BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-12-14
Company: OLD NATIONAL BANCORP
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was scammed, by an individual, who also scammed, many more people! The XXXX XXXX XXXX, XXXX XXXX XXXX XXXX is investigating! 
XXXX XXXX and XXXX XXXX, allowed me to exceed, my credit limit, of {$11000.00} and {$7000.00}, respectively. 
A checking account, was issued by XXXX XXXX, without, my name on a signature card! Old National Bank, allowed me, to take out {$15000.00}, no questions asked! 
I am being sued by XXXX XXXX! My local FBI, didn't do anything about this, including the name, of the scammer! I have been let down, by law enforcement! I need some help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
ON XX/XX/2015 I RESPONDED TO AN OFFER AT XXXX THAT SAID APPLY FOR THEIR CREDIT CARD AND SUBMIT AN ORDER TOTALLING XXXX AT THE SAME TIME AND RECEIVE A XXXX CREDIT ON A FUTURE XXXX BANK IN QUESTION WAS SYNCHRONY BANK AND THE CREDIT CARD WAS A MASTER CARD.AT THE SAME TIME AS THE CC APPLICATION WAS SUBMITTED AN ORDER, NO:XXXX WAS PLACED WITH WALMART.COM TOTALLING XXXX ORDER WAS PAID FOR BY AX SINCE I DID NOT HAVE THE NEW WALMART MASTERCARD WHICH ARRIVED ON XX/XX/2015.IN ADDITION TO THE ABOVE ORDER I HAVE PLACED XXXX ADDITIONAL ORDERS TO DATE USING THE XXXX CREDIT CARD. TO DATE I HAVE NOT RECEIVED THE CREDIT OF XXXX. AFTER XXXX PHONE CALLS TO CUSTOMER SERVICE OF THE BANK AND WALMART AND BEING TOLD THAT IT WILL BE COMING THERE IS STILL NO CREDIT.

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 2015-07-13
Company: ENCORE CAPITAL GROUP INC.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I requested Midland Credit Management/Midland Funding to validate an alleged debt they are reporting. The failed to provide any response and are continuing to report the inaccurate alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I recently acquired a US Bank branded XXXX XXXX XXXX Generally works well, but is often and repeatedly declined at a number of locations. Have spoken to Customer Service repeatedly without results, so I always carry another card. 

Went to a State of Texas approved facility this am to get printed for a TX license. The provider swiped my CC to enter my data automatically on his screen. XXXX and behold, the full name, card number, and expiry appeared on the screen, but the data are NOT MINE. He repeated the entire process to confirm with the same result ( I have photos to prove it ). 

So I have a CC from US Bank, it has my name and card number printed correctly on the card, and since my billing appears to be correct, the chip part seems to be working properly, but the mag stripe portion goes to another user and account entirely. Yes, I have the card and data to prove it. 

If this is XXXX in the CC industry, this is an invitation to financial shenanigans that are wholly unpredictable. If this is a fluke, at least an entire batch of US Bank CCs is out in the wild swiping mis-matched account data. Depending on the size of that batch, this could be hundreds, thousands, or even tens of thousands of CCs. 

US Bank is providing a replacement CC, but appears to be taking no further action. This could be disaster, depending on the size/scale of this event occurring in practice in the industry.

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 2016-07-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Log into my online banking account at Synchrony Bank from a computer that is not a registered device ( I personally choose never register ANY device - even my own computer ). You are brought to a page with some telephone numbers ( showing only the last XXXX digits of the telephone number. You have option to request TEXT message, or CALL on the telephone number you choose. 
The problem is that on 6 occasions, this page shows telephone numbers that are not valid - they are not my telephone numbers, so I can not proceed to login. 
When I called customer service to resolve this over the course of 5 days, I received inconsistent resolutions. 
On one occasion, they did something to disable this feature, allowing me to directly login from non-registered device ; On a 2nd occasion, they asked me for my valid cell phone number and sent me a XXXX-digit passcode ( Note : on a subsequent occasion, a rep told me they could not send a XXXX-digit passcode to my cell phone number because my number was not registered with the third party vendor ) ; In one call, I was told to call all XXXX credit agencies to have my telephone numbers added to my credit report - I called all XXXX : XXXX did this, XXXX and XXXX said they have no way to do this. They told me that they get my telephone number from the XXXX credit agencies and do not use the telephone numbers that I list on my account. 
In one call, I was told that they use a third party public database to pull my telephone numbers for this validation. 
On numerous calls, I tried to explain to the reps and their supervisors that this is a faulty way to validate my identity. I am the only one who should know what my valid cell phone telephone number is, not a public third party database. I spoke with so many Synchrony reps and emailed them to explain the fault in this, but no one seemed to follow. Using third party telephone numbers to send 'login passcodes ' is so dangerous as this enables codes to be sent to ex-spouses, or otherwise old/obsolete telephone numbers. I am trying to get Synchrony bank to change this PROCESS for validating my identity since I choose NEVER TO REGISTER any of my devices, but they seem to not understand and address this issue. Hopefully, this complaint will make Synchrony fix this faulty login issue.

