BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-14
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I recently signed up with Synchrony Bank thru a zero interest promotion when purchasing replacement windows. When I applied for the line of credit, there was no mention or documentation that was provided to me about a {$29.00} activation charge for the account. Upon receiving the actual credit card and T & Cs and the first bill I noticed the activation charge. 

I have reached out to Synchrony Bank to have the fee removed on XX/XX/2020 at XXXX. 

I received a response on XX/XX/2020 at XXXX from XXXX XXXX declining the request as this is a common business practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX that I currently have another open account with Synchrony Bank that was opened without any activation fee. I also advised I have had Numerous accounts Over the years and not once was I charged an activation fee. I also reminded them that this activation fee was not disclosed at time of signing up for the account and this type of activity by Synchrony Bank could be viewed as cramming. I once again requested a refund for the charge. 

I received a reply on XX/XX/2020 at XXXX from XXXX XXXX once again declining the request as this is common practice on account activations by Synchrony Bank . 

I replied on XX/XX/2020 at XXXX once again explaining my stance and if I did not receive a refund within 5 business days I would be reporting this fraudulent business practice. 

I received a reply on XX/XX/2020 at XXXX by XXXX XXXX explaining that due to the nature of my inquiry, they had escalated my request to their corporate offices for handling.

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 2022-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Transunion, XXXX, XXXX  credit Completed multiple disputes for incorrrct information listed on my credit file and no validation ever sent just showed it was validated on report without any proof. I also requested review and deletion of late payments and negative collections disputed. I sent multiple letters by mail, disputed online. 
Late payments, self lender, XXXX XXXX 

XXXX XXXX  XXXX XXXX credit systems XXXX Fig loans Ad 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 2015-06-17
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My father went to the ER at XXXX XXXX XXXX XXXX in XXXX TX. The hospital registration erroneously thought I and my father were the same since we have the same basic names- XXXX XXXX XXXX although I have a XXXX name which is XXXX XXXX My father was n't able to pay some of his bills since he does n't have insurance. Unfortunately the hospital used my SS # and assigned it to my father 's account. This was sent over to the collection agency PROCOLLECT. Since it 's my SS # my credit report and score are now adversely affected. I contacted ProCollect and even sent documents so they can change the SS # to my father 's but they refused to help me. The account manager, XXXX, even accused me of taking over my father 's debt, saying I am now responsible for it. I did not sign any paper to assume my father 's debt, and XXXX could n't produce XXXX. I have contacted the hospital too, they sent me a letter apologizing for their mistake. Their business office, according to them, has contacted ProCollect so they can correct the error and XXXX the hospital assured me that ProCollect promised to fix the error which has not happened. 
I am writing to please beg and implore to help me with this situation. I can still open new credits but with less favorable terms. I want to shop for auto and home insurance but I get less favorable quotes because my credit score plunged from XXXX to XXXX. All I 'm asking is for ProCollect to change the SS # on file on my father 's record from mine to his since the debt in question is not mine. Until this day they refuse to do so and I am being punished for something I did not do nor obligated to settle. I will attach documents as soon as I know how to do so. Thank you very much

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is my second complaint about the same problem. 

Fifth Third services my mortgages. Despite this issue having been " resolved '' by the previous CFPB complaint, it continues. 

A letter, dated XX/XX/XXXX, arrived in early XXXX claiming they " reached out '' to my insurance company but were unable to verify my insurance. 

On XX/XX/XXXX, I attempted to use their web-based form to provide this insurance, but got XXXX XXXX. On XX/XX/XXXX I was successful in submitting the information. 

Today, XX/XX/XXXX, I got two letters, one dated XX/XX/XXXX, saying they are going to force-place insurance, and a second letter, XX/XX/XXXX, with nonsensical claims about changing the mortgagee clause, even though the mortgagee clause is already as they requested. 

