BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have a XXXX 's credit card. The store ( s ) billed me for XXXX extra water heaters to my home over charging me {$1100.00}. The bank serviced by XXXX Bank told me I had to see the store which I did. It took over a week & more than a few trips to resolve. In the meantime my closing statement of XXXX/XXXX/2015 was showing me OVER limit & requiring a larger payment since the error put me {$94.00} over limit. I called their customer service # & spoke to XXXX who was very uninformed to the credit biz which I have been in OVER 49 years. I told her about the error & wanted to know what my payment should be before XXXX/XXXX/2015 & she insisted it was the {$420.00} which was on the inflated balance of {$1100.00}. I told her that was n't right & she kept stating the payment was based on the average daily balance. If I do n't owe the money how could I have a balance that high? She kept saying the same thing over & over & I was getting no where with this ill informed clerk. I paid the higher payment & got the next billing with a XXXX/XXXX/15 cut off but only crediting me with the returns & not the interest credit. If I owe XXXX & they make a mistake of {$5000.00} the first day of my billing my average daily balance is {$5000.00}, but I owe NOTHING! So they bill me@21.00 % turn around & give me the {$5000.00} credit back on the next statement & NO interest credit so I have been charged 21.00 % for XXXX month or 1.75 % for the month on {$5000.00} or {$87.00} in interest NOT due them. This probably does n't put them in a violation of exceeding credit card limitations on rates in Florida but it might elsewhere. But they sure are stealing a ton of money from the public!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
On XXXX XXXX, XXXX my application to Bank of America for a mortgage modification was declined on the basis of a fraudulent property appraisal. The false and inflated property valuation resulted in a failed NPV test. 
Even though no house ( of that model ) had ever sold for such amount in the history of the subdivision, the appraiser valued my house at {$700000.00}. I objected, and it was reappraised for {$690000.00}. The values are absurd considering : There are vacant abandoned houses in the next block ; At the time of the appraisal no homes in the subdivision or area had sold in over a year ; On-line services valued the house between {$540000.00} and {$600000.00}. 
When I received a copy of the appraisal, I phoned the appraiser to question the basis for his valuation. I was told that Bank of America was his client and those were his instructions. 
Finally, on XXXX XXXX, XXXX a house in the subdivision finally sold. The exact same house as my house, same model, same builder, same subdivision, XXXX blocks away, sold for {$570000.00} ( see Exhibit A ). 
In XXXX XXXX, upon renewal of the homeowners ' insurance, the insurance company would only insure the house {$530000.00}. They said that it was the maximum that the house could be insured for because that was its replacement value ( Exhibit B ). 

So, if an identical house in the same neighborhood sold for {$570000.00} and the insurance company states that the replacement value of my house is {$530000.00}, how does Bank of America 's appraiser get a valuation of {$690000.00}? 
Bank of America is obliged to follow all rules and guidelines for the servicing of conventional mortgage loans, including, critically, rules relating to the Home Affordable Modification Program ( HAMP ). Bank of America did not follow the rules of HAMP in connection with my account. 
Had Bank of America properly reviewed my application and not applied a fraudulent property valuation when I applied for HAMP in XXXX XXXX, I would have been found eligible for a HAMP modification that would lowered my monthly payments by at least {$1500.00}. 

Instead, Bank of America used a fraudulently inflated property valuation to cause my application to fail the NPV test. Since then I have taken nearly {$40000.00} in credit card cash advances at 24 % interest rates to keep the mortgage current, which has damaged my credit and caused me and my family great anxiety.

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 2015-04-24
Company: WESTERN UNION COMPANY, THE
State: OR
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX XXXX, 2015 I made an online money transfer through the Western Union website. The MTCN tracking number is XXXX. The receipt for this this transaction ( as well as the webpage ) stated, and I quote, that the funds will be " available in receiver 's country XXXX XXXX, 2015 ( may be available sooner ). '' Additionally, the bank and account I used to have the monies debited from informed me that the money was withdrawn and sent to WU on Tuesday XXXX XXXX. On XXXX XXXX XXXX, my bank informed me that WU had the money and even provided me with a " trace number '' to provide to WU that the funds were distributed to them. The issue I now have with Western Union is that they are not scheduled to clear the funds to the recipient in the receiver 's country unit Monday XXXX XXXX at XXXX, one week after the original transfer was made, and two business days past when the receipt they provided me promised the funds to arrive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: LoanCare, LLC
State: CA
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: Their investigation did not fix an error on your report

