I logged in I discovered they had reversed the credit based on the false documents but had never informed me as the consumer holder of the card. It was n't until I complained they never notified me that Citi sent partial documentation to me of their alleged " investigation '' of my dispute. On XXXX XXXX, 2015 I filed a second response to the original dispute and called Citi the next day to confirm receipt. I was assured they would resolve it before the balance reported again which did NOT happen. To date I have heard NOTHING regarding this dispute. I used their secure message feature and got a canned " we are working to resolve your dispute response '' but now Citi has reported 117 % of my balance and the dispute as resolved though consumer disagrees to the bureaus which has destroyed my credit score. All attempts at contact with Citi are not returned and the investigator assigned to the case is now out on leave from the beginning of XXXX until XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-14
Company: U.S. BANCORP
State: AR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told that the mortgage is a Daily Simple Interest Loan which means there is no set late fee but rather every day they do n't receive the payment is another day of interest. I 've noticed that the payment is not processed in a timely matter at all and I 've mentioned it to U.S. Bank Mortgage but they do n't want to listen to me. For instance, I mailed the mortgage payment on XXXX XXXX, 2017. Today is XXXX XXXX and the payment has n't been processed yet. The payment was past due on XXXX XXXX. This has gone on for several months costing me and my fianc a lot of money in interest while not paying the principal down. My fianc and I can not be at the whim of the bank 's processing department. It is my assumption and claim that the payment is in a processing bin at the bank with hundreds of other unopened payments and the longer it stays there the more interest the bank makes. They are in no hurry to process the payment. My fianc and I are going to schedule a meeting with a local bank rep to talk about this. I would like to set up an automatic ACH payment but we like to send in a variable extra principal payment and not a recurring amount. Thanks for your assistance.

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 2017-04-27
Company: EQUIFAX, INC.
State: AL
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:
Requested on  XXXX ,  XXXX ,    2016 verification method FCRA, section 611 ( a ) and ( 7 ) letter to  XXXX . never received requested information from  XXXX .  XXXX  is still reporting on inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I signed up for the Bank of America  Fundamentals Business ch ecking account with a promotion of {$200.00} after terms were met. I confirm that the terms were met, but Bank of America only award me {$100.00} for this effort. When I inquired why, they mentioned that merchants services needed to be used to get the full {$200.00}. This is not mentioned anywhere in the terms, which you will find attached. When I pointed this out, customer service disconnected the call.

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 2022-01-31
Company: Source Receivables Management LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im unsure of the information being used for this account but I have talked with the collectors verifying this information does not belong to me and have asked multiple times for them to stop contacting me the information they have on record doesnt not match my information such as date of birth social any of that they are continually putting this charge on my credit after it has already been disputed for the same information and I If i was to get and account through this lender when this account was open it wouldnt have worked because when account was opened I was still a minor and under age so couldnt posess an 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 2022-01-31
Company: EQUIFAX, INC.
State: IN
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I 'm having difficulties with Navient, they do not show you the actual monthly amount owed on their payment portal for each loan, instead they bundle their crazy late fee 's together with the monthly payment making it impossible to see what is the breakdown of what you the actual minimum amount owed per month versus the crazy ( should be illegal ) late fees. In XXXX 2017 my payments changed, I was not provided any monthly statement showing what the actual payments would be. I contacted them, was given my new payment amounts over the phone and I made those payments. Apparently because I was off by {$1.00} they did n't notify me and they simply add the late fees to keep charging money. For the last three months they have been changing my minimum amount owed causing me to call in to get the actual payment amount because they do n't provide detailed statements. When asked why I do n't get monthly statements i am told they are being sent to my mailing address - the address is correct but they do not make it to my house. Every time i ask customer service what 's going on and how to fix it they tell me they are unable to help me. They are also unable to help me with the customer portal " because they do n't use it ''. My email was incorrect last time I called again ( they already had my email correct before ) and had to be corrected again. For some disturbing reason they do not show their late fees on the online statement, only the amount owed on the actual loan. As of X/XX/17, I have late fee 's going back to the beginning of the loan when i missed a few months, in the amount of {$660.00} + {$920.00} on two loans ( late fee 's alone ). It should be legally required that these providers demonstrate every month a breakdown of all the fee 's they are charging, instead of just stealing money because they have a government backing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-01
Company: EQUIFAX, INC.
State: VA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit ReportingAct law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation