BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was speaking to a manager named " XXXX '' he was ok to talk to and when I called to speak with him to pay it off as it was a pay to delete the woman on the other end of the phone who was the " manager '' on duty she told me to go XXXX myself and other prophanity they do not pay to delete. I was promised over a recorded line they would delete this and it would not affect my credit score.

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 2016-04-13
Company: AMERICAN EXPRESS COMPANY
State: CO
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I have been in a continued struggle with American Express Serve regarding a charge on my account. On XXXX XXXX a charge was placed on my account for the amount of {$200.00}. I was told by the merchant on XXXX XXXX that due to an issue with their billing system as well as several issues during my stay I would not be charged. I attempted to get the charge reversed and was even told by the assistant manager that she would reverse the charge but only the XXXX could process it. I was unable to resolve the issue directly so I then filed a dispute with American Express. I received an email asking for necessary information regarding my dispute which I provided as well as contacted American Express and explained the entire issue to a representative which I believe misfiled the dispute because then it was closed on XXXX XXXX because they said they did n't receive any info. I requested the dispute to be refiled and the dispute was n't refiled until a month later. During the entire process I spoke with numerous supervisors who on each call gave me a different story on my dispute but we 're all just excusses on why I was still waiting. I was also promised a provisional credit by American Express which was not honored. I then spoke to a representative and supervisor who told me that the merchant agreed to refund the charges which have not yet been refunded. Then today I spoke to a representative who told me that was also not true and that the dispute was still in progress even through it has been over three months since the charge was originally placed on my account. I also have all conversations with American Express recorded in compliance with my local state and federal laws when the representative promised a credit as well as being told that a refund was going to be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
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: Information belongs to someone else

Complaint:
I have no knowledge as to who the companies are or why they are even on my credit report i want them taken off my credit report period and permantly.

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 2015-04-23
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
The credit card company with J C Penny ran a credit check without my consent. As a result my credit line was reduced. I pay this company every month with no late fees and on time. I have been a loyal customer with this company for years. I considered this to be an unfair act toward myself. Please help in resolving this matter. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-20
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have a {$23000.00} Credit Card from the Navy Federal Credit Union. I am trying to pay off my credit card balance but every time I pay down on my credit card and pay more than the minimum payment without using it for months my monthly payments increases. I have spoken to bank agent but I could not understand what he was saying about how the credit card fees is applied. All I do know is when someone is paying down there credit card debt and paying more than the minimum payments each month without using the credit card the monthly payments gets lower each month. In my case my monthly payments gets higher each month. Even if I don't use it and pay down my debt. I believe that there is something wrong with situation. Can You Help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I transferred a credit balance from an American Express business card to an American Express personal card. Unfortunately, since the credit balance exceeded the balance on the personal card, American Express unilaterally decided to issue a check for the difference of {$86.00}. This check was first issued on XX/XX/2016 but never arrived. I contacted American Express and XX/XX/2016 the check was resent, however this check too has not arrived. I contacted American Express on XX/XX/XXXX to check on the status of the check, and they again reissued it without asking my permission. This means that if the XX/XX/XXXX check arrives, it will be voided, and I will not be able to cash it. However, after 18 days, it is unlikely that it will arrive. American Express has also stated that they have sent email messages, however I have not received those either. The likelihood that both American Express ' XXXX mailed checks and emails all were undeliverable is very low. Therefore, I believe that American Express is not doing as it says, whether due to system difficulty or negligence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-25
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I entered into a contract with a kitchen co. to design, fabricate and install a new kitchen in a XXXX apt XXXX in XXXX Prior to kitchen delivery, the co. forced me to pay the balance of {$11000.00}, or delivery and installation would not be done. My wife and I had a 2 month old infant without a kitchen, so I reluctantly agreed, and payed with my American Express card, affording me the opportunity to have protection in case of any problems. 

After the delivery and installation of the kitchen, I observed shoddy workmanship and poor material quality. I notified the company, and they made half hearted attempts to correct the problems. The kitchen is not completed, filled with outstanding issues, as per the contractor 's own punchlist, and contractor has ignored my requests. 

I subsequently discovered that he is not licensed by the XXXX, or as required by the XXXX rules, to perform any kitchen work. 

I immediately notified American Express, submitting documentation of the unfinished kitchen, no license, etc. To my astonishment, after receiving and " reviewing '' my documents, Amex has payed the contractor, and refused to issue me a credit. I have written and submitted my documentation to the president of American Express, who delegated my problem to a low level employee XXXX, who declined my request. 

