BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-19
Company: SYNCHRONY FINANCIAL
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
Call last month XX/XX/2022 to make payment, but it was late at night and I needed a few more dollars to make payment, the agent for XXXX realizing it was late at night agreed that if I paid by the XXXX I would not be charged a late charge, which I did and I still am being charged a late charge. I asked for them to listen to the call from that night and they that what I was saying is correct. They promised to do so and get back to me, but couldn't give when it would be, in the meantime I would have to pay the over charges and if I'm right I would be refunded the over charges, that's not good enough, I should be compensated for all I've gone through. I went by what I was told. I also asked for a copy of the phone call I made on XX/XX/2022. How do I file a complaint, can I begin a case for damages with you. I hope this complete if not contact me at XXXX or at XXXX. 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 monetary relief
Consumer complaint received 2021-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
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 have a XXXX XXXX account that due to a financial hardship went to charge off, I contacted XXXX to find a solution. They offered me a settlement to pay a reduce amount of money and just close the account, the settlement was for {$310.00} when the balance was {$770.00}, now I had no money, but I informed XXXX XXXX I would call in a couple days to pay it, they told me the offer was good for the rest of the month. 

A couple weeks later, I called again to pay the settlement, I was informed the account was sold to a debt buyer Portfolio Recovery Associates. I contacted this company multiple times until they were able to access to the account, when finally, they were able to access to my account they said the XXXX XXXX offer had expired and they can not honor. They said they purchased the debt so now they can ask for a different amount. I asked the dollar amount account was sold for, but they refused to answer that question. 

This is an unfair practice from XXXX XXXX and Portfolio Recovery, unfair because XXXX XXXX  sold the account before the settlement offer expires and unfair from Portfolio to do not honor the offer and do not release the sale dollar amount. I completely understand that Portfolio Recovery is in the business of collection unpaid accounts, but they would do a lot of profit on my account even if they honor the XXXX XXXX settlement and if they think I am wrong they can proof it showing the dollar amount of the sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04
Company: National Enterprise Systems, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving a call daily for a couple of months from National Enterprise Systems. They leave a message on my answering machine to call a number from a debt collector. Since I have no outstanding unpaid debts, I do n't answer or respond to the call. The number they ask me to call is : XXXX. The call, today, came from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: MD
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX XXXX XXXX is reporting my mortgage payments as being delinquent on my credit report for during the period we were modifying the loan with the loan originator - Bank XXXX is the servicing agent and they were instructed that during the modification period we were not required to make payments yet they still reported our payments as being not made. I have repeatedly addressed this with them - I have spoken with XXXX Mortgage who owns our mortgage and they instructed us that they informed Bank XXXX not to report any late payments on our credit report since they did not require the customer to pay during the modification period. We had a previous modification that took over 6 to 7 months and that was not a problem with any reporting but for what ever reason this last modification is showing up on our report as non payment during the modification - if that was the case I would have continued to make the payment because previously to the modification, all payments were made on time. Bank XXXX has refused to fix this mistake and now it 's becoming a major issue because we are trying to apply for other funding and its affecting the results due to this mistake.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
did not request credit increase from XXXX XXXX dept store and it has damaged my credit

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX was never on my past credit reports ( XXXX/XXXX/XXXX # # # # XXXX, XXXX/XXXX/XXXX # # # # ; or XXXX/XXXX/XXXX # # # # XXXX, until after my bankruptcy in XXXX, and approximately a year later XXXX report it being included in my bankruptcy already confirmed by a judge, I never signed any documents for any recent open account noted XXXX/XXXX/XXXX credit bureau in XXXX. Approximately 8 years ago, I order a small item and returned it to them. No account was opened. In XXXX it is now noted and was reported on my credit as included in my bankruptcy which brought my credit score down XXXX points. I contacted XXXX and they noted they did not include me in any bankruptcy but it is still reporting on my credit report. My attorney did not submit, there was no reason. Also, the law requires that a bankruptcy be filed every XXXX to 10 years and Transunion credit bureaur are reporting it more than once which are duplicates of just XXXX in 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 2022-10-12
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Refund anticipation check
Issue: Fraud or scam

