BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-10
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Synchrony Bank decreased my credit limit with our notifying me. My credit limit was XXXX. On XX/XX/2020 I made a {$200.00} payment that left me a balance of {$650.00} with a little over {$1800.00} in available credit. On XX/XX/XXXX I login to my online account to make a early payment and noticed my available credit was - {$19.00} and my credit limit was decreased to {$640.00}. I received no notice from Synchrony that this  would happen and according to my payment history there is no way I should be in the negative. I have never missed a payment and my payment history is excellent and I have paid much higher than the monthly amount due. I really do not care if they decrease my credit limit but to do so then put me in the negative is a dissatisfaction and shows Synchrony cares nothing about their consumers. This type of mark will hit my credit report as if i have not paid on the account and that is just not true. 

Here 's is my payment history for the last six months Payments listed below have posted to your account. 
View Payment Activity for : XX/XX/2020Online Payment {$200.00} XX/XX/2020Online Payment {$200.00} XX/XX/2020 Online Payment {$200.00}XX/XX/2020 Online Payment {$200.00} XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$170.00}XX/XX/2020 Online Payment {$100.00} XX/XX/2020

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 2020-08-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I closed all 3 family Chase accounts in late XXXX of 2019. I also cancelled a mortgage re-fi with Chase.  The reason was that the local branch made an error and the employees and branch manager refused to correct the error. 

Chase, XXXXXXXX XXXX XXXXXXXX XXXX, XXXX, IL XXXX Now, more than a year later, I am receiving emails from Chase that come from no-reply accounts, there is no online contact form, and no way to contact them via any method, because all methods require an active account and account number. 

I am also receiving phone calls from Chase employees telling me we are on a recorded line. I tell them I have no account with Chase and hang up. 

I have verified that both the emails and the calls are coming from Chase, not spammers or phishers. The IPs of the email servers belong to Chase. The phone numbers are registered with Chase.

The latest email says Chase has received my request to change my email address. I made no such request ; I have no account or profile with them. 

Either Chase is harassing me, or there's someone in Chase using previously closed accounts to commit fraud. Much like the " secret '' accounts at XXXX XXXX. 

I want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: LEXISNEXIS
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I had applied for a loan with Cash Time Title Loans on XXXX XXXX, 2016 and this report came from a third party source and I have been identified as a victim of identity theft with a FTC Report and No. and also a Police Report. My credit report is suppose to be on a 7 year credit freeze however, XXXX XXXX went through a third party. This Credit Reporting Agency named LexisNexis Risk Solution Bureau LLC has listed me as : XXXX - Lien/Judgment record found, XXXX of sub-prime credit services solicited and XXXX XXXX Multiple SSNs reported with applicant. When I tried calling this number in XXXX GA no one would answer and it would just ring, Therefore I was told credit was offered at less than favorable terms. No one could and would give me any explanation. I feel this is an illegal and unethical fraudulent company that payday loans used on their clients and it 's unfair and needs to be investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-10
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
citi credit card charging money without proper information due to an update to the security system the company change my id and password. in that instant I could not enter or look at my account. to see charges transactions. 

I called XX/XX/2020, to citi-bank credit card to solve this issue but the options the gave me were change my information or cancel i did not want to change my information so the only option they gave me was to close the account. which i accept to close the account. 

I asked for an print statement to pay any debt. As XX/XX/XXXX I have not received the statement yet. I had been calling several time to see the status or to asked for a new statement to solved this problem, unfortunately I have not being able to solved. I have an email that showed my statement debt as {$480.00} but citi representative told me I own the bank {$670.00}. 

I have to called my personal bank to stop payments to citi since citi was getting the auto-payment on XXXX even though i cancel my credit card on XXXX. I have recording of phone-calls with them where they just hang the phone. they let me hanging for 30 to 45 minutes on the phone. even the keep my thank you points I was not able to used them. 

i refuse to pay anything without a final statement that has everything writing down to pay the correct amount and refuse to pay interest due to the incompetence of the company to provide me with the information that i solicited long time ago.

