BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from XXXX, it shows an attempt to pull my XXXX, but it was not successful because my reports are all locked with fraud alerts. 

Synchrony has been told I have not applied for any accounts with them now and this is against the FCRA to pull a hard copy without written consent via letter, phone call or application signed.

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 2020-08-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
THIS IS NOT A DUPLICATE COMPLAINT So synchrony needs to step forward and look into this issue. 

Enclosed there is a printout from Ashley I was to receive a {$50.00} credit on my first order with my Ashley card, however when Synchrony decided to close the account, I got billed the complete amount. 

I can not get a statement online or make a payment. I need a statement so I can pay the balance. If this is another Synchrony tac-tic to make me late, it is unacceptable. 

The coupon says in store, but the stores are closed due to Covid-19, at least at the time of my order. And it appears they issued the credit to avoid legal actions. 

But the three letters received by Ashley customer services show the original balance.

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 2020-08-13
Company: T.S. Holdings
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The company did not answer any of my questions or resolve my issues. IQ DATA INTERNATIONAL is trying to collect a debt I DO NOT OWE THEM. IQ DATA INTERNATIONAL has failed to provide proof and Validation that I made an agreement or contract to pay IQ DATA INTERNATIONAL. IQ DATA INTERNATIONAL also failed to respond via mail after my direct Mail in contact, that they requested from me, before 60 days had past. IQ DATA INTERNATIONAL must remove their false collection from my report. They are in direct violation of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). Please remove this from my report, this is false reporting. 

IQ DATA INTERNATIONAL will not provide proof that I signed an agreement to pay IQ DATA INTERNATIONAL. I do not owe IQ DATA INTERNATIONAL

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: GUARANTEED RATE INC.
State: MN
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I recently refinanced my home. On XXXX XXXX I received a letter from Veterans Affairs that I was due a refund of the funding fee on my loan in the amount of XXXX and the letter states that the lender has been given instructions to send me a refund. 
On XX/XX/2020 I called the mortgage company Guaranteed Rate and spoke with the servicing department which told me they had not received anything and that I should send a letter to the Research Dept., which I did on XX/XX/2020. 
As of today XX/XX/2020 I have heard nothing nor received a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01
Company: Ditech Financial LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have being trying for years to fix the situation on my home. For years, I 've being in and out of court without any positive results. The lender has not been willing to work something out. I believe that a fraudulent foreclosure is being processed because I do not even know the owner of the loan I defaulted.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: MST Financial Services, L.L.C.
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
1. I was contacted by Chapman Financial Services via phone regarding a debt from XXXX XXXX 2 years prior for {$24.00}. I was asked for my mailing address and gave my XXXX XXXX . ( They lied ) saying they could only send mail to a physical address. 2. I received a collection notice stating the amount owed was {$20.00} and {$3.00} in interest. NOTE : the original has no wording for interest on unpaid debt. 3. I responded to the letter denying any debt and asked for verification I also told them to Stop all other communication other than mail. 4. I later received an undated letter claiming to be a statement from the original company. In fact the paper was an incomplete accounting printout. 5. After finding the original statement and check copy I responded to CFS including the original statement showing the amount due for ( TOTAL CHARGES ) and the check copy proving the due total was paid in full. I again requested verification of the claimed debt in the form of a bill or statement 6. XX/XX/XXXX I received a call from XXXX with CFS ( against my Instruction for mail only ) 7. My husband called XXXX the same day in an attempt to get information and was told we had all the required information and was told the note in the file would read " refusal to pay '' His response was that was a lie and if the debt was accurate it would be paid if the proper documentation was provided. The response was she was going to note " refusal to pay '' ( a lie ) 8.I contacted the original company giving them my personal information. XXXX XXXX confirmed there were no outstanding debts and this particular statement was paid in full XX/XX/XXXX. 9.I responded with another letter requesting proof of debt other than a company printout. My letter has also noted to place the claim in dispute.

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 2015-08-16
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Billing statement

Complaint:
In XXXX of 2014. I was on an extended holiday in XXXX XXXX. I attempted to use my Amazon store card to purchase items from there and have them sent to where I was residing. They stated they needed my store card number, I had done this in previous years, this was the first time they had requested that information, I was told it was a new consumer protection move. It was instead a requirement of the cards new issuer, synchrony bank. As I did not have the card with me, and my husband could not locate it at home, they agreed to issue a new card, which they did do. The first month after the issue, I went on line to pay my bill the online statement reflected that I owed XXXX, and my payment was XXXX, the online payment Center would not accept a payment. After several phone calls by my husband, we gave up and he ended up paying my bill by phone, out of his own account. All the while the automated statement reflected that I was paid in full, even though I knew this was inacurate. This is still going on. When I got home it took XXXX phone calls over 2 months to attempt to resolve the issue, in XX/XX/XXXX I was given a different set of payment instructions, as their on line payment button still reflected the totally inacurate information, verifying I was paid in full. The new payment method worked for two months. This month I went on line following the information they gave me it no longer works and my account once again innacuately reflects I owe XXXX. When I called them they gave me an entirely new set of directions, which require me to go to their own site to pay my bill. They flat out refused to fix, or explained why the button that you press to " pay your Amazon store card '' doe not work. They also refused to explain why they did not care to fix it, or provide a working link to their own site, that interfaces with the Amazon site. It is my contention that synchrony bank is deliberately doing this to collect late fees they are not entitled to by luring customers ears into believing they have no monthly payment due. This has happened in my own case, it may have also potentially damaged my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Lowes Credit Card, managed by Synchrony Bank. Account # XXXX. When I made my purchases at Lowes I was not tgold there was another company involved. I was in a XXXX accident XXXX XXXX XXXX. Since that time until this week, I have been in a XXXX and an inpatient in a XXXX XXXX Hospital, XXXX XXXX, XXXXXXXX. I am a XXXX Resident. On XXXX XXXX XXXX my father called the credit XXXXcard comopany, and after I authorized him to speak on my behalf, attempted to pay off the balance of the principle, and asked for an accomodation, forgiving the interest of {$1000.00}, on a bakance of {$3500.00}. We were transferred to 6 diffenent offices, and after 1 hour 15 minutes hung up on. This is a dedceptive practice. My father was doing the talking and is helping write this complaint. I want gto pooay off the principle balance, and cancell ghe card, they will not cooperate.

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 2020-08-13
Company: Experian Information Solutions Inc.
State: NV
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:
Problems with credit reporting due to inaccurate misleading information on my 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 2022-09-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have been trying to complete a loan modification on my account for Months with Bank of America Mortgage, i received major conflicting information within days that makes absolutely no sense from one day to another. I can no longer handle the gross incomitance this 'Bank '' shows on a NormaXXXX basis. 

Here is what happened I applied for a RMS ( request for mortgage assistance ) for a loan modification back in Around XX/XX/2022, many months went by with no word until XX/XX/2022 when i received a letter of a " Notice of intent to foreclose '' Please note i have an active loan modification application ( dual tracking ) I called in To Bank of America at telephone Number XXXX on XX/XX/2022 at XXXX eastern time this call lasted XXXX minutes and XXXX seconds, during this phone call I was informed that the underwriter had notes from back in XXXX of XXXX  asking for additional information. I was asked to send over this info, which i did VIA fax. ( 4 months in limbo on a loan Modification ) A few days later XX/XX/2022 @ XXXX i received a call from Bank of America from the same telephone number noted above that " They have my pay stub info and now needed clarification on my Annual bonus on my pay stub '' Which i also sent out. During this time i received a substantial Pay increase at my job I was informed that i had to show more recent pay stubs showing this. Which on XX/XX/XXXX i sent. 

On XX/XX/2022 i received a phone call at XXXX from the same number again stating that the updated pay rate was received but they YET again needed info on the Annual Bonus i receive, which i sent out AGAIN. 

On XX/XX/2022 @ XXXX XXXX  XXXX i received a phone call from the same number stating that they now need an Older pay stub showing my annual bonus on when it was paid out, which i sent the same day. 

Today XX/XX/2022 i received a letter that states That they are No longer able to review my application because they didnt receive all the info requested. 

How is that even possible?? Everything has been faxed to Bank of America XXXX # XXXX I need a fix to this i can no longer handle Bank of Americas incomitance There seems to be complicate issues here to as loan mods are time sensitive

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 2016-06-08
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I contacted Chase Health Advance Credit Card and was told by Chase Representative, XXXX # XXXX that chase is not longer offering Chase Health Advance Credit Card. I advised XXXX a verification of account required by the FCLRA Section 608. XXXX informed me that she would be unable to provide me with the contact I signed to open this account. I requested her for Chase to please send me a letter stating for this negative account to be removed from my credit report ( As per the guidance of XXXX, XXXX, & XXXX ). She replied that Chase will not provide such letter. The end result will be Chase knowingly and willingly not complying with the FCRA and purposely damaging my credit worthiness and credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: JPMORGAN CHASE & CO.
State: CA
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:
This is not a duplicate complaint. Chase has not taken the corrective actions it stated it would to resolve my prior complaint, and the company has not returned repeated phone calls. Please see my feedback to XXXX. 

Background : My mother passed away XX/XX/2020. At the time of her death, she had {$220.00} worth of Chase Freedom rewards points. A private banker at a Chase branch redeemed the points for her estate on XXXX XXXX, and later said a check would be come in the mail within 30 days. Six months later, the check has not come. No check has been cashed by her estate. I am the executor and trustee of my mother 's estate ( see attached documentation ). 