Rules, including licensing requirements, are mandatory and to be followed and adhered to, by all contractors. Amex 's weak response is unacceptable in light of the overwhelming evidence, including an incomplete and flawed kitchen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
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:
I submitted a dispute XX/XX/XXXX at XXXX. At XXXX same day, I received an email that my dispute has been updated. How can there be an investigation that quick? Most companies arent even open until best case scenario XXXX. There are errors on my credit report that should be removed.

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 2016-02-02
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX/XXXX/XXXX American Express XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX Dear American Express, RE : American Express XXXX XXXX Card XXXX XXXX XXXX American Express XXXX XXXX XXXX Card XXXX XXXX XXXX I am member since XXXX and enjoying membership benefit almost 12 years. 
But last 12 years I did n't get any credit line increase. 
If possible to consider my membership 12 years and grant Higher credit Lines XXXX accounts. 
If need more information contact me on XXXX XXXX XXXX XXXX XXXX Thanks. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-28
Company: CITIBANK, N.A.
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
CitiMortgage said " They would give me a Harp loan if I stop making payments on XXXX loan for a 3 month trial period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-01
Company: Bull City Financial Solutions, Inc
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hello, my name is XXXX XXXX, I have been having problems with this collection agency for some time now I have been contacted by the debt collection agency by the name of " XXXX XXXX XXXX XXXX '' located in NC since the debt went into collection, they were charging me a bigger amount than the original creditor. The debt that they are claiming to be mines is not valid and it doesn't belong to me and is invalid. On XX/XX/XXXX I sent out a debt validation letter to the collection 's agency stating that provide me with valid information showing that the debt was mines, I mailed it to the company by certified mail to make sure the company received the letter and they never reached back out to me to show proof that the debt was mine and that the debt is valid. I have proof of the letter and the date the letter was sent and received by the company I gave them a 30-day validation for the debt, and I still haven't heard anything back from the collection agency, so the debt is not valid, and it's not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
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: Investigation took more than 30 days

Complaint:
I had several accounts that I found to be Inaccurate accounts on my credit report and I have disputed these accounts with Equifax on several occasions and the keep sending back as verified even after I have sent proof. The guidelines also states that if a company cant verify an account in 30 days that those accounts also has to removed and Ive sent verification of this as well as Police Reports and nothing is getting done. I also had a Tax Lien listed on my credit file that I disputed that Equifax is saying is Verified but the IRS has no knowledge of this and this document will also be attached. I started this process with Equifax around  XXXX   2017 .

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Issue: Other

Complaint:
For months, BOA had been calling and I inform them to stop calling. they stop for a while. When I got out the hospital BOA continued the harassing calls to my house through XXXX card services.This is my XXXX complaint to CFPB to stop them from harassing calls however they continue to call constantly. 

BOA deceptive and abusive practices against XXXX and XXXX especially to money that a consumer do n't owe.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: Navient Solutions, LLC.
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My daughter had numerous loans from Navient. My father ( XXXX ) co-signed for the loans. She became in default and they contacted the co-signer. Over 1 year of phone calls, he finally accepted to speak with them ( Included in the call was myself and my daughter ). They were willing to waive all penalties and interest if he paid XXXX, XXXX by XXXX XXXX, 2016. He withdrew all saving funds and paid cash. Per Navient we were advised we will receive a paid in full letter within 30 days. After numerous phone calls no letter was received. When we did receive a letter the amount posted was XXXX. I called again. I have reported them to the XXXX and have not received any results. I was told all Navient loans my father co-signed have been paid. My daughter has XXXX outstanding loan with Navient. Because they received payment from him before, the calls have started again- daily. I want a letter from Navient stating the full amount has been paid and to stop the harassing phone calls. I am my father 's XXXX and this is unbelievable stress on him and the family. The school my daughter was attending is the Univ XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Santander Consumer USA Holdings Inc.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have sent several requests to Santander per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: Santander Consumer USA Holdings Inc.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My high interest auto loan has not decreased in principal according to amortization schedule. Lender has continuously placed 93 % of payments made between XX/XX/XXXX to present to interest. Auto was repossessed in XX/XX/XXXX, after I was behind 3 months. I recovered the car, and applied for a TRIPP ( temporary reduction in principal payment ). I was told I qualified, and awaited for a call from the lender. After the lender did not contact me, I reached out and was told the TRIPP was never processed, but I was no longer eligible for it. I have repeatedly tried working with the lender to lower the payment, but have been told the Lender does not refinance its loans, and there are no other options. In addition, I was not offered an option to buy a two-day sales cancellation option by the dealership when the car was purchased, and instead was told California does not offer a cooling period, and asked to sign on the contract that they 'd explained it to me. This auto loan is impacting me financially to where I can not meet other obligations, and my only options are to allow the lender to repossess the car, or declare bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-23
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
My Mortgage was sold to fay services from XXXX bankThey have had it messed up from day one first the did not have my escrow payment info said they did not get it from XXXXthen they said my payment was late in the amount of XXXX dollars not XXXX and i owed XXXX of those payment ( wrong again ) I sent them XXXX payment for correct amount girl gave me but she says she can not post until escrow is straighten out that she admitted they have XXXX upThis is going on two weeks now and i am not getting phone calls returned have requested a Supervisor to call me but no action on there partI am in the middle of a refi with another property and am going to lose my refi if i do not show my payment paid in full they refuse to do this return calls because you always get a recording when you do get thru every one is to busy to talk to youI have never dealt with a company this bad in my life0 cutomer serviceMy Credit is getting ding aswellPlease help mealso sending this to my congressman