All of these letters make threats about force-placed insurance, and I believe Fifth Third intentionally and negligently maintains these dysfunctional systems intended to force me into an expensive and unnecessary insurance product.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a number of fees for two of my credit cards for late payments. These statement balances were paid in full within a 24 hour period. My statement balances are paid, in full, every single month. The CC company decline to go back more than three months for any of the fees listed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: LEXISNEXIS
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have been denied for products and or services based on information received from NexisLexis. However, when I have requested the report based on the information received from NexisLexis, I have been informed that they have no record of me in their database. This has been going on for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: General Motors Financial Company, Inc.
State: PR
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
THIS ACCOUNT ARE FRAUDULENT OPEN BY SOMEONE WHO STOLEN MY IDENTITY, FRAUD ACCOUNTS THE ACTION THAT WERE TAKING FTC.GOV REPORT AND A POLICE REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: KEYCORP
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I WAS ASSESSED ATTORNEY FEES ON XXXX/XXXX/15 {$11.00} & {$150.00} ON XXXX/XXXX/15. 
WHEN I CALLED THE BANK ON XXXX/XXXX/15 I SPOKE WITH AN XXXX XXXX FOR AN HOUR, WHICH TIME HE TRIED TO TELL ME THE BANK HAD MADE A R.E. TAX PAYMENT ON MY BEHALF, WHICH IS TOTALLY FALSE AND EVERYTIME I TOLD HIM THIS HE GOT MORE BILIGERENT WITH ME TELL ME THEY DID. I EXPLAINED TO HIM THE CITY OF XXXX, ME. WOULD HAVE TOLD ME THEY RECEIVED A PAYMENT AND THE BANK WOULD HAVE ADDED IT TO MY BALANCE. FINALLY AN HOUR INTO THE CONVERSATION HE ADMITTED THE BANK DID NOT MAKE ANY PAYMENT ON MY BEHALF. WHEN I ASKED THAT HE CREDIT THE FRAUDULENT ATTORNEY FEES HE JUST SAID NO AND THATS THAT. I ASKED FOR ANOTHER NUMBER TO CALL AND HE REFUSED TO GIVE ME ONE UNTIL I THEN SAID I WOULD CONTACT XXXX & XXXX ATTY GENERALS OFFICE. I NOW CONTACTED XXXX XXXX AT THE XXXX RESOLUTIONS OFFICE, WHO TOOK A BRIEF STATEMENT FROM ME AND SAID SHE WOULD NEED ABOUT A WEEK, AT WHICH TIME SHE CALLED WANTING COPIES OF MY CANCELLED CHECKS FOR MY TAXES, WHICH I PROVIDED. SHE THEN CALLED BACK AGAIN SAYING I PAID ON XXXX/XXXX/15 BUT THE TAXES WERE DUE XXXX/XXXX/15, FOR WHICH I EXPLAINED THE CITY OF XXXX, ME HAS A GRACE PERIOD, I ASKED IF THEY HAD RECEIVED ANY NOTICE FROM THE CITY OF XXXX SAYING I WAS LATE AND SHE SAID NO. ANOTHER WEEK PASSES AND XXXX CALLS TO TELL ME THE BANK ORDERED AN EQUITY REPORT ON ME, THEREFORE THERE WILL BE NO CREDIT. MY TAXES ARE PAID IN FULL AND I HAVE NEVER ONCE BEEN LATE ON A PAYMENT TO KEYBANK IN XXXX YEARS, THEREFORE I BELIEVE THESE " ATTORNEY FEES '' ARE FRAUDULENT AND UNWARRANTED. I HAVE SPENT OVER XXXX HOURS ON THIS MATTER AND I CANT BELIEVE A GOOD STANDING CUSTOMER OF A BANK GETS THIS KIND OF CUSTOMER SERVICE AND IS LEFT WITH NO RECOURSE WHEN THE BANNK ASSESSES UNWARRANTED ATTORNEY FEES ... ... ... ..IF THESES EQUITY REPORTS WERE A NORMAL PROTOCOL OF THE BANK WHY DID IT TAKE XXXX WEEKS TO COME UP WITH THIS LAME EXCUSE AND WHY WOULD THEY NEED TO ORDER IT ON SOMEONE WITH SUCH A PRISTINE CREDIT RECORD ... ... ... .I DID NOT ASK FOR REPORT TO BE ORDERD NOR DO I BELIEVE ITS WARRANTED, THE HOUSE IS WORTH ABOUT XXXX AND THIS HELC OF XXXX IS THE ONLY DEBT ON THE HOUSE

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-26
Company: ENCORE CAPITAL GROUP INC.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In  XXXX   two  times was contacted by Midland Funding LLC also  XXXX ,  XXXX ,  XXXX  by phone an have come to home they have Also called my parents home threating to sue me when they came to my home they screen my name out loud my daughter was home alone and was afraid I have asked them to not contact me again back in  XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Notice of Transfer of Mortgage loan was not provided in a timely manner. 
Transfer occurred XX/XX/XXXX Notice occurred XX/XX/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 explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: NV
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 XXXX account number XXXX has violated my rights, i requested to validate this debt but did not get response from the debt collection agency, how did you verify this account? this is against HIPAA violation to release a medical record without my authorization, I did not remember giving XXXX XXXX to release any of my medical records to XXXX XXXX XXXX. Please Investigate this account and XXXX did not send a letter for me to validate that this account is mine FCRA says by law they are required to send me a letter to validate this before they can collect and report this to credit bureaus.