Update : In response to my last complaint, Chase said it would issue a new check for {$220.00}, if I signed and returned a Declaration of Lost Cashiers Check form. I originally faxed back the form at least a month ago. No check ever came. 

A representative at the executive office told me to resend the form with the lost cashier 's check number included. I did that, and faxed the form two weeks ago. No check ever came. 

Last week, Chase informed me that a new representative had been assigned to my case. He has not returned repeated messages.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20
Company: Experian Information Solutions Inc.
State: CA
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:
The Following My report provides inaccurate personal information. The following credit report inquiries are also unauthorized : I have no contract obligations with these companies, have never required anything from them, and have never authorized these inquiries in any way. That indicates that the bureau has not complied with the Fair Credit Reporting Act law and has continued to report incorrect information on my credit report. 
INACCURATE NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date Updated : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Date Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX  Date Updated : XX/XX/XXXX XXXX  XXXX Date Updated : XX/XX/XXXX INQUIRIES XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-23
Company: Harris & Harris, Ltd.
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:
Not too long ago, I obtained a copy of my Credit report and was shocked to find a credit inquiry by a company that I do not recall authorizing. I understand that a company should not be allowed to put an inquiry on my file unless I have authorized it beforehand. A company called Harris and Harris for XXXX XXXX reference # XXXX acct # XXXX for an amount of {$2000.00}. I have no knowledge of this information that is reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: ENCORE CAPITAL GROUP INC.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am on XXXX and I only get so much money a month, I was doing very good with all of My Accounts until My Daughter and Grandchildren had to move in with Me and she had no job and was not getting child support, Adding XXXX people to a XXXX Person income hardly leaves XXXX cents left till the next month ... I have explained this to every Creditor I have and cut up every credit card I have.. I am not saying it was not my debt but if you do n't have it then you do n't have it .. Some months I can buy all my Medicine, other months I can only buy the ones to control my pain .. I Live on Yogurt and Dried Cereal 99 % of the time ... I know there are XXXX liens on my credit history and Midland Group just won a {$1300.00} + Court Costs and I talked to XXXX of the Attorneys the day after I was Served with a Subpoena and was told that if I did n't show up that the case would just remain open, NOT A Judgement for Default for not appearing .. I have a very hard time getting around and spend all of my time in bed because it is the most comfortable for my body, I leave My House every 3 months and that is to see my Dr. My Meds are even Delivered by the XXXX In XXXX XXXX That is the ONLY time I leave my home .. My Meds are very strong and I do n't like to drive to much on them and I have become a XXXX on top of the rest of the above ... I have lost my will to care about Myself and Yes I do Stress about Owing Money to Others ... I feel like a failure of the biggest kind, but as a Mother and Grandmother, I can not allow them to suffer or be homeless. I am terribly Embarrassed and feel Completely Dishonorable.. I ask that you find a way to forgive Me and My Debt in all cases .. Most Humbly and Embarrassed ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: CITIBANK, N.A.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please Help! Nobody, explains the process and several " Homeowner Support Specialists '' have handled my file changing hands constantly, information gets lost and the process has been held up due to delays with the servicer for several months, waiting on modification for months ... this is a nightmare.

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 2016-04-26
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Unauthorized activity on my Barclays card. There 's still XXXX transaction that has n't been corrected. The fraudulent charge is from XXXX XXXX XXXX in the amount of {$4900.00}. I did NOT make this purchase. This is an unauthorized/fraudulent charge.

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 2017-01-21
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Never was given an alternative to repay my loans in the beginning. Was forced to max out my forebearance. My loan amounts went from XXXX to over XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My XXXX was denied for a purchase at Sam 's Club # XXXX XXXX XXXX, XXXX, OH XXXX on XXXX/XXXX/15. I went to the Customer Service desk and they called Synchrony Bank, the issuer of the card and handed me the phone. After verifying my identity I was told that an attempt to use my card was rejected and was asked if it was me that tried to place the charge. I do n't remember the exact amount of the charge in question but it was between {$100.00} and {$200.00}. I said no, that I did not authorize that charge and was then told my card was cancelled and that a new card would be sent to me. Upon reviewing my statement when I got home I noticed another unauthorized charge in the amount of {$1000.00} on XXXX/XXXX/15 to XXXX. I do n't have an account with XXXX and have never transacted any business with them. I called Synchrony Bank on XXXX/XXXX/15 about the fraudulent charge and filed a dispute. I did not receive a Fraud Investigation form but I did receive a letter on XXXX/XXXX/15 stating " After reviewing recent activity, we did not identify any unauthorized purchases applied to the account. '' and also " At this time we have concluded the fraud investigation and consider the matter closed. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: Experian Information Solutions Inc.
State: MD
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 XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 a consumer reporting agency can not furnish a 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 non-monetary relief