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-29
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I first met with a Chase banking agent and explained that I had experienced a scam. I gave him a spreadsheet of the list of money mules whom I was instructed to send funding to in order to recover my initial monetary losses. 

The banking agent was sympathetic to my story and kept the spreadsheet of money mules, most of whom were customers of the same bank. But after checking with his XXXX I was told to contact the Fraud division of the Bank by calling a number that was given to me ( XXXX ) XXXX. 

I spoke to the first agent, described what had happened to me ( like I did with the bank agent ) and was told to speak to another department. After I spoke to that agent and went through the same story, I was told to speak to yet another agent. 

The third and final agent said that they could only help if my account had been compromised by an outsider. She could not assist me at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a auto XXXX/XXXX/XXXX Santander is the lender for a little over {$12000.00} after taxes and interest. I have missed a few payments and have been late, however I asked for pay off amount XXXX/XXXX/XXXX and was told I owe {$13000.00} because of interest fees and late fees. I do n't understand how I can owe more than what the loan was for, Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have been spending years trying to clear up identity theft and experian will not send proof nor the collection company of a judgment I am unaware of and XXXX collection accounts they simply say " account meets federal guidelines '' Experian is violating the FCRA for not disclosing reasons why they will not remove. Accounts that have been paid by the state throught the Victums fund for example.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-23
Company: Synovus Bank
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I filed for Chapter XXXX Bankruptcy on XXXX XXXX, XXXX. All accounts included in that bankruptcy and the public record were removed from my credit reports except for Columbus Bank and Trust ( CB & T ) on my XXXX report. On my XXXX XXXX, XXXX XXXX report this account reported correctly that it was " Discharged through Bankruptcy Chapter XXXX '', " This account is scheduled to continue on record until XXXX XXXX '', and " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX ''. The data on subsequent reports on XXXX XXXX, XXXX ; XXXX XXXX, XXXX ; and XXXX XXXX, XXXX each erroneously updated this account. XXXX XXXX, XXXX report changed to " Debt included in Chapter XXXX Bankruptcy on XXXX XXXX, XXXX '' and " This account is continue on record until XXXX XXXX ''. The XXXX XXXX, XXXX report indicated " Account Charged Off. $ $ $ $ $ $ written off ''. I disputed the item with XXXX, who instead of removing the account now has updated it to " Discharged through Bankruptcy Chapter XXXX Never late. '' and " This account is scheduled to continue on record until XXXX XXXX. '' I proceeded to dispute this again via certified mail, but XXXX still did not remove the account. I can only assume that CB & T is saying their information is correct when it is not. CB & T needs to have XXXX remove this account from my report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: Santander Consumer USA Holdings Inc.
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have a car loan XXXX account # XXXX XXXX through Chrysler Capital. I 've noticed that every time I give a payment, they charge me a fee of {$2.00}. When I first financed my loan I was not given any information to me paying extra fees to pay my already financed vehicle. I 've taken the liberty to copy/paste the disclaimer I have to accept to if I want to make a payment online. 
" Chrysler Capital uses another company, XXXX, to provide money transfer payment services for its customers. If you choose to make a one-time payment using XXXX, you will be sent to a XXXX secure website. Chrysler Capital and XXXX will share your information to complete the transaction and process your payment. XXXX will charge you a money transfer fee in the amount of {$2.00}. XXXX is not involved in the collection of your account. A single payment may not be greater than {$2000.00}, plus the XXXX transfer fee. You may make multiple payments if necessary ''.

Company response to consumer: Closed with explanation