BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Account is listed as an open account type and pay status as collection with a pass due balance of XXXX This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.

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 2023-06-01
Company: Self Financial Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXXXXXX XXXX XXXX XXXX XXXX XXXX " SELF/INC LEAD ``. This charge may lead to a lawsuit. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Army and Air Force Exchange Service
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have recently discovered that there is unauthorized information in my name being used on my credit reports and would like to file a dispute. This information is unauthorized, and I did not approve it to reflect on my credit reports. I believe I may be a victim of identity theft. I have a security lock on my credit report, and I was not alerted to this information being authorized on my reports and I am insisting that they be deleted from my credit report. I have placed multiple disputes and complaints, and police reports with these companies, but these companies continue to show neglect by refusing to remove the accounts. These companies are continuously unreasonably halting commerce and have damaged my relationship with other creditors and have hindered my ability to obtain certain licenses with the state. This is a recurring problem that needs to be rectified. These items are fraudulent and impacting my relationships with creditors. I have reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit in regard to this incident. in addition, I have attached a PDF document reflecting all items that were found to be unauthorized by any such. Please investigate these matters and remove the disputed items. If the accounts are not removed a federal charge will be filled against the following companies " XXXX ", " MILITARY STAR ", " XXXX XXXX XXXX. This charge may lead to a lawsuit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX Washington XXXX DC XXXX https : //www.justice.gov/atr/citizen-complaint-center

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 2023-06-01
Company: CCS Financial Services, Inc.
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account is listed as an open account type and collection pay status with a past due amount of XXXX. This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-21
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have disputed several times with the 3 major credit bureaus. XXXX, XXXX, and Experian. 

I disputed XXXX, XXXX XXXX, XXXX XXXXXXXX XXXX, as well as XXXX XXXXXXXX. I have informed them several times that these accounts were not mines. I even sent in a police report as well. They did not respond. I also reached out to the creditors as well and I was informed that they found the accounts to be fraudulent. The credit bureaus have still refused to delete these items. I need these items deleted as soon as possible. 

Also I have contacted them with the over and abundance amount of inquiries on my reports that I did not authorize or even do myself. I need them removed.

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 2023-06-01
Company: NEW YORK COMMUNITY BANCORP INC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Received update escrow analysis that notified us our escrow had a major shortage, over {$1900.00}. First rep I called week of XX/XX/XXXX said that Flagstar Bank had only been collecting XXXX cents a month for our flood insurance. {$1.00} for the whole year in the escrow account. This makes no sense as we have always had flood insurance on the property. Now, we are in a situation where we are surprised by the huge jump in monthly mortgage payments. The only communication I received about {$1.00} flood insurance was on the XXXX  escrow analysis. However, it was in small print and not easily identifiable. 

I spoke to a rep in the insurance area, XXXX, as that is who the first rep recommended I talk to about the lack of communication. I spoke to XXXX and he could not see the escrow information so I ended up talking to XXXX in Escrow. 

I believe the lack of communication about a major underfunding in escrow is unacceptable. Flagstar bank refuses to take responsibility for their mistake of only collecting XXXX cents a month for the entire year for flood insurance. I do not believe we should have to pay this bill because it is in the past. It is not our fault they did not collect properly.

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 2018-09-18
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I wrote to XXXX XXXX to ask them to validate their claim that I owe them for this bill. They are not the original creditor and failed to provide a bill of sale and the original contract is with the original creditor. They failed to provide me with a bill of sale. 

XXXX XXXX is reporting on my credit file with all 3 credit bureaus that I opened an account on : XX/XX/XXXX, This is false. The original creditor is already reporting this debt. 


