BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-15
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX payments of XXXX were never credited to my account. when i called to question they stated that they sent me back XXXX payment of XXXX when I NEVER requested this. My account is showing negative on my credit report and do not know where my money is at.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-08
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This was a medical debt of {$1700.00} that I owed to XXXX XXXX, XXXX   and collected by Transworld Systems , Inc. This debt was paid in full by check which was cashed on XX/XX/2020. Payment in full was acknowledged in writing by XXXX XXXX and Transworld Systems, Inc on XX/XX/2020. Since then, I have received monthly requests for payment of an additional {$350.00} despite the fact that I have mailed a response disputing the claim and a copy of the letter stating that the account had been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: ERC
State: MN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
To Whom it May Concern, This letter is a formal compliant that you are reporting and incomplete credit information 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 that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.I demand that the following accounts be verified or removed immediately : Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. Therefore, either provide the requested information or cease your collection efforts and reporting of this account on my credit reports immediately. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau and the Attorney Generals office

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: ARVEST BANK GROUP, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
my current mortgage for the last 10+ years has the interest rate of staggering 5.25 %. I have always been a responsible borrower and made all payments on time. But because of the recent COVID-19 Pandemic, i am financially impacted and its taking a big toll on my budget. I reviewed my financial statement and realized if i can get my interest rate lowered, I can try and bypass these tough financial times to avoid getting into deep XXXX. After calling several times and then finally on XX/XX/2020, In a written request to Arvest central mortgage bank, i requested mortgage relief by lowering my mortgage interest rate so I can continue to make my monthly mortgage payments.XXXX  XXXX then from the financing department contacted me advising me refinancing and offered me pay miserably over {$5000.00} in re-financing cost in order to reduce my monthly interest payment. I then realized they are trying to take advantage of my current misery unfortunately created by this deadly COVID-19 pandemic. and now I am starting this complaint process in the hope, I can get mortgage relief assistance because effort/feedback from Arvest Central mortgage bank has been ZERO with no signs of any help or assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: FIRST NATIONAL BANK OF OMAHA
State: KS
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Unexpected or other fees

Complaint:
Dear XXXX, On XX/XX/2021, I had my bank, First National Bank of Omaha located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX to send a international wire transfer to my sister XXXX XXXX XXXX  XXXX in XXXX, XXXX in the sum of {$1000.00} ( XXXX XXXX dollars ), I paid my bank a wire fee in the amount of {$25.00}, which I have no problem with that {$25.00} fee. 

However, the funds were never delivered to my sister for some odd reason my bank say with the XXXX code, but when my bank, First National Bank of Omaha put the funds back into my account, it was only in the amount of {$880.00}, which is {$110.00} less than my original amount of {$10000.00}. When I complained to my bank representative and to the president of my bank, they refused to refund me my full {$1000.00} claiming that XXXX had someway taken the missing {$110.00}, which I think is Unfair, since the funds was Never delivered to my XXXX  bank in XXXX, XXXX, so no service was rendered to me to account for my missing {$110.00}.

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 explanation
Consumer complaint received 2016-03-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
after giving me the run around for a couple of years I was able to get citizens bank to refinance my loan I have had with them for 11 years at 6.74 % they sent me a package with things they would need from me to close loan, XXXX thing was 30 days worth of check stubs.i imformed them that I had XXXX 2016 stubs and I have been on workmans comp since XXXX XXXX, 2016 for an XXXX that I exacerbated working. after i told them that they told me that they would not be able to refinance my mortgage because i was on XXXX i imformed them that me working does not pay the monthly mortgage on house in question. i was told it had to do with debt to income ratio, i imformed them with a refinance that would lower my debt to ratio from paying them {$260.00} a month with a refinance my payment would only be {$120.00} a month. also they doubled up my debts and listed them twice on application as to make it look like i had more debt than i did. they also failed to count income on a house i own outright, as well as having me pay taxes and insurance on houses that they know or should know are escrowed with monthly payments i have on those houses, in essence they had me paying XXXX taxes and XXXX insurances which in turn effected my income to debt ratio. the way i see it they will use any and everything to keep me from paying a lower rate on this mortgage and i think that is very wrong. basically more money in the banks pocket. also they wanted me to pay for appraisal fee out of my own pocket while they pick the appraisal company this seems like they are setting me up for a lowball appraisal that way they can deny me because appraisal came in to low. all houses so far that i have refinanced the appraisal fee was written into loan with other closing cost. i thought turning people down because they are XXXX was against the law

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-26
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:
Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$0.00}

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 2022-01-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.

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 2015-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I paid cash for a vehicle in 2013. There was a balance due when I left thedealership and was given x amount of days to pay the remainder off. I thoughtI had but there must have been a {$100.00} balance that was 2 weeks late. 
NOW I have this on my credit report and they REFUSE to help in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-31
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt already was submitted on my report as paid/ charge off I voluntarily made agreement to surrender vehicle XXXX XXXX years ago due to medical reasons XXXX failure going on XXXX and on a fix income social security and they agreed to. The vehicle was sold and majority of debt owed was paid this collection agency brought the loan and submitted a substantial amount owed that was incorrect company should have know rights to my private information nor submitting an inaccurate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-31
Company: Debt Recovery Solutions, LLC
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: Account information incorrect

Complaint:
I was contacted on in XXXX of this year 2019 by Debt Recovery Solutions , LLC saying I owe them {$310.00} and asked me how did I want to pay it. 

I asked them why I owed them {$310.00}. They said because I took out a payday loan from XXXX XXXX XXXXg 5 years ago and never paid back the loan. 

