BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-17
Company: U.S. BANCORP
State: MI
Product: Credit card
Issue: Other

Complaint:
Hi, I would like to file a complaint against XXXX XXXX XXXX, XXXX for stopping payment on XXXX checks that they had issues for me back in XXXX and XXXX 2016. 

On XXXX/XXXX/16 I received a statement from my bank XXXX XXXX indicating that XXXX checks returned due to stop payment by XXXX XXXX XXXX credit card company. The XXXX check was issued on XXXX XXXX 2016 in the amount of XXXX and the XXXX check was issued on XXXX XXXX, 2016 in the amount of {$5.00} dollars. My bank statement also indicated that I was charged {$20.00} for stop payment fee for a check. I called my bank and asked who stopped the payment on these XXXX checks and I was informed that XXXX XXXX XXXX issue the stop payment and that I needed to call them to inquire to the reason why they did that. I assumed that because I deposited the checks after 90 days that this may be the reason why. 

I called XXXX XXXX XXXX and shared above information and asked if the checks can be re-issued and I was informed that the account had been closed since XXXX XXXX XXXX has transferred all XXXX VISA accounts to U.S. Bank since XX/XX/2016. I was informed of the transfer of my account to US Bank but was not sure at this point who is responsible to re-issue the checks. I asked XXXX XXXX XXXX if they can re-issue the checks and their response was that they will not be able to because they no longer have my record and that U.S. Bank XXXX master card have my record and should be able to issue me my money. 
I called U.S. Bank XXXX XXXX card and explained all above and they indicated that they do not have my previous record and that they could not help me and that I should call XXXX XXXX XXXX. Once more I called XXXX XXXX XXXX and informed them of what U.S. Bank representative indicated that XXXX XXXX indicated that they can not re-issue the checks because my account have closed and they no longer have access to my account. My question is is that the checks was originally issued by XXXX XXXX XXXX, and not US Bank but each is asking me to call the other and none want to explain how I can retrain XXXX my money. Please advise to the best course of action given the situation. I am informed that XXXX XXXX XXXX have nonpolcies in place for such circumstances and there 's nothing I can do and that the my money Will not be reimbursed because my account is closed. Is there something I can do to retrieve the money. Look forward to your advise. 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 2017-05-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
ATTN : Legal  Department, This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FCRA ), section  623 , subsection (  8  ) ( D ). The specific information under dispute is the derogatory nature of the information your agency has furnished to the credit reporting agencies in connection with the following accounts : The basis for my dispute is that, as I understand the code, your office was required to notify me, in writing, prior to, or no later than 30 days after furnishing any negative information to the consumer credit reporting, that such information was being furnished. This notification is required under the FCRA, section 623, subsection (  7  ) ( A ). To date, I have not received any documentation in compliance with this section.   I am requesting that you provide me with proof of notification, i.e. a copy of the actual notification sent, and proof that it was delivered to me in a timely manner.   If you can not provide proof of notification and date of receipt then you can not substantiate that you complied with the procedures required under the FCRA. In which case, the continued reporting of negative information to the credit reporting agencies in connection with the aforementioned accounts  may  constitute the reporting of false information, causing damage to my reputation and future credit worthiness.   I have a unverified account on my report that from a Company N/A #  XXXX  all that is states is that it is a MEDICAL account there is no company name on it. The I also have 2 account from  XXXX   XXXX  that are listed wrong. These accounts has been disputed for very poor records keeping and inaccurate filing of my account status.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
My wife and I went into Ashley Furniture in XXXX Florida town center. They approved both of us for a loan for {$1600.00} a piece. We picked out bedroom furniture and a mattress and put down {$1500.00}. We signed the papers and went home. A couple of weeks later we got a letter in the mail stating we only got approved for {$1500.00} a piece. I called and they told me to wait till the furniture was delivered in a few months so the account would show the difference. I wanted to cancel and was told it would be a {$1200.00} restocking fee.I told the manager why would I pay {$1500.00} dollars and get approved for {$1600.00} only to get my furniture delivered and be in the hole. I would of never walked out of the store knowing that. I wouldnt of signed the papers and went else where. It also showed up as over the limit on our accounts. l told them it would and hurt mine and my wifes credit. I cant believe they do people like that. I have been working on my credit for a few years to get an over the limit action on our account that isnt our fault. I feel Ashley Furniture was very deceiving in how they done us and its unfair to be treated like that. I knew once the payments where due on t h e accounts I wouldnt have enough money to pay the over the limit fee and both our monthly payments. I did pay our agreed amount and was jacked with an over the limit. I would of never in my right mind sign up for something like that. Please help me stop the big corporate guys from misleading hard working people.