Complaint:
LOANCARE : reported late payments. At Covid-19 Pandemic, legally you could go on Forbearance for six ( 6 ) months which should not effect your credit or be considered late. On the credit report it shows XXXX days, XXXX days. Of course, this was agreed upon between Loancare and myself. Although on the XXXX. month XXXX payment was paid. I had called in to see what to do and asked if I wanted to extend the forbearance for another six months which I did not want to. Then, I paid the total of the payments at the end of my term, ( total of {$17000.00} ) so I stay current. Also, somehow XXXX days the payment was sent they had miss placed it in a different department, they found it later were supposed to straighten it but never did. 
XXXX XXXX XXXX. The lates they show is completely wrong. They were on XXXX pay and tried to make sense with them. This was supposed to be straightened up but never did.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: Admin Recovery, LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Debt collector, Admin Recovery, contacted an unrelated, third party about a debt I owed to a company. This person was not listed as party to the debt so I 'm not sure how Admin Recovery even got their contact information. When Admin Recovery called the person, it was not for the purpose of verifying my contact information. They told this third party my information and what the debt was related to, including the company name even though they were not asked what the call was regarding and did not verify who the third party was before discussing the debt and/or company with the third party. They were also told that the person they were looking for ( me ) could not be reached at the number they were calling, however, they proceeded to discuss my information with the person on the phone anyway. 

Admin Recovery was told by the third party that the third party was not related to the account in question, had never been related to the account in question, had no knowledge of the account in question and that they should be calling the person who was responsible and listed on the account in question. 

When I confronted XXXX different reps, XXXX and XXXX XXXX, from Admin Recovery about their company contacting a third party regarding about me, they denied doing so and said that I was lying and making things up. Little do they know I have a screen shot showing where they called the person 's phone along with the date and time of the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: FL
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:
See letters sent, personal info needs to be updated, unauthorized inquiries need to be deleted and the violations on the accounts listed need to be deleted

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 2022-10-29
Company: Experian Information Solutions Inc.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
My rights under the fair credit reporting act my rights were violated in the following ways ; withholding notices, privacy violations, requesting report for impermissible purposes, failure to follow proper debt disclosure procedures, furnishing and reporting inaccurate information, furnishing and reporting old information, and mixing files.etc. 
I disputed accounts that are fraudulent and they were not deleted and deemed to be accurate which is not the case because they were opened up fraudulently which I already notified all credit reporting agencies several times.

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 2015-05-07
Company: Fidelity National Information Services, Inc. (FNIS)
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I am having issues with Chex-systems. I have filed several police reports with the XXXX in reference to an identity theft issue that I have going on. Someone continues to use my identity to open up loans with credit unions that lead to inquiries on my chexsystems. I filed an initial police report and refiled another report after there were accounts opened fraudulently and I just finished amending my police report once again because i have had continued issues with identity theft. Chexsystems in reporting several fraudulent inquiries on my file I have only opened a XXXX checking account and have not authorized for any institution to access my chexsystems file. XXXX should be the only inquiry that i should have reporting on my file an chexsystems is reporting several fraud inquiries on my report. I am attaching a copy of my XXXX police report which has been amended already because of recent fraud. I am requesting for Chexsystems to remove the fraudulent inquiries from my chex systems file the only inquiry that should be reporting in XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX, around XXXX, Chase Bank restricted my accounts ( both checking and savings ) and informed me that they will close my account soon, but did not provide any reasons for that. The specialist told me that we after the account is officially closed, they will send me the check for the funds in my account in 12-15 business days. 

On XX/XX/XXXX, my accounts were officially closed. Since the official closure, I made numerous phone calls to Chase Bank, and the information provided by the specialist is not consistent and makes them untrustworthy. It has been for 16 business days and 23 calendar days since then, I made a phone call to check the updates yesterday, the specialist replied that they were still reviewing my funds and could not provide a specific date when they could finish the work. 

It cause serious inconvenience to my life, and they still continue to delay the date of sending me the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: EQUIFAX, INC.
State: TN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Received marketing offer after opted out

Complaint:
My financial information has not changed in over 10 years, but 18 months ago my wife decided to apply and activate a new credit card. Within 30 days of that action, we began to receive financial junk mail from various financial institutions around the country with offers from refinancing our home to being approved for credit cards. These unknown financial institutions know exactly how many credit accounts we own, a mailing address and sometimes phone number, the exact balance of each of those accounts, and somehow know that my wife is a veteran. 

After several hours on the phone with my bank, I determined that the only other people in the country that it could be would be the credit agencies. Low and behold I found information online that says exactly that, these credit agencies are sharing our private financial information with predatory scammers. 