Complaint:
I used a tax preparer to file my income taxes for XXXX in XXXX of this year ( XXXX ). Once I sent him all of the pertinent information, he told me what my return amount would be. However, he lied about the amount, as I was not even able to track it on the IRS ' website, he also never gave me a copy of my return or allowed me to authorize it. My refund never showed up in the account that I authorized the XXXX preparer to send it to. 
I later found out that the preparer had my refund routed to a third-party service then known as XXXX ( now XXXX Bank ) , that he had allegedly taken his fee out via their bank, they had also taken out their fees, and then he allegedly sent the remainder of my refund to a completely different financial institution ( Wells Fargo ) than I had authorized him to. I reported this incident to the IRS and was told to contact the preparer ( who can no longer be reached... surprise surprise!!! ) and they also did an investigation ( if that's what you want to call it ) that took XXXX months. After those XXXX months, I still have no resolution. I have reached out multiple times to both XXXX Bank ( XXXX XXXX ) and Wells Fargo and they both continue to pass the buck and play games with my money/livelihood. XXXX Bank maintains that Wells Fargo is not cooperating with them, and Wells Fargo claims that they have no record of any wrongdoing, because they don't have the account information in order to investigate. However, XXXX Bank claims they have sent numerous faxes and e-mail to Wells Fargo requesting that they fill out an indemnity form, but Wells Fargo Execs and branch representatives continue to claim that they ( allegedly ) have never received anything from sender ( XXXX Bank ). So, here I am, months later, still without my refund because of an apparent scammer and ***hole who has inconvenienced me and my family ( of whom includes a XXXX XXXX ) beyond measure. Luckily, a taxpayer advocate did assist me recently and gave me some pretty valuable information/advice to proceed with things. I just want this situation resolved so I can move on with my life and continue to take care of my family. I'm a single parent ( not by choice ) after COVID hit, and enduring such an unplanned event is taking a toll on my health. I want the tax preparer to be held accountable for his actions, and I'd like a resolution to happen some time this 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 2017-04-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
This is in regards to Equifax statement of dispute about a Public Record that IS NOT CORRECT!. 

They have a Public Record on my credit which is not correct. I sent documentation to along with my dispute to show what they have is incorrect : Meanwhile I find it VERY hard to believe that they " verified that this public record item is reporting correctly and verified that this item belongs to you. '' in a little over a week.. I DONT THINK SO! 

I also question why they fail to leave there phone # or any contact info after the part where they say '' If you have additional questions about this item please contact ''. 

And this is what they said about Inquiries I disputed, " Inquiries are a factual record of file access. If you believe this was unauthorized, please contact the creditor. '' This is clearly a matter of them not doing there job, I say this because I send in the documentation to show I do not owe any one.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I closed my checking account with US Bank in XX/XX/XXXX. I had exactly {$1500.00} in my account when I closed it. I called US Bank to close the account and they said a cashier 's check in that amount would be sent to my mailing address in a couple weeks. 

A month goes by and I don't receive the check. I called US Bank and they told me to go to a US Bank branch. A representative at the branch was able to make an inquiry and on XX/XX/XXXX, I received a letter in the mail that contained a copy of the cashier 's check that was sent to me. According to US Bank, it was cleared on XX/XX/XXXX. The cashier 's check is correctly made out to my name, has my mailing address and was for the amount of {$1500.00}. On the back, it showed XXXXwo signatures : 1 was forged in my name and the other I don't recognize. 

However, I never received this check and the signature on the back is not mine. Subsequent trips to the branch were not helpful and they said I had to call US Bank. Calls to US Bank 's Fraud Department were also not helpful. They took down my details, but never called me back. I do have a claim number with them if that is helpful.

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 2016-05-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
Transunion refused to give me my free credit report. They claimed I had already received one in the previous 12 months. I have " requested '' it - first online - then by certified mail - with a letter explaining I had NOT received their credit report and if they HAD issued one in the previous year it would indicate identity theft. Still they refused and mailed me letter saying I could receive my credit report if I pay the amount of {$11.00}. I did receive my free credit reports from XXXX and XXXX no problem.

