BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-27
Company: Chime Financial Inc
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have been a Chime member for over three years. I have had nothing but a positive experience until XX/XX/XXXX, when my account was hacked, and money was stolen from me. I had previously heard of other members experiencing fraud through Chime, but I refused to accept it. On XX/XX/XXXX, I received a notification from Chime indicating that my app had been accessed from a new location, and a new device. Immediately following that notification, I received another one stating that a transfer in the amount of {$360.00} was made to XXXX. I tried logging into my app shortly after, in hopes of figuring out what had transpired, only to see that I had been completely logged out of my app, and the password was reset, preventing me from logging back in. After this unauthorized transaction and failure to log into the app, I contacted Chime by phone in hopes of having the matter resolved quickly. Instead, I was met with customer service agents who went through the motions of investigating my case. These agents submitted a dispute of the transaction, and in less than 24 hours provided an update indicating, Based on our investigation, we have concluded no error occurred. Therefore, no funds will be credited to your account and this claim is considered closed. Despite providing several screenshots of proof that I did not authorize any payments to any person, and proof that my account was accessed from a different location and device, Chime customer service failed to help me. In all of the years that I have used Chime, I had only used the Pay Friends feature, to make transfers between my fathers account and myself, therefore it is impossible that I would have made any transfers to other individuals. I am still arguing with them in hopes that they will return my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Convergent Resources, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I did have a XXXX account quite some time ago ... maybe 3 or 4 years ago but the amount being reported on my credit is inaccurate and I asked about it several times but ca n't get the amount verified fully.

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 2015-05-14
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I owned a house in XXXX, MN. There was a major flood in XXXX and the house was destroyed. There was no flood insurance but there was PMI. I initially contacted XXXX ( my original mortgager ) and tried to do a deed in lieu of foreclosure. They denied this and sold my debt to a debt collector. It is currently with Select Portfolio Servicing , Inc, who has agreed to do a short sale with the city of XXXX, who has offered to purchase the property in a community development drive. Since Select Portfolio 's agreement to do a short sale, I have - at their request - provided them with bank statements, financial statements, copies of my XXXX, agreement letters from the city of XXXX, etc. Each time I send the information, they say there is something missing, or a date needs to be changed, or whatever else they can come up with. I provide the corrected info and they ask for it again and state that they did n't get it all together in time. I continue to provide what they ask for, but the end result continues to be that they run out of the allotted time amount and I need to start all over again. I have had everything they requested turned in on time but they say they always run out of time. I do not know how to get them to follow up on the sale and am very frustrated. The city of XXXX and the closing company involved with this have been very good to work with over this 3 year debacle but I am at my wits ' end. If there is anything you can do to assist, I would be very appreciative. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: SUNCOAST CREDIT UNION
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
These accounts were created without my consent. I did not authorize any of these transactions. 

XXXX XXXX  Balance {$1100.00} opened XX/XX/XXXX / XXXX/XXXX  Balance {$4500.00} opened XX/XX/XXXX SUNCST CU Balance {$2000.00} opened XX/XX/XXXX XXXX ( Original Creditor 11 XXXX  ) XXXX opened XX/XX/XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) {$1300.00} opened XX/XX/XXXX XXXX XXXX ( Original Creditor : 01 XXXX XXXX ) Balance {$230.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$1100.00} XX/XX/XXXX ( Original Creditor : XXXX XXXX ) Balance {$10000.00} XX/XX/XXXX XXXX XXXX XXXX  Balance {$34000.00} XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a Paypal issued credit card through Synchrony Bank. I have had the card longer than the 6 month trial period, so when I make a payment through their website, the user agreement states it will be applied within 2 business days. Synchrony does not apply my payments -- they state they are " large payments '' ( {$2000.00} ) and therefore subject to holds. This is not in the user agreement. The user agreement states the following for online payments : " Your Payment will be credited to your Card Account on the day when you make it, but may not be displayed on your Card Account for up to 48 hours. Subject to our receipt of funds from your payment, your available credit will be updated within two business days of the Payment Date. '' Every time I make a payment in the {$2000.00} range, they continue to hold that payment for what can be a week or more, not applying it to my balance. This is a business credit card, and I need my funds to run my business. I have to continuously call to get the funds released. They do not seem to have any right or permission to NOT apply these payments within 2 business days. I am requesting the CFPB contact Synchrony Bank to let them know they are breaking their user agreement and to stop putting holds on payments. 

Also, my credit limit is {$3500.00}, so making a {$2000.00} payment should not be suspicious or a large amount that has to be held. They are using my funds to accumulate interest. This is in their interests, not mine, and breaks their user agreement.

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 2022-08-27
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
In accordance with the Fair Credit Reporting act XXXXt Account XXXX XXXX XXXXXXXX XXXX XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 Section 611 Section 5 ( A ) ( i ) states any information disputed by a consumer that can not be verified or found inaccurate will be promptly deleted. The balance reported is inaccurate the original amount is {$1900.00}.