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 2020-04-20
Company: Uplift, Inc
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I refinanced my trip through Uplift / XXXX XXXX to speak at a university in XXXX, California on XXXX XX/XX/XXXX, but due to the coronavirus crisis the speaking engagement was cancelled. The total trip, including the travel protection cost was {$1500.00}. XXXX XXXX only refunded Uplift {$1400.00} ( minus the {$100.00} travel protection ). {$1500.00} - {$100.00} + {$1400.00} Since XXXX XXXX won't refund Uplift the {$100.00}, Uplift won't refund me the full {$310.00} amount I've already paid towards the loan using my MasterCard. I paid {$150.00} on XXXX XX/XX/XXXX and {$150.00} on XXXX XX/XX/XXXX. Even though the trip was cancelled, I made payments towards the loan so it wouldn't default and reflect poorly on my credit history. I paid a total of {$300.00} on my MasterCard. I thought I was going to get a full refund of {$300.00}. Because it took XXXX XXXX over 30 days to refund Uplift, the loan incurred a finance charge of {$210.00} which Uplift expects me to pay. 

Uplift is only refunding my MasterCard {$110.00} even though I paid {$300.00}. 

Uplift Loan ID XXXX XXXX XXXX XXXX XXXX Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
We made an agreement to buy a new home from TriPointe Homes through their sales agent XXXX XXXX ( XXXX # XXXX ) The address of the property is XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 
The agreement was signed on XX/XX/22 This was agreed to be a primary home purchase. We made a deposit of {$12000.00} for this purchase. 

The loan agent XXXX XXXX ( XXXX # XXXX ) from the builder ( tri pointe connect ) approved us for a primary home with a down payment of 10 % and interest rate of 5.625 %. 
XXXX encouraged me to also create a FAKE lease for our current primary with friends and family to overcome the high debt ratio. 

When i refused to do that, they could not quality us as Primary Home. 
They wanted me to change the purchase to Investment with a much higher down payment and higher interest rate. 
For obvious reasons, we could did not want to lie and refused to buy it as investment home. 

At this point, they refused to return by Deposit and not responding to any of my mails. 

They also refused to provide me a copy of form 1008 and 1003 of my original loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
XXXX XXXX XXXX ( XXXX XXXX XXXX ) pulled a hard credit inquiry on XX/XX/2022. Ive never applied, customer service has hung up on me 3 times when i called to inquire who, what or why the inquiry has been made to my credit

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 2020-09-17
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
Dear officer This is XXXX XXXX, my UA account number is XXXX I had transfered XXXX points from chase credit card to UA account Chase logo Order Date : XX/XX/20. Order Number :  XXXXbut I did not received the milesI had called chase credit card service office at least 4 times and call UA XXXX service for 3 times. However, these does not work. I did not receive any points and miles. thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: Experian Information Solutions Inc.
State: FL
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:
For several months, i have asked the bureau to provide me with proof that the unverified account belongs to me. i have asked several times, over several months for them to produce me with documentation that bears my signature, that shows a binding agreement by myself and the reporting on my credit file. The bureau has failed to do so and only respond back with a general " verified '' response. They havent indicated how it was verified, who they spoke with and what information was shared with them that show it is verified. i believe that this is in violation of my rights. I believe this is in violation of FACTA & FCRA.

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 2017-05-24
Company: Advantage Recovery Group, Inc
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Last Year on   X/XX/2016  I  hired   XXXX   also known as  XXXX  to do marketing for me. In  XXXX , Florida  XXXX  They said I had to have a different website they could not do marketing on my website. They were going to refund my money. Then they informed me that they could build my website. On   X/XX/2016  I  paid them {$1000.00} with  XXXX  and   XXXX   XXXX  . They did not refund my {$230.00} they said they would build SEO into my website.
O n  X/XX/2016  the y finished the website. I paid the balance {$1000.00}. At first I looked at the website and I thought it looked good. Then I started working with the website and it was broken, they also told me I could change my website to any of the options of the Wordpress template. I could not. I could only have revolving photos that looked like video, and the thumbnail photos on the gallery pages if you click on them they would enlarge, however they would not go back to small you would have to click out of the website. I tried to change not and then they said I could not change it. When they made the website they talked to me all of the time and then after it was finished there was no customer service. They would not answer me. One person sold me the site another person  XXXX  made the site with me and then there was another person I was supposed to communicate with who never answered me. After trying for 2 months with incompetent customer service and a broken website. I said I am out of this website. The man I was talking to said he was sorry for all of the issues. I went bak to my old website. I then disputed all of the charges with   XXXX   XXXX   and  XXXX  ( they had  XXXX  ) So   XXXX    and   XXXX   XXXX   had to agree to refund my money. They refunded all of my money.
Last week I received letters from a collection agency : Advantage Recovery Grou p,   XXXX   XXXX   XXXX   XXXX   XXXX  ,  XXXX , FL.  XXXX  (  XXXX  )  XXXX . (   XXXX   )  XXXX    They said that it does not matter that my money was refunded from   XXXX   XXXX  , that means nothing and they will not call   XXXX   XXXX  . They said that is the same as calling the police. ( If something happens I call the police not in this instance ) .  XXXX   XXXX   the man at Advantage Recovery Group said my dispute is the same as not paying. They will tell the credit bureaus and it will be on my credit report if I do not pay for the scam website. {$2000.00}. For that amount of money I should have great customer service and a website that worked. They are sending me the contract that I signed, plus other communication with   XXXX   the website and the customer service should be good and it was horrible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-20
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
ALL DOCUMENTS ATTACHED. 