I asked them if they were XXXX XXXX XXXX? They said no, but now I owe them the money? I did not remember taking out a payday loan and requested a Validation of Debt letter and gave them my mailing address. 

I received a letter that was in the form of a bill with a 50 % OFF offer of {$150.00} and a web site address with payment information. I did not recieve a Validation of Debt Letter as requested. 

Same Company sent me a letter stating I owe them {$3100.00}. I called them and asked them to send a Validation of Debt letter, and to this day, nothing has been delivered validating this debt. I am afraid they will also report this debt as a collection on my credit reports as well. They said I owe XXXX XXXX and XXXX  XXXX XXXX, and they asked me to give them my credit card. I got upset and the guy told me not to be a XXXX about it and just pay what I owe. I hung up on them. They were very mean and rude. They told me to pay them and they would send the money to Debt Recovery Solutions , LLC Then all of a sudden I get a collection reported on my credit report by XXXX  XXXX XXXX so it appears, but the address is the same address listed on the Debt Recovery Solutions , LLC letter I received and same as on their website. 
XXXX XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. 

The stated on the phone that the debt was 5 years old, but on the credit report it states the account was opened inXX/XX/2019, this is fraudulent and unfair debt collection practices. 

False Reporting on my XX/XX/XXXXCredit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-22
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
On purchasing online through the Costco website there are multiple advertisements touting the benefits and extended warranty when purchasing using the Citi card. There are multiple enticements to apply immediately and no mention of not being able to utilize the card after being immediately approved. When I called in and spoke to XXXX I am told I will have to go to Costco to use my approval. When I asked for a solution to my problem of purchasing and completing the application online and not XXXX 's fictional issue of me being in the store she had none. I demanded she immediately close the account, which she refused. I was not able to use any of the benefits during the checkout process with nothing addressing this in the terms and conditions.

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 2022-07-26
Company: EQUIFAX, 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:
Despite all my efforts to have the accounts corrected and or updated, for I believe they are reporting erroneous information on my Credit File, the Credit Bureaus opted to ignore my written requests and not comply with the FCRA regulations. Upon reviewing my updated Credit Report, it is clear tha the Credit Burueas have done their best at nothin! I have read that the Credit Bureaus are required to verify the authenticity and valididy of the information that each account reports. The information reported are outdates, erroneous, and misleading. I am now submitting this complaint to protect my rights from the indefference of the Credit Bureaus. I need the following accounts corrected as soon as possible : XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22
Company: Experian Information Solutions Inc.
State: MD
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:
In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However Experian refused to provide me with my rights as a consumer a method of verification. I then recorded a call with Experian on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which Experian did not reinvestigate, they just sent me the previous investigations results. Experian has broken several FCRA violations. Experian did not submit nor forward any of my documentary proof to any furnisher because XXXX  technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell information to data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Experian NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights. Please show your documentary evidence since you have it and its verified otherwise 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishings knowing there are errors.

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 2017-01-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX ( Debt Collection Agency ) discharged a debt they claim I owed to them on behalf of a previous merchant on XX/XX/2016. I recently received a XXXX form from the IRS showing that this company discharged this debt on XX/XX/2016. In doing so, they charged it to me, whereas I must now report this onto my 2016 Tax returns. Furthermore, XXXX XXXX XXXX XXXX has continued to attempt to collect this throughout the year ( 2016 ). The latest written correspondence I received from this company attempting to collect a debt was on XX/XX/2016 ; nine ( 9 ) months after discharging it. This appears to be misleading, and undermining to their credibility as a business. They claim to have discharged this debt to the Internal Revenue Service, yet they are still trying to collect it months later. 

This is not the only time that XXXX XXXX XXXX has violated the FDPA. In fact, it seems they have a pattern of doing so.

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 2022-07-26
Company: EQUIFAX, INC.
State: CT
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:
It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. Here are the list of items to be disputed : XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX  XXXX, CT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX CT XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, CT XXXX DP OF EDUC XXXX Balance : {$6300.00} DP OF EDUC XXXX Balance : {$3100.00} XXXX XXXX Balance : {$0.00} XXXX/XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$760.00} XXXX XXXX XXXX Balance : {$490.00} XXXX ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$1400.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$890.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: Navient Solutions, LLC.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a total of XXXX phone calls from XXXX different phone numbers, all belonging to Navient Corporation, in the span of 10 minutes. The same happened to my co-signer. This is an attempt to collect a monthly payment toward my student loans. I am up to date on my payments, and made a total of {$700.00} worth of payments two weeks ago. It is the first of the month and the harassment begins again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
After paying my bill on time for over a year CareCredit ( Synchrony Bank ) applied {$700.00} in interest because I had not paid the entire balance within a certain amount of time. This is such a awful way to do business. I feel it was a sneak attack. When I called the manger XXXX at CareCredit was rude and talked to me like I was stupid. He told me it was the terms of my contract and I should have read the contact before agreeing to it. When a person is sick with pain and in need of CARE the last thing they are thinking about is a contract. That was my situation when I initially signed up for this service. Why not just get the money up front, Why hit someone after the fact with deferred interest. It is just cruel and a deceptive scheme hoping people wo n't read the fine print. They are predators. I will tell everyone I know Not to do business with such uncaring greedy people.

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 2022-07-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the Fair Credit Reporting Act, Account XXXX XXXX TX XXXX XXXX has violated my rights. 

15 U.S.C.1681 Section 602a states that I have a right to privacy.

15 U.S.C.1681 Section 604a Section 2 states a consumer reporting agency can not furnish any account information 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 non-monetary relief