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 2022-08-28
Company: Affirm 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:
On or around XXXX I reach out to a company name Affirmn I expliened to this loan Company that services was never rebdered by the merchant infact later this year a police Report was filied case # XXXX was filed I also sumbmittied this evidene to Affrimn In former complaint with the XXXX XXXX XXXX complaint # XXXX yet this XXXX still reporting negative in dilquent to all credit agencies which is a volation Of 15 U.S.C. 1681 Section 602A states I have a right to privacy. / 15 U.S.C 1681 section 604 A- Section 2 it also states a consumer reporting agency can not furnish a account with out my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
GC SERVICES COLLECTION AGENCY is calling my phone way too much, from several different numbers, after I sent a letter in writing asking that they verify the debt they say I owe. It 's pure harassment. I wo n't talk to them until they can prove this debt is actually mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: Experian Information Solutions Inc.
State: NJ
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 just received another can letter from Experian company stating that you already verified the account listed below. 
Chapter XXXX Bankruptcy XXXX You know, Im tired of sending letter after letter to Experian company. Ive wasted a lot time trying to get this matter resolved ; yet you still will not conduct a proper investigation into my account. When your back is up against the wall, and you have nowhere to go? Well Im contacting a consumer rights attorney who specializes in suing creditors collection agencies and credit bureaus. If you choose to send me another can letter and do nothing, I ll explore all legal options and fire complaints with the following agencies : The ball is in your court.

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 2022-08-27
Company: BAM Management US Holdings Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was scammed by Fraudulent companies : XXXX and XXXX. 
They assured me that i would make a profit if I made investments through BINANCE. 
I sent them around XXXX XXXX and never made a single XXXX. I would like to point out that Binance failed me and failed to determine and realize that these transactions were made under false pretenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
I am a XXXX  and when I do a service for someone they pay me in the form of a check. I received a check for a service I did for a company. They paid me with a wells Fargo business account check. I also bank with Wells Fargo and I did a mobile deposit to cash this check into my Wells Fargo personal account. For tax purposes I am told to keep these checks for tax time, so I kept it like I was told to do. A month after I deposited this {$500.00} check into my account I get a letter from Wells Fargo stating the following : " The check you deposited via your mobile device, confirmation # XXXX for {$500.00}, was deposited twice. You made a deposit on XX/XX/2021 and the same check was deposited at XXXX XXXX XXXX on XX/XX/2021. We deducted {$500.00} from your account ending with XXXX. '' My issue with this is they took the {$500.00} out of my account and transferred it to the XXXX XXXX XXXX account that is not mine and have nothing to do with. XXXX XXXX  XXXX excepted a fraudulent check that was altered and had an unauthorized signature on it and then Wells Fargo took it from my account instead of the check holders account. This business check account number ends with XXXX. The check should of come out of this account not mine. Wells Fargo took {$500.00} that was not theirs to take and they are not refunding my money.

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 2016-04-07
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have made two payments in the last month that are not reflected in my loan and loan 's history. I have made several complaints to my loan service provider, but with little avail, I have requested documents to assure my payments have been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: LoanCare, LLC
State: WA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In 2011 we assumed a loan from Loan Care for our current home. This was a seller financed home and the loan was being serviced by Loan Care. It was required of us that we seek our own financing. They wanted us to find financing quickly, however shortly after moving in my husband was diagnosed with XXXX and our focused turned to his treatment. I recently got a refinance and paid the loan off. When the lender requested a pay off it was noted that there was a XXXX XXXX early payoff penalty that was never disclosed to us. We never received a promissory note. Only an addendum noting that we assumed the loan. I have done much research and found out this is illegal. I am requesting that we get that money back since it was included in our payoff total. Owner name XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Here is the letter i sent it to the bank through a lawyer : VIA FACSIMILE AND U.S. MAIL Fax No. : XXXX Capital One Attn. : Card Dispute Team XXXX. XXXX XXXX XXXX. XXXX, MN XXXX Re : XXXX XXXX Transactions Reversal Demand Bank Account No. : XXXX Our File No. : XXXX To Whom It May Concern : Please be advised that we have consulted with XXXX XXXX XXXX regarding his claim on the above referenced account. 

XXXX XXXX has informed us that he received a summary denial from your representative on the disputed transactions listed below. Those transactions were not XXXX XXXX 's as his card was compromised. XXXX XXXX has authorized this law firm to demand that your entity follow the appropriate MasterCard and FDIC guidelines in investigating these disputed transactions. More importantly, XXXX XXXX demands for immediate retroactive credits for these charges. 