TRIED TO FAX COMPLAINT TO YOU XX/XX/2020 WITH NO SUCCESS ON YOUR END. 

91 PAGES OF SUPPORTING DOCUMENTS COMING YOUR WAY. 

COMPLAINT IS TO : Wilmington Trust , XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I work at XXXX, and have HSA savings and investment accounts. Recently when I was looking at my statements I was surprised to find $ XXXX fee for HSA investment account. On top of this the bank ( BNY Mellon ) also charges $ XXXX fee for HSA savings account. This HSA savings account fee ( $ XXXX fee ) is paid by my employer XXXX. This are very high monthly fees for relatively low balance account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This matter concerns the handling of Rushmore Loan # XXXX On XX/XX/XXXX, I received a letter from Rushmore Loan Management Services informing us that they were transferring the servicing of our loan to another company, XXXX XXXX XXXX, effective XX/XX/XXXX. 

I was dismayed to hear this because I had called Rushmore every week in XXXX requesting a copy of our year end federal tax interest and tax reporting statement. Each time I called, they assured me that I would receive a copy in the mail by the end of the week. 

After I received the notice of transfer, I called Rushmore again and spoke to a XXXX who would only further identify himself as XXXX # XXXX. He stated that since we hadnt made any payments, it wasnt necessary to issue a 1099. I asked him about the tax payments to our county authorities. He said he reviewed our file and saw that Rushmore had made two disbursements of {$8200.00} each, one on XX/XX/XXXX, and one in XX/XX/XXXX. 

When I again asked him for a copy of the federal year end tax and interest statement, he said no electronic copies were available, but he could fax a copy. Since I do not own a fax machine, I asked him to fax a copy to our HUD Certified Housing Counselor, AND to send one to our home by mail. 

To date, as of XX/XX/XXXX, NO fax or letter has been received by me or our HUD counselor. I am very concerned that this document will not be sent out and our loan will be transferred to another servicer and we won't have any information regarding the payment our our property taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-16
Company: SYNCHRONY FINANCIAL
State: TX
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:
On XXXX XXXX me and my wife along with a couple of friends took a cruise why on the ship we attended a XXXX XXXX art auction. They offered free art if you apply for a credit card explaining that no strings were attached so i did little did i know about XXXX weeks after i return home they would start billing me for art work i never agreed to purchase .First the company said my wife purchased it using my card then when i explain to them she not authorized to make a purchase using the card i was told because we share the same address they can allow her to make the purchase.When i file a written complaint they attempted to show paper work that forged with a fake signature that not even how i write my name to make things worst they say out of the four pages signed only one has a G as the signature i always use my full name and i would have signed every page of the purchase and not just one

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 2015-04-16
Company: Ray Klein, Inc.
State: OR
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Agency refuses to update my account to the credit bureaus and supply the information that my debt has been reduced after consistent monthly payments. Under Sect. 623 of the Fair Credit Reporting Act, they have the duty to report supplementary information to the credit bureaus. When I have called them about it, they are insulting, abusive. I waited on hold for 45 minutes while they supposedly researched the statute but I finally had to hang up, so I could n't hear what conclusion they reached.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-24
Company: Paypal Holdings, Inc
State: MO
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
Amount of {$30.00} transferred from my bank to paypal on  XXXX / XXXX / 17 . Bank approved it and sent the money paypal has yet to issue the funds and tell me nothing can be done about it I have to wait to see what happpens.

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 2022-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX Account # 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 that a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-26
Company: Payward Ventures Inc. dba Kraken
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
In XX/XX/2018, I became a victim of Mr. XXXX XXXX ( " the scammer '' ) ( https :  XXXX ) via XXXX. He introduced himself as a Bitcoin Miner and Binary Options Trader. He advertised me trading servises as a broker promising 5 % of the commission for mining bitcoins and 15 % for trading options for third parties. Mr. XXXX accompanied me for almost two years as a trading expert, and also maintained contacts with trading companies trademerits.com and XXXX. All moneys was transferred from my e-wallet to the scammers e -wallet for a total amount of {$45000.00}

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: Commonwealth Financial Systems, Inc.
State: KS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Getting daily calls on my wireless phone that do not announce who is calling from XXXX. If I follow the voice prompts for English I get a dead line with no response. I called the number and got Commonwealth Financial Services. I am not aware of any outstanding debt or previous debts that were sent to a collection agency. This appears to be an attempt to get me to pay them so they will stop calling me? I requested that they stop calling me. If this is a legitimate debt I see no reason they should not contact me by mail with the details. I have not received any notices of unpaid debts or of any action by a debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation