BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-10
Company: Fidelity National Information Services, Inc. (FNIS)
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
The company is Chess systems I 'm being denied to open bank accounts, credit cards this is. Blocking m. Credit all around. Pls contact me XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Nationwide Credit & Collection, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have multiple collections from this company that are listed on credit report yet i didnt see any notice that it would be listed on my report. Looks to be all medical and I have no way to look at their website since I dont have any agent file number. And I never sent up any type of payment plans with this company but there are past due balances listed on my credit report. A collection cant be listed with past due balances if the account wasn't with the company in the first place. Per HIPAA laws my medical records shouldn't have been sent to a 3rd party collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-13
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XXXX XXXX. XXXX XXXX XXXX XXXX XXXX reported on my credit with a remaining balance of XXXX XXXX I file for dispute threw XXXX I also sent a police report still no Results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: ENCORE CAPITAL GROUP INC.
State: GA
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:
On XX/XX/2020 I started getting letters from Midland Credit Management. Unpon further research, these accounts were transferred/sold and I am no longer responsible for the accounts. Debtor 's creditor did not verify these collections. Also, there was NO written form of communication, contract, or signature for these accused debts at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mines. According to the FCRA Midland Credit Management has violated my rights as a consumer and I'm requesting legal action to remove these account immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-26
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I received my credit card statement today, and noticed that the minimum payment due had increased by 5 %, rather than decrease as anyone would expect ; given that there were no new charges, late fees, or APR increases. I called the company and was told that it was because I had only made the minimum payment due, which is mathematically inconceivable : If the interest does n't change and the balance is reduced, the payment due should be reduced too. I spoke with a supervisor who did understand that something was irregular about the situation, but did n't have any way of correcting it immediately, she said she would bring it up in their next meeting. This does not help me or the XXXX people, rich or poor, that are being subjected to usury credit card formula 's by Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Other

Complaint:
Syncb/Walmart issued new cards with the new security chip through Mastercard instead of the store name card. When doing so, they created a new account with no credit history and reported these accounts to the credit agencies. This in turn caused a major drop in my credit score because they transferred the balance to the new account but not the 10 year payment history on the card. This is an unfair practice and they will NOT fix it. I spoke with syncb and the supervisor " XXXX '' who told me there is nothing that can be done about the problem. According to them, since this is a new account with the new company they report it that way. If they are allowed to move the balance, they should also be required to transfer the payment history as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
i was get this card from the barclaycard bank the ring master card by XX/XX/2016 when i get the card 2 days after i got locked out cuz they was need to verify a charge i make from this account but when i call in they wont verify me as the one own the account and not letting me do anything of my account and now its being almost 2 months my accout still are on the same blocked no matter how many time i call how many time i reset online account how many time i requsting have texting banking or email banking cuz they blocked me out of phone calling i dont konw what to do and i was trying to report the account as not opened by my end but im not losing my mind to do that to myself and i just had XXXX $ late fee from last month and they still locked my account and take late fee also i need help someone can talk to they and let they do the right things

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 2016-09-29
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I purchased an engagement ring on or about XX/XX/XXXX and secured credit through Sychrony Financial. I have consistently paid timely and in amounts 2 to 3 times greater than the minimum required amount. I conduct all of my banking electronically. I received all notifictions through email and paid accordingly. Conspicuously, in the month XXXX XXXX, I received no email from Sychrony and therefore missed a payment XX/XX/XXXX ( I had last paid Synchrony on XXXX/XXXX/XXXX ). The emails resumed and I noticed on my XXXX statement that the minimum payment had increased so I made a payment on XXXX/XXXX/XXXX. I planned on making another payment today XXXX/XXXX/XXXX and upon looking into the account I realized that I was not only charged XXXX late fees but was also charged a 30 % interest payment of {$1000.00}. I immediately called Synchrony and was informed that I was charged the interest because I had n't paid off the balance in full by the end of the promotional period. I informed the representative that I had n't received any notification XX/XX/XXXX which is why I had missed a payment in XX/XX/XXXX and was not informed that the promotion was ending. I asked if I could pay the balance in full minus the interest charge and he informed me that I could not pay off the balance without paying the interest. I have excellent credit history and have paid this Synchrony line of credit consistently and in excess of the required payment amount since the first payment. I had planned to pay off the balance in full prior to the end of the promotional period but I was not informed that the promotion was ending. I only discovered this upon calling today. I was unaware that there were any issues with my account because I had been so consistent in my payments and had not received any notification to indicate that there was a problem. Upon reviewing my emails, I discovered that I had not received any emails from Synchrony XX/XX/XXXX. I can only conclude that the coincidence of this omission of notification was intentional and that Synchrony Financial intended to fail to inform me of the expiration of the promotion in order to secure a usurious interest payment from a responsible customer.