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 2016-12-09
Company: U.S. BANCORP
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
My credit card number was compromised and unauthorized charges appeared on my statement. I informed Elan Financial Services and a new credit card was issued. All fraudulent charges except for XXXX have been removed. I contacted Elan Financial Services several times, and customer service has not yet removed the last remaining fraudulent charge of {$140.00} made on XXXX XXXX, 2016 for " XXXX. '' I am requesting CFPB assistance as unfortunately it has been nearly one month with no removal of this unauthorized charge on my Fidelity credit card issued by Elan Financial Services.

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 2018-05-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I opened a new car loan account with XXXX XXXX ( XXXX ) in XX/XX/2018. I've made two monthly payments of XXXX. I've spoken to their customer support about why I've not see this account reported on the three CRA 's. They informed me that they have reported to all three but the CRA 's still is not reporting account. Please add this account to all three agencies. I've included their customer report number for your contact.

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 2017-05-11
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Citibank closed my Sears credit card account without warning, and they sent no notice after closure. They allowed me to continue thinking that the account was open and available for use. When a purchase with my card was denied, I discovered the account was closed. According to customer service the account was closed for inactivity. Inactivity is a particularly poor reason to close an account that only works at a particular department store. How often must someone shop at Sears to keep their account active?
The problems : 1 ) Citibank issued a card with an expiration date, but did not honor it up until the expiry. 2 ) Citibank 's term  s of service ( " ToS '', as of  XXXX  ) did not define account dormancy, thus failing to inform clients on account usage.  3 ) Citibank  's ToS reserves the right to give no warning prior to account closure. While withholding a warning may be appropriate under some circumstances, it 's abusive to give no warning in the case of dormancy clos ures. 4 ) Citibank  did not give notice of the closure after the fact, and the ToS does not give Citibank the right to withhold that information.

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 2017-01-27
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My lender is stating there are no home retention options since my previous denial XX/XX/2016. My application was re-submitted XX/XX/XXXX because of changes of circumstances. SPS never provided denial reasons or provided denial letter, in addition, the P.O.C was changed without notice, had I not called in to find out I was never properly notified. I last spoke to the previous P.O.C who verified we will be re-submitting file. After that, lender felt the need to only communicate with me instead of my attorney when they know very well that I have XXXX. SPS has never tried to contact me in the past until I retained an attorney. I am now facing a foreclosure and not being told the exact reason for my application being denied.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Rocket Mortgage, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I have been trying to refinance with Quicken Loans since XXXX/XXXX/2015 the process has been a painful one. they have been disrespectful, changing my numbers ( the good Faith estimate ) XXXX times even on the day of the closing. In addition to all of that, I did the so called closing on XXXX/XXXX/2015 and I signed all the papers including the HUD. They called me today XXXX/XXXX/2015 saying my closing is cancelled and I have to re -close.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: Merchants and Medical Credit Corporation, Inc.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
A woman calls up to XXXX times a day and has left several messages on my employer 's voice mail stating that she is calling regarding an unpaid debt. My employer has threatened to relieve me of my duties if they continue to contact me at work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX made an error on my credit report which has put a stop on my home loan. Due to this negative report I paid the account in full XXXX 2016 but they charged me a fee in error and reported as negative. I have tried to get them to remove this charge after several attempts They are saying it takes 30-45 days ... I feel that if took them 1 day to damage my credit it should take 1 day to correct their error. They admit to the error but refuse to correct my credit asap. Please help me resolve this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had credit card debt roughly {$3000.00}. My debt had been transferred to XXXX XXXX XXXX ( XXXX ). My debt attorney settled the case for {$400.00}. I have made XXXX installment payments of {$100.00} totaling {$400.00} to account # ... XXXX SYNCHRONY BANK. I was hoping I had resolved this account with my full payment. 
However, the last payment was misapplied to the incorrect account # ... XXXX GE CAPITAL RETAIL BANK, which was another debt with XXXX which I have and contesting. 
Therefore, leaving me at {$300.00} paid, and the other {$100.00} misapplied. 
I 've continuously called, emailed, sent bank documentation providing payments and receipt. I 've also involved my lawyer hoping to resolve the case. Unfortunately, they have not contacted my lawyer back. My lawyer notified me to " file a complaint with The Consumer Financial Protection Bureau. They have previously sanctioned XXXX for bad faith collection conduct. '' Therefore, I am contacting you and can provide more detail at your request.