XX/XX/2016 - {$37.00} - XXXX XX/XX/2016 - {$190.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XXXX XXXX XX/XX/XXXX - {$79.00} - XXXX XXXX XXXX XX/XX/2016 - {$20.00} - XXXX XXXX XX/XX/2016 - {$43.00} - XXXX XX/XX/2016 - {$260.00} - XXXX XXXX XXXX XX/XX/2016 - {$100.00} - XXXX XXXX XXXX Unless you dispute the validity of this claim or any portion thereof within ten ( 10 ) days after receiving this notice, the claim will be assumed valid. 
Please be further advised that if your obligation remains in default, without a dispute, further legal action may be taken against you that could result in a judgment, which may include attorney fees and other litigation costs. 

Please notify the undersigned in writing if you so dispute this claim. Otherwise, demand is hereby made that you immediately issue the credit as detailed above. 

Your anticipated cooperation is appreciated. 

Very truly yours, XXXX XXXX XXXX By XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: EQUIFAX, INC.
State: AR
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 have sent a formal complaint to the reporting agency because inaccurate information, incomplete information and unverifiable information is being reported on my credit report. This has caused great stress in my life because of this problem with the agency reporting this inaccurate, incomplete and unverifiable information. 

The first time I received a letter from the agency stating that they want to make sure that I am the person who is disputing and filing a complaint. I sent in verifiable identification documents and then I received a letter stating that the information was verified but they showed no proof, nor did they disclose any procedures that were done to prove that this information was verified and accurate as they have been reporting. As a consumer I requested the steps that the agency took to insure that these items were 100 % accurate under 15u.s.c.1681 ( i ( 7 ) Method of verification. Description of reinvestigation procedures.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07
Company: TFC Credit Corporation of California
State: WI
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a student loan for a XXXX school that went to collections. TFC Corp closed the account and transferred it to XXXX XXXX for collection and I am paying XXXX payments. However Tfc still shows I owe them as does XXXX for the same loan on my credit report. I told XXXX I can not owe both for the same loan and they say when I pay them off tfc will then say my debt to them is clear. I think they are actually the same people in reality. I can only get voicemail at tfc and they will not call me back. How do I even know when I pay XXXX off that tfc wo n't say but you still owe us? I ca n't owe both for the same loan, it shows I owe double the loan amount on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: TENET HEALTHCARE CORPORATION
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
On XXXX/XXXX/2015 I sent a letter to Central Financial Control informing them they were violating my rights afforded by FDCPA 15 U.S.C. 1692e ( 2 ) ( A ) by falsely reporting the legal status of the account as " OPEN '' and requested they correct their reporting. 
As of XXXX XXXX, 2015 I pulled my credit reports and Central Financial Control has not updated the status. 
This incorrect reporting is causing harm to my creditworthiness through several scoring models and needs to be removed. 
This was medical debt that should have been paid by insurance, that I did not receive any notice of until it showed on my credit report. I immediately contacted the company and paid the debt, yet it still continues to show as an open and active collection account with a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Maximus Education, LLC dba Aidvantage
State: AZ
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 filed XXXX  XXXX XXXX in 2014, included XXXX XXXX student loans ( Notice to Creditors Certification attached ). I requested an Adversary Proceeding due to student loans causing undue hardship. XXXX XXXX was properly notified, means test was performed and Federal Trustee and Judge approved student loans to be discharged ( Final Trustee Report attached. ) I have been trying to get XXXX XXXX, XXXX and now Aidvantage to recognize a FEDERAL COURT ORDER and discharge these loans and remove all negative history from credit reports. I have never been able to buy a home for my family and have suffered tremendously from their inaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: Experian Information Solutions 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: Account information incorrect

Complaint:
XXXX XXXX is continuing to report a past due amount on my credit report when this account shows as having been sold to a collection agency. I have challenged this previously and has come back verified both with Experian and XXXX. How can this have been investigated and yet still showing a past due amount when the account was purportedly sold to a collection company/agency

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 2022-08-27
Company: U.S. BANCORP
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
THIS IS PERTAINING TO A PREVIOUS COMPLAINT # XXXX I HAVE DISPUTED THE INFORMATION THAT IS BEING FALSELY REPORTED ON MY CREDIT REPORT. THIS WAS PREVIOUSLY DISPUTED AND THE COMPANY RESPONDED THAT THEY FOUND AN INQUIRY BY ME FOR A BUSINESS CARD. I INFORMED THEM THAT THIS WAS NOT MY INQUIRY AND TO SHOW VERIFICATION OF THE INQUIRY BEING MADE BY ME. THEY GAVE ME NO PROOF OR VERIFICATION OR ANY INFORMATION ON HOW THEY CAME UP WITH PROOF THAT THIS WAS MINE. I HAVE NO KNOWLEDGE OF ANY BUSINESS ACCOUNT AS THEY STATED I WOULD LIKE FOR THIS TO BE REMOVED FROM MY REPORT. I WOULD LIKE FOR THEM TO SHOW ME PROOF THAT THIS INQUIRY BELONGED TO ME. 

INQUIRY US BANK XX/XX/22

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