Account Details Last Reported XX/XX/XXXX Collection Agency XXXX XXXX XXXX Original Creditor 01 SYNCHRONY BANK XXXX XXXX XXXX Status Open Opened Date XX/XX/XXXX Closed Date -- Responsibility Individual Balance {$1600.00} High Balance {$1600.00} Remarks Account information disputed by consumer, meets FCRA requirements

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 2023-06-01
Company: ERC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
account is listed as open with past due with a balance of XXXX and in collection This is a violation of the FCRA and is in violation of requisite XXXX Complaint reporting standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
My information might have been impacted by the Transunion 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 non-monetary relief
Consumer complaint received 2023-06-01
Company: EdFinancial Services
State: WI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I am reaching out today about my student loan servicer ( Edfinancial Services ) and student loans in general. I have been in the IBR-plan for XXXX loans ( XXXX XXXX ) since XXXX ( but paying since XXXX ), but my balance keeps rising exponentially because of the high interest rate ( 6.5 % ). My loans have been in covid forbearance for the last three years ( 0 % interest ) and I have managed to save up some money during this time to apply to my balance, which will make a small dent on {$260000.00} ( reducing my loan by 25 % ) but will drain all the savings my family will have for emergency or necessary spending. If loans stayed at zero to low interest I could have hope to pay it off. However, I found out today that student loans will be re-entering repayment WITH NO REFORM on the high interest rates for XXXX loans. I already have {$50000.00} in interest ( because of the poorly structured IBR-plan ) and I am internally panicking as I will be re-entering a life of indentured servitude. These loan companies need to be held accountable for this. I have reached a breaking point and have found the courage to complain to say " enough is enough ''. I am not asking for forgiveness on an education that I use every day, but asking for a fair chance. I had hope that within the last two years that something would change, but it is becoming apparent that I need to voice my opinion because it looks like there will be no reform. Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: JPMORGAN CHASE & CO.
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have opened up a Chase Total Checking account about 2 months ago and had set it up with direct deposit to take 15 % of my paycheck. Ive only used the account to manage my bills and to move money between my accounts with XXXX. Specifically this account was used to pay my car insurance. The initial amount of insurance was around {$310.00} debited out between the XXXX and XXXX. XX/XX/XXXX the car insurance attempted to debit around {$450.00}, and I didnt have enough funds to cover. The following week I deposited a {$1000.00} XXXX check to pay my car note. Then {$200.00} in cash on XXXX XXXX. I was locked out of my online banking yesterday, XX/XX/XXXX, and I contacted customer service only to find out chase had closed my account. The representative stated she couldnt advise of why it was closed and Ive never had this happen with banking with any bank. I am appalled that something like this could happen especially when there was activity on my account and have never done anything fraudulent/suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
When I got the XXXX Synchrony card, I was told that there would be 0 % interest for 6 months. After that interest would be charged at a 29.99 % rate. I was charged {$110.00} in interest on XX/XX/XXXX. I contacted the company on XX/XX/XXXX and asked why, they stated that the promotion was over. I was told that I would be charged {$110.00} of interest now and additional interest after. I have another card with Synchrony Bank and did not have this issue after a promotional balance. My fiancee ' also as the same XXXX card and did not have this issue. This would cause me to pay the same interest twice over the course of the year.

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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a settlement check to a chase bank in person to the atm. I was advised by the receipt that I have to wait 7 days until the funds are available. I waited the 7 days and chase will still not release the funds to me. I called the customer service line and was advised that they can't verify the check with their system. The representative said that he was trying to call the CEO of the XXXX XXXX XXXX I'm sorry but that's just ridiculous. They are being unfair and holding my money for no reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: Mr. Cooper Group Inc.
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
We believe that NationStar is doing bad business practices. We have never heard who they were until a few days ago. Right path didnt give us they name. This is a loan that should have been written off in our bankruptcy of 2014 as it was a loan between XXXX and my husband. XXXX changed paperwork to a mortgage and quickly sold it to XXXX XXXX XXXX XXXX  who had an affiliation with XXXX XXXX XXXX who in turn sold it to XXXX XXXX XXXX  who in turn apparently sold it to Rightpath who we are finding out has an affiliation with NationStar. If one notice on the justice system XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and now NationStar have been sued these kind of bad business practices. We ask for assistance for anyone that had any of these three companies trying and have taken their homes from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: T.S. Holdings
State: CA
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:
You are in Direct Violation of The Fair Credit Reporting Act ( IQ data International, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), has violated several of my rights.

