BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-06
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Rewards

Complaint:
I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.

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 2020-10-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Companies Involved : Date : XXXX - XXXX XXXX XXXX XXXX XXXX, BOFA, Foundation Escrow, Homeland Security, FBI, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Had Bank  XXXX XXXX XXXX XXXX XXXX XXXX XXXX BOFA. We were in a real estate transaction buying a home, XXXX XXXX was our agent. Foundation Escrow was the escrow involved.

Somebody got phished and the escrow company, Realtor ( XXXX XXXX ) Lender, and us the buyers were communicating with the hackers. Wire Instruction were emailed to us by the escrow company BUT they had actually been sent to us by the hackers. We sent {$480000.00} to Bank of America XXXX Escrow in XXXX, TX. later the same day approximately 4-hrs, it was discovered by us and escrow that we had been scammed. Immediately XXXX XXXX XXXX XXXX was notified *Origin of Transfer, FBI was notified, Bank of America was notified & XXXX XXXX Realtors, there was a KILL CHAIN and reverse put on the $ XXXX. Unfortunately, BOFA had already released {$280000.00} to a XXXX XXXX  and BOFA had the remaining under their control. We hired an attorney XXXX XXXX. Nobody would take responsibility and we had to start filing lawsuits against XXXX XXXX XXXX XXXX they threatened us or coursed our atty to accept {$5000.00}. settlement. BOFA demurred everything our attorney submitted then settled for {$3000.00} stating it was a nuisance settlement and they had no liability, Foundation Escrow paid $ XXXX and XXXX XXXX settled at $ XXXX - Our attorney fee 's were over $ XXXX. That was the legal outcome of the lawsuits. FBI never contacted us or would talk to our attorney. Homeland Security was able to get back $ XXXX and XXXX ( appropriate numbers ) BOFA returned the XXXX 90-days after the hack that happened on XXXX. We were in litigation for approximately 2-yrs There were people prosecuted because of our case but we never found out any type of details. We are still out {$58000.00} ( approximately ) How would we know if that money is recovered? What can a consumer do that trusted all the parties involved until the incident and everyone was pointing at the other. We don't trust any of them, is there anything we can do? How could we find out if our money was recovered and find out where it is ....

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 2017-10-13
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Chase has an issue understanding what an available balance is. When the consumer facing side shows an available balance, it apparently means unavailable in the Chase system in their benefit. On multiple occasions, including last night, my direct deposit is displayed in my available balance and then an hour later transactions are posted to my account, and despite the consumer facing side showing and available balance of {$1900.00} at approx. XXXX I was charged an overdraft fee at approx. XXXX for a transaction that displayed as being posted at approx. XXXX. I have been told by Chase that their system has no time stamp of when the consumer facing side shows the available balance addition of the direct deposit or the time stamp for when transaction are actually posted as being paid from my account. I find that excuse to be an insufficient explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-06
Company: General Motors Financial Company, Inc.
State: TN
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
THIS IS MY LAST REQUEST FOR RESOLUTION. I WILL FILE SUIT FOR DAMAGING MY CREDIT UNDER THE FCRA. FIRST REQUEST MADE XX/XX/XXXX Company has not reported good status updates in over 30 days. They are required under the Fair Credit Reporting Act to report status once every 45 days. They have not reported since XX/XX/XXXX. 

Due to Gm Financials failure to report it looks like i have a bad payment history and it has cost me a total of 6 loans  since XX/XX/XXXX and countless other credit cards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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 XX/XX/XXXX I went to the Mortgage broker to get pre-qualify to purchase a home. To my surprise I was denied. They said it was because of negative information on my credit report, which does not belong to me. I was confuse, after months of doing some in depth research with the help of some friends and family, It was clear that I was a victim of identity theft. I eventually went to ftc.gov and got instructions on how to dispute the negative information. I submitted my first id theft dispute along with detailed documentation as proof that I was a clear victim of Identity theft XX/XX/XXXX to Transunion. Transunion responded by deleting 1 of the 2 negative accounts that did not belong to me, they stated that after the investigation they have found that I was responsible for one the accounts which is XXXX XXXXXXXX XXXX. Thats it, no evidence or proof of their investigation.

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 2020-10-05
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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: TRUIST FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Disputed : XXXX/XXXX/XXXX CFPB : SunTrust Bank/Light Stram & XXXX XXXX XXXX XXXX Account : XXXX In XX/XX/XXXX I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is : SunTrust Bank with an original debt of {$6300.00}. 
I have just completed my accounting for tax purposes and found that I have paid {$600.00} to the creditor via the consolidation program and my balance now due is {$5700.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last ( 6 ) months and have not been able to receive a response to any of my communication. 
On XX/XX/XXXX I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC and it has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer to the creditor on XX/XX/XXXX to pay off a remaining balance of {$6300.00} was declined by the creditor of which I am grateful as my financial accounts highlights that balance as being incorrect and if it were accepted at that time, I would be liable for paying far more that what is actually owed and I request that the amount owed be corrected to reflect the payment made of {$600.00} via the consolidation company and report the actual correct balance of {$5700.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