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 2015-05-30
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Late fee

Complaint:
After years of heavy usage and flawless credit with my XXXX XXXX credit card with XXXX, I was involuntarily transferred to Synchrony Bank. On XXXX Synchrony charged my account a {$25.00} " late fee '' even though it was n't until the next day XXXX that Synchrony emailed me instructions on how to register on their website to set up payment. So today I sent them payment in full -- minus the {$25.00} -- and closed the account. But how many other poor consumers paid the {$25.00} " late fee '' because they could n't afford to close the account, or because they did n't see it among their legitimate account activity? It 's dishonest, bad business, and should be regulated against during involuntary transitions from bank to bank. Please help me stop Synchrony from engaging in this practice. Please help me stop Synchrony from reporting this alleged " late '' payment on my credit report which is otherwise perfect. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I was sick with XXXX i provided them proof per the US credit cares act if affected by pandemic, i am now capable of paying my bill but i was never deliquent and they put my account as deliquent knowing i was hospitalized for XXXX fighitng for my life. i submitted dispute and first they send me email that it is being removed 30-60 then they send another email days later its only being removed if i pay balance my next payment per care act isnt due till XX/XX/XXXX and further more they can not report negs to agency per care act if hte acct was NOT neg prior to my being sick and it was NOT neg.. i demand the resolution of all negs removed from my credit report RIGHT NOW they give you the run around they scam clients the reviews are horrible and i am also going to make a stink to XXXX to ensure XXXX no longher uses them.. this is fraud all together this company is committing fraud and i want them investigated now and my credit report fixed asap

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 2021-12-28
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX ( Original Creditor : 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 2016-02-15
Company: Stellar Recovery, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have previously filed XXXX complaints regarding this issue but XXXX XXXX has now referred the matter to a fourth collection agency. I nor my wife owe XXXX XXXX anything.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: AES/PHEAA
State: AL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I ca n't lower my payment ( {$50.00} ), had two forbearance agreements on this same loan amount. Not sure how this has effected my credit, my payment amount, or how they did it on the phone with me not signing or me reading any part of an agreement on-line or in hard copy. The amount never seem to go down even when I have made large payment. Now I feel it was not worth even trying to get an education at all due to all this debt it has cause me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: Experian Information Solutions Inc.
State: NC
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:
Credit Bureau continues to list unverified information.     Despite my  three written requests, over the course of 3 months the unverified items listed below still remain on my credit report in violation of Federal Law.  In the results of Experian 's re-investigations, they stated in writing that they verified that these items are being reported correctly? However, they still have not identified who in their company verified the accuracy of these accounts or how they verified them along with the documents they used to verify them and continue to list them as accurate which is a violation of my rights and damaging my credit worthiness.     In addition, there are several inquires listed on my credit report as a result of someone fraudulently trying to obtain credit in my name. I do not have any business with these companies, have not applied for credit or have given them permission to be there and have advised Experian of this as well as their fraud department and no action has yet to be taken.

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 2017-05-11
Company: Duncan Solutions, lnc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is a  contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount  of  XXXX  CENTS which I paid.     They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received  no letter except the orginal violation, which is entirely another subject,  XXXX    XXXX   XXXX  . I paid th at one fin e. They are in violation of the fair debt collection practices as well.     There is no account number, the dates are every single day except Sundays for at least  two  months now.   Their number they call from is  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-11
Company: First National Collection Bureau, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a letter from the  XXXX   XXXX   XXXX   XXXX  on or about   XXXX   XXXX   XXXX   They claimed to be collecting on behalf of  XXXX   XXXX  for the amount of {$900.00} ( to  XXXX  Bank with acct number but no other information and I have no memory of such an account ), of which they are willing to accept a total of {$270.00}. I have  XXXX  recollection of any such debt, so I sent them a debt validation letter on   XXXX   XXXX   XXXX   ( as is my right under the Fair Debt Collection Practices Act ). I sent it Certified Mail with Return Receipt through the  XXXX .  XXXX  picked up the letter and signed for it on   XXXX   XXXX   XXXX    . ( I have proof of both mailing and receipt. ) In the letter I sent, I requested that they send me ANY information they have about this supposed debt, proving that I owe it, and that they can legally collect the alleged debt. I gave them 30 days to do so but received nothing from them.     Yesterday,   XXXX   XXXX   XXXX    , I received a call from  XXXX , once again requesting payment of this alleged debt. They have sent me no proof that I owe such a debt and refuse to give me any further information beyond, " this is a valid debt. '' If it 's valid, they need to provide me with reasonable proof of such and, as of yet, they have not done so.

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