16 U.S.C 1681 section 602 A. Clearly states that 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.

Remove these late payment and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I had fraud in my account and the problem never got resolved. I am unable to open more bank accounts because of this.

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 2023-06-01
Company: TRUIST FINANCIAL CORPORATION
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX a check was mailed to me drawn from a Truist Business Checking account. I never received the check nor did I know at that time a check was being mailed to me. It wasn't until approximately XX/XX/XXXX that I was told a check for {$7500.00} must have been stolen in the mail. The sender then notified Truist Bank of the missing check. Truist has told me that they are not responsible for missing checks after 30 days. After further inquiries I received the attached documents proving that my check was fraudulently cashed. The name of the person who cashed my check clearly does not match my name on the front of the check. Please help me to recover the money that was stolen from me. 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 2023-06-01
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-06-01
Company: Shellpoint Partners, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/XXXX, my home owners insurance agent, erroneously terminated my insurance coverage. 

Shellpoint Mortgage servicing company, then placed my account in escrow and started charging a higher rate of about {$5300.00} instead of my usual {$3600.00} a month. 

I realized this in XX/XX/XXXX and got my homeowners coverage reinstated ( my homeowners insurance agent-XXXX XXXX apologized for the error and got it reinstated ) I have since reached out to Shellpoint Mortgage services many times to reduce my monthly payment back to {$3600.00} a month. This is after I provided proof of homeowners insurance coverage. 

This includes at least 7 to 10 different phone calls in the past 30 days as well as 7 to 10 emails following up. I received an email shellpoint Mortgage services stating that would be a refund in the escrow account, however, after I spoke with the agent today, XX/XX/XXXX, the agent informed me that there was - {$1500.00} in the escrow account. The agent I spoke with today responded that they would not be able to lower my mortgage for at least another 12 months Could you please assist me in getting my refund as well as lowering my monthly mortgage amount back to {$3600.00} a month? 

I believe it is fraudulent and deceptive practice to charge a customer higher than the agreed monthly mortgage payment, despite my efforts to show them that I have adequate homeowners insurance coverage through XXXX 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 2023-06-01
Company: JPMORGAN CHASE & CO.
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, we purchased an attraction pass with the merchant, XXXX XXXX, in the total amount of {$200.00} ( Exh. 1 ) for 2 persons or $ XXXX to be used on XX/XX/XXXX, the selected activity date. A week after the purchase, I changed my mind and requested a full refund of the total amount paid of {$200.00}. However, on XX/XX/XXXX, the merchant only issued an arbitrary refund of {$66.00}. 
According to the merchants cancellation policy ( Exh. 2 ), Full refunds will be issued for cancellations made at least 15 days before the selected activity date and a cancellation fee of JPXXXX XXXXXXXX will be applied before the selected activity date. Considering this cancellation policy, the total refund due is {$190.00} ( {$200.00} - {$4.00} = {$190.00} ). Therefore, the merchant still owes the remaining refund of {$120.00} { {$190.00} ( total refund due ) {$66.00} ( amount partially refunded ) = {$120.00} }.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-01
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
This claim pertain to XXXX credit card. I have signed for a 18 months interest fee credit on purchase from XXXX XXXX back on XX/XX/XXXX, which would be due by XX/XX/XXXX. I have made my last payment on this purchase on XX/XX/XXXX, with a deposit of {$2000.00}. However, to my horror surprise, I was charged with a XXXX dollars in interest which I believe is fraudulent. The contract, lack transparence, as no where is to see such charge. Also I have never received any notification from this bank regarding my account and upcoming payments. 
I have tried to settle with the bank over multiple phone calls I made, without a resolution. The agents would have same script answer as there is nothing to do in this situation, so every time I tried to escalate to a supervisor I would be disconectted.

Company response to consumer: Closed with explanation