I can not believe after all the negative media coverage about credit agencies and and stolen identities that they are still allowed to give out this private information. We did opt out for life a few weeks ago, but that is the incorrect solution. It has been proven that people are stealing other people 's identities and creating credit card accounts with the unauthorized junk mail being sent by these financial institutions. We should not have to figure out that we have to opt out of getting our identities stolen. 

I want to know why in this day and age of stolen identities and financial fraud that the U.S. government and the Bureau of Consumer Financial Protection is NOT protecting us from these predatory institutions. Their job is to report credit to specific organizations that WE allow to get our credit history and it 's your job to regulate this. It 's not their job to send out private information about our lives so we can have our identity stolen and our bank accounts emptied by predatory scammers. When will these credit agencies e.g., XXXX, XXXX, Equifax, etc., by law, be required to stop creating business for themselves? That 's exactly what they are doing, creating business for themselves off the backs of unsuspecting American citizen. That is absolutely asinine and fraudulent. I expect this to be resolved and while I 'm waiting for an answer I 'm cc'ing this to my congressman.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Navient Solutions, LLC.
State: MO
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:
Navient has changed the terms of my loan without my knowledge or consent 3 times over the last 5 months. When they do this, I am removed from my income-sensitive repayment plan and placed on a normal repayment schedule, which results in payment amounts that I can not even come close to affording to make. So, without my knowledge or consent, they have forcibly invalidated the 12 month income-sensitive repayment plan that I did agree to, resulting in late fees, damage to my credit, and a neverending financial crisis on my hands through no fault of my own. I make my income-sensitive repayments on time and consistently, but that does not seem to stop them from illegally invalidating the agreement which we both entered into ... .THREE TIMES. 
I am at a loss for what to do about this. I can not spend the next 30 years calling Navient every 3 weeks each time they illegally invalidate my income-sensitive repayment agreement. 
PLEASE STOP THESE PREDATORY MONSTERS! THEY ARE BREAKING THE LAW!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX XXXX XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States 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 a account without my written instructions

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 2015-10-08
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
CHEXSYSTEMS HAS FAILED TO REMOVE ALL NEGATIVE REPORTING HISTORY FROM CHEXSYSTEMS REPORT. ALL ACCOUNTS THAT ARE LISTED IN CHEXSYSTEMS WERE INCLUDED IN CHAPTER XXXX BANKRUPTCY. BY LAW THIS ACCOUNTS HAVE TO BE REMOVED AND DELETED FROM MY CHEXSYSTEMS REPORT.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Hello, I am writing to dispute information on my consumer reporting file. I have been a victim of identity theft and believe there is false information on my file. 

Specifically, I have been living abroad for 3 years and I learned that while I was abroad my identity was used by a third party, potentially family member, who had my information and was aware that I was out of the country. 

Please remove all records for the past 3 years as they are not valid nor a result of my actions. I have not utilized a XXXX account during my time XXXX, thus any records for this time period are likely from fraudulently opened accounts. 

Attached is a relevant IC3 report for your reference.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: ERC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I did n't have the money to pay the bills at that time. I 'm willing to start a payment process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-29
Company: Professional Finance Company, Inc.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have insurance and the hospital did not submit my insurance information to cover the costs for this bill. I've called the hospital multiple times to have them add my insurance to the bill. They failed to submit any of my information and now my bill has been sent to collections.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-29
Company: Incomm Holdings Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
On XX/XX/2022, I purchased {$2.00}, XXXX ( XXXX {$500.00} each ) of prepaid XXXX  cards at a grocery store that were issued by Incomm. When I opened the packaging on the cards, I saw the last XXXX digits were missing on XXXX out of XXXX cards. In addition to the last XXXX digits being missing, the back of the respective card had no cvv code. 

I opened a complaint with Incomm and was assigned case # XXXX. I sent documents showing the missing numbers on the card as well as a picture of the receipt. 

On XX/XX/XXXX, I received an email saying I would be issued replacement cards within 7-10 business days. It has been 20 business days but I have not yet received the replacement cards. 

I have called the company multiple times to ask them to resend new replacement cards with a balance of {$1000.00}. As of my last call on XX/XX/XXXX, the customer service rep initially said that given the 7-10 business days timeline had long since passed, she would need to talk to her supervisor about sending new replacement cards. After talking to her supervisor, she came back on the line and said they can not issue new replacement cards and I needed to wait until XX/XX/XXXX, before calling back as maybe the original replacements cards had been delayed. 

Given that its been more than 30 days since the original complaint and the fact that the replacement cards have most likely been lost in the mail, I am filing a CFPB complaint rather than waiting on whatever new timeline Incomm makes up.

Company response to consumer: Closed with explanation