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 2022-01-27
Company: AES/PHEAA
State: TX
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 have been in public service since the beginning of the PSLF program. I currently show XXXX payments eligible and XXXX plus payments ineligible due to no bill due. During the earlier years instead of being placed on XXXX payment status the loan services would put me in forbearance status for financial hardship which should also count as payments. When calling I am not able to gain contact with a live person hold times are very long. The whole PSFL system is difficult to navigate. Now with the new waiver I may quailing for forgiveness but their is now clear information given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-10
Company: CONTRACT CALLERS INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is trying to collect {$110.00} from me for a debt they claim I owe. I have written them several letters since XX/XX/2016 demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

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 2020-08-10
Company: Experian Information Solutions Inc.
State: PA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Hello and hope all is well. Thank you for taking the time to review concerns regarding student loans and credit reporting. Being a XXXX XXXX  for the XXXX XXXX XXXX XXXX since XX/XX/2015. The Department of Education has not extended the possibility of loan forgiveness. Being a dedicated employee during this unforeseen and uncertain error in time, my life is at risk daily. COVID-19 has made a major impact within our departments along with my home. My XXXX   was XXXX with the XXXX. Being considered frontline and essential, i went above and beyond the necessities with preparing XXXX for delivery. 

Also, requesting reporting on all major credit profiles. Due to the number of inaccuracies with the same account number multiple times on the report. This is an area of repetitive reporting which is compromising creditworthiness and credit scores.

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 2022-01-27
Company: BMW Financial Services NA, LLC
State: NE
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Termination fees or other problem when ending the lease early

Complaint:
So I had a lease car with BMW. Before lease end, I found another bmw car I wanted at a different dealership than the initial leased dealership. I decided to buy.this next car instead of leasing. The new dealer agreed to pay the remaining balance on my lease ( XXXX payments ) to get me in new car. The leased car was returned to the new deslership, which I was assured was okay, that everything would be coordinated with old/original dealership. Well the payments were made but there was a termination fee that I was unaware of and was never taken care until I found out several months later. 

This had caused my credit score to decline by approximately XXXX points. That is severe to me for one and only late payment Ive had in 20+ years. While I take responsibility for actions, it was the mix up between the two dealerships that XXXX XXXX bearing on the payment not being taken care of. I did pay it immediately was bought to my attention. {$170.00} fee, not an actual payment, should not be held against and decrease my credit score XXXX points! 

Im attaching a copy of the payment I made to bring my account with BMW current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have been enrolled in PSLF since I graduated XXXX school in XX/XX/XXXX. I believe I was officially enrolled as of XX/XX/XXXX. I was initially with XXXX XXXX, then XXXX and now Fed Loans since XXXX. I have been having issues with my number of loan payments being reported inaccurately. I have not missed a single payment since I enrolled in PSLF. In fact I overpaid by accident about 2 yrs ago and it put me in " Paid Ahead '' status. I still continued to make monthly payments even though it said I owed XXXX dollars. I asked fed loans to do a manual count in XX/XX/XXXX. They responded back to me in XX/XX/XXXX stating that they corrected my counts but did not provide details of what exactly they corrected. They told me that they were going to provide me an excel file that shows all the payments that were counted but I still have not received that. They also sent me a letter in XX/XX/XXXX that showed how many payments were counted from each of the employers for whom I turned in the employment certification for. I did my 2 year fellowship at XXXX ( XXXX XXXX. XXXX XXXX ) at XXXX XXXX. The letter dated XX/XX/XXXX shows that ZERO payments are counted from when I was at XXXX XXXX, even though I turned in my employment certification. I asked Fed Loans to correct this but have not heard back from them still. I had initially used GL Advisors to help me enroll in PSLF in  XXXX. I learned from Fed loans that they did not turn in all the paperwork for all my loans at the same time. So I understand that the starting date of my loans might be off by few months, however I think they just completely missed 2 yrs worth of payments when i was in fellowship XX/XX/XXXX-XX/XX/XXXX, or else maybe when I was in paid ahead status, they did not count those payments, I am not sure. It has been extremely frustrating dealing with Fed Loans trying to get an accurate loan payment count. The last employment certification I turned in was in XX/XX/XXXX for my current employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-09
Company: TRANSUNION INTERMEDIATE 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:
I called trans union and ask about my hard inquiries and some of them where wrong and they would not remove them and was rude to me when I asked them to remove them then they wanted me to send out 6 different letters to them saying something about the creditors have to send them a letter when I should n't have to go through all this trouble to take something off my report that I did n't do and wait 2 months to get it done it 's total bs

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 2022-01-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
On XX/XX/XXXX I received an email from PayPal credit letting me know that the dispute filed mid-JXXXX XXXX was resolved on XX/XX/XXXX. And they asked me to take a satisfaction survey. 

In a letter from Synchrony Bank on XX/XX/XXXX the disputed amount of {$8700.00} will post a provision credit on my credit card and interest charges were going to be adjusted. 

On XX/XX/XXXX I received a letter from Synchrony Bank XXXX Customer Service XXXX ) regarding the dispute with XXXX. I answered their questions and provided documentation to support my claim. They informed me that they will investigate billing dispute and respond promptly. 

