BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-20
Company: Law Office of Harris & Zide
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a letter from debt collector. The debt collector wanted respond within 30 days.I call the debt collecto for negotiate payment. 
Debt collector want me pay {$120.00} a month, but i have a very heavy finance difficulty problem. I had asked to debt collector to pay {$50.00} a month.The debt collector refused my negotiate, and The debt collector keep continued law suit eventhough i pay {$50.00} a month. I used paid about {$70.00} a month to credit co.The debt collector rapidly raised up monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
A " bad check '' legal debt collection efforts - No phone calls and only one letter from collection agency indicating the proper debt. After 33 days another threatening letter directly from XXXX XXXX 's Attorney 's Check Enforcement Program threatening criminal charges and forced payment of excessive penalties and charges for a " Financial Training '' scam class - all to avoid prosecution for a single late paid " bad check '' debt. 
The " bad check debt '' of {$36.00} plus a penalty of {$50.00} was paid directly to the collection company in full settlement of the debt precisely 6 days from the date of the notice from the XXXX 's Attorney 's Office. No other liability exists other then to the " XXXX XXXX '' XXXX leveled against me by this collection agency. 
I find this entire matter reprehensible and the collection agencies methods to be totally out of bounds with regulatory authority. 
Further, I feel that without proper notice ( only XXXX correspondence letters received ) and disclosure - They have stepped out line and the agency is improperly using a state 's attorney 's office to both harass and penalize a " debtor '' over a collected and paid debt/mistake. 
I can supply all correspondence and copies of payments made should you require that detail. 
Lastly I think this collection agency is using the State 's Attorney 's office improperly and very likely illegally to collect a debt not within the authority of XXXX XXXX. In my opinion XXXX XXXX office is being played like a sucker and a chump by this collection 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 2015-10-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a XXXX credit card, which is handled by Synchrony bank. I 'm receiving abusive and harassing phone calls from Synchrony bank from the phone number XXXX XXXX XXXX XXXX XXXX, which is a skype number. Collection activity has been outsourced to people in XXXX, in the XXXX. They are obviously not aware of the FDCPA, because when I asked if they knew about it, they said no. I asked because they have violated the law multiple times with me. First, they call me FOUR times daily, every day for the past week. That 's harassment. Second, I asked them to cease contact, as I am aware of the debt. Further, the debt was n't even 2 months delinquent. Even after I made a payment for the past due amount, the rep demanded I make a payment for the remaining amount which was n't even due until XXXX/XXXX/2015, XXXX payment was made on XXXX/XXXX/2015, the next due date was on XXXX/XXXX/2015 ) or the calls would continue. This is also in violation of the FDCPA. Contact has not been stopped.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-30
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Equifax continues to avoid a serious issue i am having with an inaccurately reported account. They continually delete and reinsert even more inaccurate information and send it to my home pretending they have " updated '' and " investigated '' and received those conclusions but they are playing games with my credit report and my FICO score and most importantly with my emotions! XXXX is not reporting correctly an every time i correspond with them they keep sending me the same ridiculous letter saying it was " VERIFIED AS MINE ' and i keep telling them that its not the verification i am asking you to correct or investigate, it is your inaccurate reporting of the status and payment history in this account! Equifax is the only bureau that keeps changing things around and making this account worse on my life. Firstly, they were reporting this as derogatory with NO indications as to why so i disputed it asking why this account was in the derogatory section of my file and then they added on a 120 day LATE status to it. This account has NEVER been late, it was paid in full in XXXX the same month it was transferd as an overpayment from my student loan without my consent. Then i disputed the 120 day late because they blocked me from obtaining a home and applying for a mortgage and for months they avoided me and kept sending me ridiculous letters that its accurate. Then about a month ago i complained through the CFPB and they deleted the 120 days late and made it a collection. WHAT on earth is Equifax doing? This is ruining my life. I have never been on collection my entire life and they can not delete information and add information without listening to me and i even asked them for a method of how this was validated since XXXX and they have provided me with absolutely nothing and absolutely no proof that anyone has investigated this for me. Equifax simply sent me the same ridiculous letter and told me to contact whatever number i saw corresponding to the account, i called the number and it was the WRONG department and NOBODY could help me! This account needs to be deleted once and for all, i have already discussed my case with an attorney, i have LOST a mortgage on my dream home for my family, I have lost soooo much money on this inaccurate reporting an Equifax continues to play games with me and my report! They should be banished from the financial world, shame on them!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
My XXXX Mastercard was lost and used without my permission in a state that is atleast a thousand miles away. I did not participate or receive any goods or services so I filed a fraud claim with Synchrony Bank and I received a fraud investigation form and was told it would be investigated. I completed the form and sent it in and received a letter confirming the fraud had been investigated and they found my fraud claim to be valid after they researched it and looked into. The charges were made in a state thousand miles awat. So I received a letter saying that they had researched it and found in my favor and all fees and charges had been credited back to my account there was an adjustment done for XXXX for the fraudulent charges and I paid the remaining amount that was due on the account, now all of a sudden after telling me that I was not responsible after they investigated and even sent me a letter to confirm I was not responsible after investigating they came back in to my account and charged the charges back to my accounfter they told me that I was n't responsible. So I called and spoke with an account manager who is now claiming there is nothing she could do. Why did you send me a letter confirming I was not responsible after you investigated and now all of a sudden you are saying that I am. Why send me a letter saying I was n't responsible and then say I am. These charges werent even made in the state I live in or a state that I have traveled too ever!!

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 2021-03-13
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
For whatever reason, the store shows a temporary debit from XX/XX/28 for XXXX on my charge card I did not make or use. I've tried reaching both the store and synchrony, both blame the other and say there is nothing they can do.

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 2016-01-18
Company: Seterus, Inc.
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I took a loan modification made the trial payments after the loan was modified the loan servicer seterus increased the monthly payments from XXXX to XXXX per month causing me to default on the loan. I have health issues as well as unemployment. I am 7 months behind the servicer has placed me into foreclosure and telling me i need to pay a minimum of XXXX to reinstate the loan .Today XXXX XXXX 2016 they told me they made a mistake and my payment should be XXXX a month they told me this after 7 months and forced me into default. they also refused to give me a better modification or loer the principal on the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Arbitration

Complaint:
barclays bank placed an account with their attorney who consequently filed suit for a credit card account that Barclays refused to negotiate a reduced interest payment plan so that we could pay the principal balance at a XXXX interest rate for 5 years. 

XXXX XXXX, XXXX XXXX XXXX, XXXX, Pa filed suit against us in the beginning of XXXX according to a letter we received XXXX, however we were never notified or served a notice of a court date. They instead served our documents to another individual being sued by Barclays and we in turn received his documents. Docket XXXX. They further advised that they are entering a judgement in this matter on us. They were sent a letter by me on XXXX via certified mail concerning this matterDue to their error, we never had an opportunity to present our side and they also compromised our personal information including address etc and financial information to an individual that we do not know.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-14
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I received an offer to apply for the Synchrony Bank BP Credit card. I spend alot of money at XXXX XXXX XXXX in my area and could use the rewards that were offered. I, therefore, applied for the BP Gas card on XXXX XXXX, 2015. I was immediately told to call to finalized my credit application because I had an fraud alert on my Transunion credit report. I called and was told by the representative that I had to be verified by receiving an text to my phone. I gave my number and received an text. However, I did n't get all XXXX digits correct because I am partially XXXX. I was told I would receive an letter in 7-10 days. I felt I was being declined so called the next day in an attempt to be verified again. I was told I had to apply again but did n't know that my XXXX credit report had to be pulled again. I ended up with XXXX inquires in less than 24 hours. I was eventually verified but was told that once again I would receive an letter of the decision in 7-10 days. Well, I received XXXX letter stating that Synchrony Bank did n't feel comfortable approving my credit application. A few days later I received an denail letter stating that they did an manual review and also pulled my XXXX credit report to now decline me because I had too many accounts. Well, I am rebuilding my credit here. In addition, I felt the analyst seemed to be on an witch hunt to decline my application. Also, The letters of decline stated I was asked questions to verify my identity. This is false because I was never given an choice. Most banks would of given me the opportunity to verify my identity by sending in documents such as an driver 's license, utility bill and social security card for example. I feel I was n't treated fairly here at all! Most people who apply for this card only receives XXXX credit inquiry not XXXX inquiries. I have filed multiple complaints and warn others to stay away from this bank! They are suppose to be helping people improve their quality of life not looking for stupid reasons to decline credit applicants. The sad thing about the situation is that I carry a few of their other credit cards such as Walmart, XXXX & XXXX, Amazon, Gap card and HH Gregg credit cards. This bank needs to understand that when consumers apply for their credit cards the consumer wants and need these services. In essence, I was n't denied the credit card because of my credit. It seems that I was denied because I had an Fraud alert because someone tried to change my address back in XXXX of this year! This in my opinion was very frivilous reason to deny an consumer for credit!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Company contunes to keep calling stating I am being investigated they contune to call several of my family members muitlable times, even after they told them to stop.They have called my employer stating that I am being unvestigated and if I do not return there calls they will send the police. I have contacted the company and asked them to stop calling. This debt is from XXXX. They threaten to put leans on my automobile and ruine my credit. I asked for the company mailing address and they rufused I asked the name of the company and they stated it was XXXX. I do not know if this correct.