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 2021-02-13
Company: EQUIFAX, INC.
State: DE
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: Problem with personal statement of dispute

Complaint:
I get my 3 credit reports delivered to me daily because ongoing fraud and theft that still persist on my SSDI money, the actual transfer from the Dept. of the Treasury and the XXXX XXXX ( XXXX XXXX  ) that administers the system is being hacked. Last summer a total of about {$6000.00} dollars was stolen. Besides this ALL Three credit bureaus have not increased my scores that range in the upper XXXX an will never let them go above that amount al least to XXXX so that I can get an FHA loan to buy a house. I am a first time, XXXX, elderly buyer and I deserve my own home rather than getting ripped off by 4 landlords since my accident by misrepresenting themselves as HUD-LITEK program properties. I am currently dealing with the OIG in Washington regarding the present landlord. That is only one slice of the pie. 

The problem is with the 3 credit bureaus and their writing in XXXX after getting a pre-approved mortgage from Quicken for {$170000.00}, 3 REAL credit cards that if I owed {$100.00} I paid {$140.00}, and even belter, then wack me for overutilization only because I was refilling my living space which I lost when all my things from underwear to kitchenware was auctioned off because I had a landlord in Rhode Island who just after my disabling accident in XXXX me telling me to freeze my reports because of evidence of Fraud and theft and there was, but each one will NOT deal with me always claiming that they can not access my reports based upon the information I give them. Hoop after Hurdle after Hoop .... 
The total amount of unsecured debt is less than {$2000.00} and has been that way since I cleaned them up myself by calling each of the creditors and explained how my scores plungedged after a n accident in XXXX rendering me XXXX marked the debt satisfied but it was still on as derogatory., This has been over a year now that with {$2000.00} debt, my scores will noit go up. Mainly because I show no active loans, WHO IS GOING TO LOAN ME MONEY WITH THIOSE SCORES? I had one landlord that caused me to get evicted because he went from 30 % of my SSDI to Market value in ONE YEAR. I lost my XXXX Mortgage, the credit cards were destroyed by me so I would not depend on them to live on ..I lost all that I built up all because of yet another landlord in Rhode Island who deceived me. Everything fell like pulling out the middle card in a house of cards ... I am absolutely helpless in this situation to fight back

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-14
Company: Synergetic Communication Inc
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
On or about XXXX through XX/XX/2019, I filed a complaint to the CFPB, XXXX and Theft identity about an unknown debt from XXXX  XXXX, XXXX XXXX, under the name of XXXX XXXX XXXX. This company replied back to CFPB and the XXXX  stating that I was not responsible for this debt. This debt was taken off of my credit report. I reviewed my credit report under XXXX and this debt is again on my credit report but under the name of Synergetic Communications , Inc. I am also getting repeated calls from this company. It appears to me that once the new Company, Synergetic Communications , Inc., bought out this debt from XXXX XXXX XXXX, that they are reopening this case. I have letters from XXXX to both the CFPB and XXXX stating the XXXX XXXX is not the responsible on this account. I want the calls to stop and this off of my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
XXXX XXXX accepted my credit during the holiday season and I opened a credit card with them. 

I paid my credit card on time and the card was current. 

They closed the card because they " re-reviewed '' my application 6 months later and decided to close my account. 

My credit had actually been higher, and by them closing it for no real reason they now lowered my credit score.

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 2021-02-13
Company: Freedom Mortgage Company
State: NJ
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/2020 I started the process of refinancing my VA loan through the IRRRL program. Multiple times the title company has cancelled the closing alleging that the lender doesnt and hasnt provided any documentation to them. Multiple times the closing has been cancelled. Because of the current interest rate lock of 2.25 % Im in theyre delaying the process multiple times and canceling closing multiple times as to avoid refinancing under the program which is backed by the Department of Veterans affairs.

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 2016-11-17
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call close to 8 times per day after missing XXXX payment.