On XX/XX/XXXX I received another letter from Synchrony Bank saying they want to help me resolve the opened dispute claim. I received instructions to open a claim for the disputed amount. 

On XX/XX/XXXX I received a letter from Synchrony Bank saying they have concluded the research on my account and found it in my favor. The disputed amount of {$8700.00} will be show a credit on my account. 

It is now XX/XX/XXXX and NO CREDIT or REFUND was ever posted to my PayPal MasteXXXX Card with Synchrony Bank. When I call asking about it, I get transferred from Customer Service to Disputes to Fraud to Recovery and then back to Customer Service. I wasted over 25 hours on this issue. The consolation is that it's resolved in my favor. I just haven't seen the credit against my account. I would also accept a refund check if they choose this method. 

Synchrony Bank has all the documents necessary. 

I would prefer to see the refund applied to my current balance in PayPal Master Card. 
I can't wait any longer.

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 2022-01-27
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: Was not notified of investigation status or results

Complaint:
In XXXX of 2021, I filed a dispute with this credit bureau about unverified Collection XXXX XXXX. In those 2 months I have asked numerous times for a response and I have not received anything in response from this bureau in over 30 days. So now I'm contacting the cfpb to step in and help me get this issue resolved because I have not received a response from this company about this unverified account as of today. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-07
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
PROFESSIONAL ADJMNT CORP CLAIM I OWED THEM MONEY FOR MEDICAL BILLS FOR YEARS I 'VE REQU ESTED VALIDATION FOR YEARS NONE WAS PROVIDED FOR YEARS THIS ITEMS HAS AFFECTED MY CREDIT, FOR YEARS MY VALIDATION REQUEST WAS IGNORED

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I have been unable to view, start a dispute, change info. or anything else on my Transunion credit report, and this issue has been going on for close to XXXX months now. When I attempt to perform any respective action online, the website provides an error stating " We're unable to complete your request online. '' I have reached out to the company on a great many occasions to fix this issue ( XXXX instances ), both by phone and online ( with saved chat transcripts ). I have been told that Transunion is cognizant of the issue, and that someone will reach out to ameliorate the problem. The company continues to willfully ignore the problem to this day. I have spoken to several supervisors at the firm, notably " XXXX '' ( employee ID # XXXX ) and XXXX, these individuals acknowledged the problem yet absolutely nothing has been done to solve this issue. I have a legal right to access this credit report, dispute issues/inaccuracies on said report and be able to access this report online. Transunion is deliberately preventing me from doing so, and violating my rights. 
Transunion was contacted by my law firm via certified mail on XXXX XXXX XXXX to which they replied that they would rectify the matter, we have their response in writing. Shockingly, to this date, they have willfully done absolutely nothing. They are legally required to allow me access to my credit report and their continued and deliberate failure to do so is unacceptable. 
On numerous occasions, spanning from XXXX XXXX XXXX XXXX XXXX I have reached out to the company to fix this issue, both by phone and on their chat portal. Transunion responded in the past that they are unable to identify who I am and can not locate a report for me but they responded via writing to my law firm acknowledging exactly who I am and that they will fix this issue. They are lying and being dishonest to the CFPB. 
Additionally and concernedly, there were comments made to me by this firm that I felt were racially biased, and that is why they are treating me in this manner. They have not done anything to allow me to access my credit report and they are continuing to violate my rights.

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 2015-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I lost my job on XX/XX/XXXX, 2015 which was my last paycheck on XXXX XXXX, 2015. From XXXX/XXXX/2015 to XXXX/XXXX/2015 Bank of America continue to charge late fees even though it was clear no money was coming into the account. This has not been the XXXX time, that I have endured hardship because of Bank of America overdraft protection which I did not approve. The account should have just denied the transaction as no funds available. In addition, Bank of America allows debtors to resubmit and present transaction over and over again adding to the negative balance. Bank of American branches has take the position there is nothing they can do about reversing the excessive fees. I had to make a change to our account changing our Social Security check to a debit card because Bank of American systems knows money will be deposited and the behavior. Thus verifying that this is being done intentionally to build us excessive late fees. On XX/XX/XXXX, 2015, I will go to Bank of America to resolve this issue but I decided to file my compliant because they will be unwilling to remove the excessive late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery is trying to collect on a debt for Capital One and I have NEVER had a Capital One account. I do not owe this debt and have been fighting it for a long time. They have yet to prove to me that it is mine with any application or signed document. They are affecting my credit and financing.

Company response to consumer: Closed with explanation