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 2021-03-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Bank of America XXXX XXXX XXXX, DE XXXX Identity Theft On XX/XX/2021 I received two letters in the mail notifying that account number ending in XXXX and account ending in XXXX were closed and not to use the checking account or debit cards for either account anymore. I did not open, authorize nor approve these accounts. I spoke with XXXX at Risk Fraud XXXX who created Claim # XXXX. It was indicated there were 11 accounts open at one time. It was believed accounts may be closed. Also on XX/XX/2021 received a letter from XXXX XXXX XXXX stating someone opened a deposit account with Bank of America and was attempting to transfer funds. This attempt was denied. I spoke with XXXX at XXXX. She advised to file a dispute by reviewing the consumer report for the last seven years which she was to mail to me. She requested personal information which I did not fully give due to the identity theft concerns. I am still waiting for this report.

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 2020-03-22
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My visa card with a {$4400.00} limit is reporting twice on my equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CL Holdings LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX gave account that was closed to Jefferson Catial Collection, i turned them in to FTC.GOV last year and it was Charge-off as dischage.Today in Mail got it again Secret Letter No-Name ecept mine, but left top it has? Return Mail Only XXXX XXXX XXXX XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XXXX XX/XX/2020, I attempted to pre-order an XXXX XXXX XXXX using XXXXXXXX XXXX " XXXX All Access '' program. I chose XXXX as the vendor and, after completing the order, realized the XXXX XXXX was replaced with an XXXX XXXX XXXX I tried to cancel the order and was told it could not be canceled and I would need to return it once received. 
The day it arrived, I returned it using the RMA label provided via the All Access portal. There were no email addresses or phone numbers for me to check the status. Citizens One advised me that once I returnedthe XXXX, the account would be closed. 
A couple of months later, I received late bill notices from Citizens One. I checked my credit bureau report and discovered a derogatory history from Citizens One indicating I was delinquent. I have spoken to Citizens One several times for hours at a time, and each time I was told a manager is reviewing the matter. 
Citizens One eventually verified the XXXX was returned butstated they would not close the account until their contract partner " XXXX '' credited the loan back. I was assured that the account was not in collections, yet I still get monthly emails, letters, and text messages from the collections department, followed by lengthy phone calls that lead to no results. To date, no manager has called or emailed me to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
I haven't received any feedback from my complaint for 60 days now from the bureau which is just complete disregard for the laws that govern them. I hope with your help this will not continue

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 2022-10-26
Company: AMERICAN EXPRESS COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I applied for the American Express XXXX card, I was denied due to my credit report. I know that credit reporting is voluntary according to CFPB 3.1.1 Furnisher Incentives and Disincentives. This was a private transaction and involuntary information was used to determine eligibility. I never provided written consent for the information that was used to be furnished on my consumer report. Therefore I was discriminated against by American Express

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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. It has been 60 days and I have not received a response. I feel like I'm being taken advantage of and ignored. Section 611 ( a ) clearly states that a failure to investigate these items being disputed, 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 be deleted immediately or I will file for litigation due to the stress that I have been caused by you. My information was also impacted by the XXXX data breach and may have got 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 explanation
Consumer complaint received 2021-03-13
Company: Paypal Holdings, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
PayPal calls 6 times in a span of two hours everyday, approx every 30 minutes. I've communicated I will pay what's owed when I receive pay check in approx two weeks. Have started new job.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-28
Company: Caliber Home Loans, Inc.
State: AL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I sent request for information, for XXXX and XXXX XXXX mortgage statements, to Caliber Home Loan, and their lawyer XXXX and XXXX. I did not receive an acknowledgment of receipt as required by RESPA, furthermore they failed to respond within the required 30 days. I am attaching in .pdf format, A ) original request, B ) notice of 5 day RESPA violation, asking for explanation, C ) notice of 30 day failure to respond, in which, I ask for information requested be sent, without delay. 

I know for a fact Caliber received notice 's because they uploaded the original request in documentation as part of a response in complaint # XXXX to the CFPB, on XXXX/XXXX/XXXX. 

Caliber Home Loans, continued arrogance, and blatant violation of rules, set forth by agencies of the US government are disturbing, troublesome, they should IMMEDIATELY, brought to the attention of regulators, and appropriate action should be taken, at once. 
.pdf # XXXX # XXXX # XXXX

Company response to consumer: Closed with explanation