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 2020-10-05
Company: EQUIFAX, 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3100.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- COLLECTION ACCOUNT 1. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3100.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: AFNI INC.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent the company a letter asking for debt validation and I did not receive anything from them. I received a collection letter a week or two after I faxed the debt validation letter to them, as if they were just assigned the debt, which is not the case. I faxed another letter disputing the debt on XX/XX/XXXX and I still have not heard nothing from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I recently looked into my credit and found a list of unauthorized inquiries I reached out to the companies and was told to contact the credit bureaus I also filled out an FTC 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 non-monetary relief
Consumer complaint received 2020-10-05
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Recently, I was notified that I needed to check my XXXX  account. When I did, I learned that a Southwest Credit Systems, L.P. had reported me twice for an account that was previously PAID ( XXXX XXXX XXXX XXXX year 's ago in the amount of {$230.00}. I am DISPUTING, this reporting to my consumer credit file ( s ). I was NOT contacted prior to these reporting 's for the exact same account. I will fax any and all supporting documentation. Any information shared with the Consumer Financial Protection Bureau will be strictly for the purpose of this complaint " only ''! The company 's aren't authorized to use any personal information outside of this complaint.Coleman @ XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XX/XX/2020 I dropped off a form SSA-2458 at my local Chase branch, as directed by the bank 's reclamation team. While the reclamation team assured me that the branch would know where to send the form ( the ACH area of the Reclamation Department ). That was not true as the branch staff ( including the branch manager ) had no clue what to do with the form The morning of XX/XX/XXXX, I received a voicemail from the branch indicating that they figured where the form should go and scanned in the document to " the right people ''. 

After two business days, I have not heard anything further on the status of the hold in the amount of {$1500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-03
Company: Experian Information Solutions 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: Personal information incorrect

Complaint:
Wrong Home address on my report is effecting my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: Diversified Adjustment Service, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am being Charged for early terminaton fees on XXXX contracts I cancelled due to being mislead and I feel that XXXX also falsely signed another contract that they did not make me aware of they had me sign the 2 year contract with them using an electronic sign pad then told me that It did not take the first time and that I had to sign again they never told me that I was signing XXXX contracts they also told me that because it was XXXX special I was getting a Free speaker which they charged me XXXX for I would have never bought the speaker for XXXX if they would have told me the truth. When I called XXXX corporate office they said that the employee had been terminated and that they would credit my account XXXX but that they had my signature on the documents when I told them that it was fasley signed they also said that t was my problem I have had many complaints and all they can reaasre me of is that the employee was terminated and that I was not the only person this employee had done this to. I fell that I should not be reponsible for having to pay these terminatin fees due to feeling like they have violated my rights and in a sense commited fraud against me for copying my signature onto documents that I had not agreed to

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-07
Company: ALLY FINANCIAL INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My prior mortgage servicer is holding my escrow balance for an unacceptably long period of time. 
I refinanced my home and closed at the end of XXXX, XXXX ( the loan that was paid off was account # XXXX serviced by Ally Bank ) and am owed an escrow refund of {$5600.00}. 

On XX/XX/XXXX, I contacted Ally by email and asked " I have not received my escrow balance reimbursement from my loan that was paid off in XXXX Why can you not transfer the funds electronically ( you certainly received prompt payments electronically )? If you can not ( which I find hard to believe ), when and how should I expect to receive these funds? '' They responded : " A request to have the check stopped and another reissued to you has been submitted. Please allow 3-5 business days for processing, at which point the check will be sent to you via US Mail. '' I did not ask for a check to be re-issued and they failed to address my question, they but introduced additional delays. 

I continue to wait for my {$5600.00} since XXXX. I called their service center 2 days ago and was told to continue to wait. I believe this wait for my funds is excessive and would appreciate any intervention into their unacceptable delays and unprofessional practices ( including being evasive and holding owed funds for, literally, months ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Money order
Issue: Fraud or scam

Complaint:
XXXX / XXXX / 17   XXXX  a  USPS Money Order fo r  XXXX .     Transferred  XXXX  of the money order funds by money gram wired transfer.   Discovered money order probably fraudulent and reported to Chase Bank and  XXXX   XXXX . Money ordered received under alleged  XXXX  to  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-05
Company: Local Management, LLC
State: SC
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:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2022-09-16
Company: Self Financial Inc.
State: KS
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 had contacted this company on a separate public forum regarding these fraudulent accounts, yet the response they gave me was less than adequate to say the least. 

I had a Secured Credit Card through them I got years ago, to which I paid off and left it be. This company is not only reporting that I have an outstanding balance of XXXX XXXXXXXX.which I dont..BUT is also stating and sticking by that I have numerous missed payments and the card was charged off.THIS IS COMPLETELY FRAUDULENT ON THEIR WND BECAUSE I HAD THE ENTIRE BALANCE PAID OFF AND NEVER USED IT AGAIN!!!! How would I have missed payments and a charge off with no balance??? If you look at all the other complaints on here you can see this is a normal occurrence for this fraudulent company.THEN THEY SAID I OPENED TWO other credit builder accounts months apart from each other WITH GUESS WHAT??? More late payments showing up.I NEVER OPENED UP NEW ACCOUNTS WITH THEM. I cant stand this company after what they did with my credit card so WHY WOJLD I OPEN NOT ONE BUT XXXXWO NEW ACCOUNTS WITH THEM.!??!!??!!? Then they tried to tell me they have proof that I opened them and that they were used in the vicinity of where I live????? What does that mean???? Someone near me couldnt steal information? And open up fraudulent accounts???? DELETE THESE FRAUDULENT ACCOUNTS IMMEDEIATELY AND PERMANENTLY AND REMOVE THE LATE PAYMENTS AND BALANCE FROM THE CREDIT CARD TRADELINE OR DELETE ALL THREE TRADELINES OF LITIGATION WILL COMMENCE! I am being advised by my attorney to give you all this last chance, I would take it if I were you or face legal reprucussions.!

Company response to consumer: Closed with explanation