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 2017-05-26
Company: AMERICAN EXPRESS COMPANY
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
AMEX, checked My Credit report without my agreement I called to try an get the agent to removed them from my report. they has me speak to more then one agent to get this resolved. *We are seeking the following to have sir-pressed from public. have Points added back on My Credit Score.    The Following agent ID Number :  XXXX   XXXX   XXXX   XXXX  The agent that submitted the 2nd inquiry on my report.    XXXX   XXXX   AMEX   XXXX   XXXX ,  XXXX   XXXX ,   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  AMEX  XXXX   XXXX ,  XXXX   XXXX ,   XXXX     XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX  (  XXXX  )  XXXX  Seeking the sir-press ion of these  two  items

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-07
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax Data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-26
Company: TCF NATIONAL BANK
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
Sent a dispute letter asking for the Original creditor name and address under 15 USC 1692. Never answered by affidavit and stole the car when a cease of collection of debt after put in dispute in violation of Fair Debt Collection Act, XXXX XXXX, The XXXX XXXX XXXX and non-consentual tow. I am a consumer and not a artificial entity. I am not deceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-18
Company: CITIBANK, N.A.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
My husband and I tried to pay a security camera installer with XXXX. I never had any problem before but it didnt go through this time even I put him in my contact beforehand. Its been pending over a month and weve been called Citibank more than 15 times but they say theres nothing they can do or no specific reason. Today finally I got a person in charge with XXXX and she asked me what your case number is. She was saying the compliance team was supposed to email me about it. Nobody emailed or called us to explain whats happening our XXXX payment. Im afraid that our installer might sue us for 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 2022-03-24
Company: TRUIST FINANCIAL CORPORATION
State: GA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Opened XXXX children saving accounts at same time when it was suntrust no problems when it became truist and I try to access the 5 accounts on line can't see 2 of them called truist 4 times and everything I have to wait an hour to talk to some one and when some one comes on they tell me 2 of the accounts are restricted but no one can tell me why or who done this. Even been to 2 different branches and get told restricted but don't know who or why and can unrestrict them. Only way I can get balance is driving or calling branch. If accounts get hacked won't know until I go to bank or call them. This problem has been going on for a month.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/ 2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for my disputes. Section 611 ( a ), it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2017-01-05
Company: PHH Mortgage Services Corporation
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
I, along with my former spouse, originated a home loan in XX/XX/XXXX with a maturity date of XX/XX/XXXX. Upon our divorce in XX/XX/XXXX, I was advised that the loan had been refinanced to remove me from the loan and subsequently signed a quit claim deed to relinquish my ownership rights. In reviewing my credit reports, I have since determined that the mortgage obligation still remains under my name. In communicating with PHH Mortgage, it has been determined that the loan has been modified twice and the terms of the original agreement I signed in XX/XX/XXXX have been changed without my knowledge or consent. The loan maturity date is now slated for XX/XX/XXXX, 17 years beyond the terms I originally agreed to and signed for. PHH was fully aware of the fact that I no longer owned the home ( as they have the quit claim deed on file ) and that the marriage had dissolved as of XX/XX/XXXX, yet they knowingly processed changes to the loan terms without question or concern and did so without ever contacting me or obtaining my signature to agree to the changes. I have called PHH repeatedly to have this resolved and have my name removed from the loan, to no avail. I have even been advised by a PHH representative that they can not provide me with further details regarding the loan activity because I do n't own the home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-25
Company: EQUIFAX, INC.
State: TX
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXXXXXX {$33000.00} XX/XX/22 I DO NOT HAVE SS # XXXX  15 U.S.C , 1681section 602 A. XXXX 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Coastline Financial Resources, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These XXXX debt collectors are calling me from XXXX using the oldest one in the book about officers serving papers to me. I owe no debts to anyone so this is a bogus claim and that tactic has been used for years. I 'd like to file a complaint against them. They said to call XXXX Coastline to correct this. Definitely a scam. Please stop them from harassing and scamming people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-07
Company: Colony Brands, Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I HAD A ACCOUNT WITH SWISS XXXX AND PAID IT OFF BUT ITS STILL BEEN ON COLLECT AND CREDIT BREAU WOULD NOT REMOVE AFTER SENDING A LETTER FROM SWISS. ALSO THERE HARD INQUIRIES THAT I DID NOT APPLY FOR AND ASK FOR DELETION FROM XXXXXXXX XXXX XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: PHH Mortgage Services Corporation
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PHH gave incorrect and misleading information on how to correct my final acceptance packet. They never corrected the problem as promised and misled me during the process. 
When they had n't corrected my packet as promised, they went to forclosure on my property never taking responsibility for mistake. Please make them correct my accepance packet. I did everything that I was ask for in a prompt matter.

Company response to consumer: Closed with explanation