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 2015-05-06
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Late fee

Complaint:
I received a letter from a credit card co. that my account was closed because it was past due, but I was unaware of a balance because they stopped sending a statement, and they did n't send an e-mail notification either. I paid the outstanding balance, which included {$99.00} in fees plus interest, because I thought it may have been my error, but after researching the matter realized it was n't. now they say because the account is closed and the balance has been paid off they ca n't refundthose fees. I have always up to that point paid my bills on time. This has had an impact on my credit rating.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The representative could not provide me with information about the amount owed other than who the original creditor was. I was asked to provide the collection company with information of what I owed them instead of them providing me with information about the amount of money that they were trying to collect. I asked to be provided proof of debt, including but not limited to, payment history, interest accumulation, and fees to verify the amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
Good Morning, I have a Stein Mart credit card and last couple of Years they switch to Synchrony Bank and ther give me interest rate almost 50 % .Please if you can HELP me because i have filling thaht i never pay off.I am XXXX XXXX XXXX, XXXX with unemployment wife. 
Thank You

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 2016-09-17
Company: SYNCHRONY FINANCIAL
State: NV
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have had my identity stolen and someone has tried multiple times to open credit with Synchrony bank using my ss #, address and other personal information. I have contacted the credit bureaus and FTC and filed police reports. I had another attempt with the same company yesterday. When I called the phone number on my credit report, I was connected to XXXX different departments. The first person I spoke with " XXXX '' said there was an account opened, then he said he thought it was closed, and I did n't need to worry about it. When I repeated that there was another attempt about four times he finally connected me to the fraud department and I had the same thing happen there. Then the woman " XXXX '' refused to look into the application pending until I insisted several times. Finally she said she found it and started a fraud claim. When I told her the last time this happened ( Three prior attempts ) it took four months to have the inquiry removed from my credit file. Then she told me that was n't her problem and I would have to resolve that with the credit bureau. I reminded her that the last time this happened, the bank requested it be removed. She refused to provide any assistance. I am very upset that I have not been informed of who is doing this and that the person, is still belligerently attempted to open credit with my information. I have asked to bank to put a freeze to alert on my ss # number, and they refused saying I 'd just have to keep calling in and reporting a fraud.

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 2021-02-15
Company: NAVY FEDERAL CREDIT UNION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Payoff process

Complaint:
I have had muitiple calls from the XXXX XXXX about a balance for my Barclay Credit Card. I have explained my situations with both them and the orginal credit card. XXXX keeps calling up to 8 times a day from XXXX XXXX to XXXX XXXX threating, harrising, and demanding. I have explained to them not to call and they then started to call my place of employment muitiple times. The day of this report they called my phone 3 times and my work once and its XXXX CST. Ths is on going since XXXX/XXXX/2016.

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 2021-02-15
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX, while out of the country, I got a message that my Chime card was suspended. This was horrible timing, as it's the only card I typically take out of the country with me. When I called, I was told that it was likely a mistake and would be rectified once I sent over documentation. They were asking for the source of some transfers I'd sent over. I sent that documentation in and was then asked for proof of business ownership. Then transaction history on business sales account. Then invoice and sales summaries of my business sales account. I have sent in everything that they've asked for ( even though much of it should be confidential ) and am still getting told that my account can not be closed and the $ XXXX in the account can not be released to me. 

This is extremely problematic for multiple reasons- I can not see or access my account info at all while the account is in 'suspended ' status. Therefore, I don't know what's actually in or happening with the account. Also, the increasingly outlandish requests paired with the inability to speak to an actual person on the phone instead of via email-or have a singular account representative is scary. I don't know who I am talking to or dealing with at any given moment. One would think that if an account got to suspended status, they would assign a singular point of contact to create trust throughout the process. 

I have been with Chime for over 5 years and used to rave about how great they were but I have never experienced such disregard with any banking institution and am concerned about the validity of what Chime represents. We are now 20-days into an arbitrary suspension and nothing has been done on their end to re-allow access to my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
DITECH FINANCILAL LLC, XXXX XXXX XXXX. I USE TO PAY {$380.00} A MONTH AND NOW THEY RAISED IT TO {$670.00}. I ', M RETIRED, WIFE IN XXXX AND I HAD A XXXX XXXX 2010. IT IS PUTTING A BURDEN ON ME. HELP ME. IF I GET SICK OR LOSE MY PART TIME JOB, I WILL LOSE MY HOME. HELP ME.

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 2015-06-23
Company: U.S. BANCORP
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently unemployed since XXXX 2015, position was eliminated and have been aggressively seeking employment. I was able to stay afloat with income tax returns but now I am falling behind now 2 months mortgage payments and car notes along with monthly utility bills. Single parent of XXXX sons and I believe I 'll be getting a job real soon. I just need a little help to pay what I 've fallen behind on and I can get back on track. Thought moving from the city to the suburbs to give my children a safer place to live and better opportunity to succeed in this world without dealing with bullying and senseless crime. But I need a little help. So please if at all possible I need financial help until I get back on my feet financially.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: TRUIST FINANCIAL CORPORATION
State: IL
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

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