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 2015-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I have made numerous attempts to TransUnion to have the account XXXX XXXX XXXX ( account # XXXX ) removed from my credit report, and each time, I have been informed, this account has been verified, and there is no change to my report, in other words, the negative information will remain. I have also made numerous attempts to contact XXXX XXXX XXXX ( certified return receipt XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, XXXX class mail and telephonically ), and I have yet to receive any response in any form of communication from this company. I find it remarkable, TransUnion is able to gain verifiable, satisfactory and legal communication with XXXX XXXX XXXX, and I the person they claim has the debt, can not. 
According to the Federal Credit Reporting Act, TransUnion has a responsibility to report accurate information. It has been and continues to be my position that TransUnion is reporting inaccurate information. I have also sent you ( TransUnion ) several letters ( certified return receipt, first class mail and facsimile ) asking for your methods of verification and you have failed to respond. 
According to paperwork received from XXXX XXXX XXXX XXXX account # XXXX XXXX they are a debt collection agency, who purchased the account from XXXX XXXX XXXX the original owner of the debt ). Based on my TU credit report, XXXX XXXX is no longer reporting the debt because I did not owe the debt, and the delinquency date had expired, however TU has allowed the collection agency to continue reporting the debt and the debt has become extended passed the original delinquency date. 
I have also written via XXXX class mail, certified receipts ( which I can provide tracking numbers and signatures upon request ), and facsimile, asking TU to provide me with their method of validation, to which I have received no response. 
I would like TransUnion to discontinue reporting erroneous information on my credit report, and remove the account XXXX XXXX XXXX immediately. I would also would like to know their method of verification as outlined in the attached letters. I am attaching XXXX XXXX XXXX XXXX letters XXXX of which were received by TransUnion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have received a notice stating that I was placed in collections for an account at a XXXX. I have never been to a XXXX ever. I contacted the company and there is no account information at all which would make sense as I have never even been there. Please resolve this as quickly as you can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I 've been waiting since XXXX XXXX for the state of XXXX to investigate a tax lien against me. The lien was for unpaid state income taxes in XXXX, which was not valid as a I was a XXXX resident. Finally, the state 's taxpayer advocacy office provided me with the attached letter saying I did not owe the state and that the lien should be rescinded. I 've disputed the lien on my credit report for all XXXX bureaus, providing the letter from the state as proof, but the bureaus will not remove the item. I am seeking to have the lien completely removed. I 'm hoping this can be done soon, as I need to help my mom buy a car.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-19
Company: Synovus Bank
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have reached out to First progress multiple times requesting a XXXX balance letter to be mailed, faxed, and emailed. I have paid the account off in full before it has reached collections and have applied for a home loan and this would greatly impact my score if I could get what I requested. All agents I have spoken with have given me a run around and delayed precious valuable time.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: TD BANK US HOLDING COMPANY
State: KS
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:
There was a fradulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : XXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX There was another fraudulent inquiry on my credit report for a Bank Credit Card on XX/XX/XXXX by : TD Retail Card Service  XXXX XXXX XXXX XXXX, NJ XXXX No phone number provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
Bank of America Debit Card and Pandemic Unemployment Assistance Funds Debit card was never used and never funded My Independent Contractor unemployment claim filed in XX/XX/2020 should have resulted in XXXX retroactive benefits of {$600.00} per week for the months of XX/XX/2020 through XXXX of 2020. 

Weekly benefits were direct deposited by XXXX for XX/XX/2020 through XX/XX/2020 A XXXX  weekly benefit of {$600.00} was direct deposited on XX/XX/2020 and an amount of {$1800.00} was direct deposited XX/XX/2020. 

A total of 50 weeks XXXX should have been received or {$30000.00}. I received {$2400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
About ten years ago, or so, I closed my checking and savings accounts with Citibank. I met with the manager and a teller, zero ' the balance, got a receipt, and they were closed. Years later, I get a call from Collections stating I owe Citibank around {$5000.00}. Citi failed to close my accounts and started issuing overdraft fees and transfer fees for years. When I spoke with Citi, they confirmed they had my correct mailing address, email, & phone yet did not contact me, allowing this to accumulate for years until it hit my credit report. Everyone I called said it was not their department and gave me a phone number to someone else who said it was not their department. They kept pointing fingers between Citi 's financial services and Citi 's collections department. After a dramatic few months of speaking to a ton of Citi reps who all said they could do nothing, they finally admitted fault and paid all the fees. They damaged my credit report and then promised to remove the dispute status from the reports. I remember vividly speaking to the one final rep who distinctly promised that it would be removed from my credit reports and would not affect me adversely in the future. Now, about 6+ years later, the dispute status is still on my credit report ( despite saying there is zero dollars being disputed ) and I can not get the mortgage I need ( which is time-sensitive ). For weeks now, I 've been having to relive it all again, spending all my time on hold, begging for help. Citi reps were unapologetic and put me through another dramatic round of phone calls. In my last conversation they did say they would open a 30-day investigation. 
I called XXXX today and they were not very polite and also said there is not much they can do. They did say they would open a 30-day investigation. 
I do n't have 30 days. I was promised this was resolved & removed from my credit score years ago. I am in trouble now and being put through so much stress and being treated so cold and rudely by these agencies when I did nothing wrong. This has had a huge negative impact on my life. I am desperate for help.

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 2022-10-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
A check was deposited by my girlfriend and it came back as altered/fraudulent so the bank said they were closing the account. That is fine, however they are holding my funds for 60 days. This is unexceptionable. The funds deposited in the account are from SSDI and are federally protected. This is my only form of income and holding them will cause undo and unnecessary suffering on my part, no food, no gas, no bills being paid, and phone already suspended. If I read the law correctly they must make available at least 2 months of SSDI payments which are direct deposited into account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation