BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-29
Company: SYNCHRONY FINANCIAL
State: UT
Product: Credit card
Issue: Billing disputes

Complaint:
I used my Lowe 's credit card to make a purchase that qualified me for an interest deferred offer from Lowe 's credit card. The interest deferred deal was supposed to be good till XXXX XXXX. In XXXX XXXX I made a purchase using my Lowe 's credit card in the amount of {$220.00} - I made a payment of {$300.00} in XXXX XXXX, which more than covered this purchase and in XXXX I made a payment of {$120.00} to ensure I had more than covered the purchase made in XXXX, so as to not be charged any interest. Upon reviewing my statement ( Lowe 's credit card in essence forces the so called paperless billing down your throat which makes reviewing your statements more difficult than when receiving them in the mail ) I noticed that they had charged me interest. I called their customer service number, XXXX and spoke to XXXX. Basically he tells me that this charge of interest is within their agreement and too bad so sad for me. These slobs lure you into a deal then find an excuse to XXXX money out of 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 2015-06-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/XXXX, I made a purchase totaling {$85.00} on my JC Penny Credit CardAlmost a year later, in XXXX of XXXX, I received a notice from XXXX XXXX XXXX for {$230.00}. Not knowing what it was for, I contacted them and upon my inquiry realized it was for the purchase of the {$85.00} made the year before plus all of the collection/late fees. We had moved and the billing address was not updated to reflect the new address which I accepted responsibility for. I immediately contacted JC Penny and they had record of return mail and accepted and filed a dispute on my behalf. For the time period of XXXX XXXX XXXX I never received any information about my dispute, and the collection calls kept coming. In XXXX of this year, to finalize this, we negotiated the {$230.00} balance and settled with XXXX for {$120.00} which was paid. Two weeks after settlement and almost 7 months after filing the dispute, I received notice from JC Penny they were finding in my favor for the dispute and that they placed my account back in good standing. I then received a statement from JC Penny for {$110.00}, which is basically the {$230.00} less the settled amount of XXXX that was paid. Essentially all of the late fees. I contacted them to advise the account was previously settled and as part of that settlement the acct should be zero, but I get nowhere. I have attempted to speak with agents and supervisors on a few occasions, ( XXXX XXXX and again XXXX XXXX ) but no one seems competent enough to assist with this so I am seeking help to resolve this once and for all. I am now getting {$25.00} late fees assessed on the {$110.00} balance when there should n't be a balance. 
Thank you for attention to this matter and am willing to cooperate to get this settled quickly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to work with Bank of American to either get a modification for my XXXX and XXXX or to refinance them. Over the course of many months, I have tried every XXXX of the Home Loan Assistance they offer with denials because I either have XXXX high of a debt to income ratio or because I make too much money to qualify. That in itself does not make sense because they seem to contradict each other but that is besides the point. I have not missed a payment in the almost XXXX years I have had the loan and am struggling to continue with this record. About XXXX months ago my XXXX mortgage reset to a 4.00 % increasing my payment by about {$700.00} a month. I was working with them before this and they kept denying my applications. Now the XXXX mortgage is going to reset and raise the monthly payment another {$600.00}. I can not keep up with the increased costs. All I want is to refinance into a 30 year conventional loan to keep my payments affordable but they say I do n't qualify because of the 80 % loan rule. I owe about {$390000.00} ( that is including both the XXXX and the XXXX ) and the house is valued at about {$450000.00}. Because there is not enough equity they refuse to help. I do n't understand their reasoning because if I have been able to make the current payments how I would not be able to make the lower payments if I could refinance. I am not asking them to give away money, I just want to refinance to be able to keep my home and be able to pay back the mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: MRS BPO, LLC
State: FL
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:
XXXX XXXX XXXX is charging {$330.00} and it reflects as derogatory in my credit history in 2014. I did n't ever sign or even negotiate a contact with XXXX. I was studying abroad at the time.

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 2017-01-26
Company: EQUIFAX, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
Unable to report as they do not have anyone available to speak XXXX and when attempting to get address via online direct to Equifax their website said the information submitted was incorrect. I believe they have my date of birth incorrect and this has caused me to not be able to apply for any type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: EQUIFAX, INC.
State: ID
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:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID
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:
XX/XX/2019 divorce was final. 
The credit cards that are showing on my report are not mine. 
They were ex spouses accounts only. 
The judge ordered the ex spouse to contact XXXX XXXX and to make sure I was not listed on those accounts so they would not show on my report. 
I have court documents showing this order. 
These large accounts are showing on my credit report, however, since they are not my accounts, XXXX XXXX will not speak to me. 
They were never opened by me. I had my own cards in my own name.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-20
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
A Student Loan Company claims that I am owing $ XXXX for a Student loan that I never opened or attended classes. When I asked for the verification or proof of the original signed contract, the company just blows me off and provides some generic letter unrelated to my question of attempting to know anything about this loan. Under the FCRA I have a right to verify the debt but instead I received bills related to the loan.

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 2021-12-20
Company: EQUIFAX, INC.
State: KS
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: Investigation took more than 30 days

Complaint:
Please i need someone to help me here. I sent out my first dispute letter to Equifax XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are XXXX inaccurate accounts on my Equifax report and they are listed bellow yet Equifax or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. XXXX  days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
I have contacted Equifax several times, both in writing and by phone, to ask them to correct the personal information they have on file for me. ( Equifax has me with a " XXXX '' at the end of my name, and I am not a " XXXX ''. ) I have sent them proof of my identity and proof of my address several times and I keep receiving the same response stating that what they have on file for me does n't match the information they have. So when I call to try to update my information by phone their representatives tell me that they ca n't help me. I 'm not sure what else I can do but I really need Equifax to update my information and send me the results of the last XXXX disputes I sent to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
To whome it may concern I have contacted eqifax enguards to a chapter XXXX acct, an bankruptcy which has been asked to verify an velidate with complete proof of claim in which they have failed to do so, I have also contacted the courts for such information to know XXXX .would you please XXXX me an obtaining closer in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I notified barclays ( Re : Acct # XXXX ) that this account is the result of identity theft on my credit file and that I was not the person who applied for, or opened the account and that it must be removed. Not only did I not receive any response, but it is still on my credit file and they will not take it off. I did send them the affidavit as well as the police report along with my letter. I require further investigation into this account and I also requested a handwriting analysis as well as an affidavit from them swearing that i was the person who opened said account, which I did not. In addition to this, pursuant to section FCRA 603 ( o ) ( 5 ) ( A ) ( i ; iii ), I did not give authorization for this account to report on my credit file, so either way, this needs to be removed immediately.

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 2017-02-15
Company: Seattle Service Bureau, 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 settled my XXXX derogatory hits on my credit report. The original debt is the company XXXX XXXX. The debt collector that I paid was The National Service Bureau. I originally called to pay on XXXX XXXX, 2016 in the amount of {$880.00}. to close my debt. They told me that it would take about XXXX60 days for it to reflect on my credit report as closed. They also said that they would mail me a receipt of payment and a verification that the balance of {$0.00}. I never received a receipt and also it was still showing on my credit report. I called and I spoke to a lady that emailed me the receipt on XXXX XXXX, 2016. The receipt only shows the amount of {$440.00}. I look at my credit report it shows that I still owe money when in fact it has been paid and should be closed. This has been affecting my credit score for a little over a year after it has been paid fully.

Company response to consumer: Closed
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
I keep sending my one address with electric bill and state Id with the same address to have all of these incorrect addresses removed They won't removed these invalid addresses

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 2022-10-15
Company: Paypal Holdings, Inc
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Unexpected or other fees

Complaint:
XXXX, XXXX- Paypal " limited ''/ froze my account for supposedly breaking their Terms of service. Never told me why my account was limited even after trying to contact Paypal customer service. My account from " limited '' with approximately {$480.00} in the account. Paypal then sent me an email stating my account was limited for breaking their ToS and the money would not be available for withdrawal for 180 days. After 180 days of holding the money incase of charge backs or to settle and debits on the account, i was lead to believe that I would then be able to withdraw my money. 
XX/XX/XXXX - After 180 days, Paypal decided my untold breaking of their Terms of Service would be assessed a potential {$1500.00} fine. So they seized all the money in my Paypal account which was {$480.00}. After again contacting paypal, customer service, they still wouldnt tell me what my alleged ToS break is and why they get to steal {$480.00} from me. 
XX/XX/XXXX to XX/XX/XXXX- Multiple calls and emails with Paypal customer service, all they would tell me is that my account is limited and that there is nothing these customer service people could do about it. All emails were ignored and un answered. Only way to get into contact in any way with Paypal was to call them and wait 60+ minutes on hold. They kept saying " our back end staff have evaluated your account and have deemed that the limiting of your account was final. '' I couldnt get any contact info for the " back end '' people to get any answers. 
XX/XX/XXXX- XX/XX/XXXX - XXXX had pretty much given up on getting my money back and just let paypal rob me of {$480.00}. 
XX/XX/XXXX - Got in Paypal website to request my account be closed through their web portal. Paypal website notified me, I couldnt close my account from the website and would have to contact customer service. 
XX/XX/XXXX - Contacted paypal customer service XX/XX/XXXX, to request that all my PII ( personally identifiable information ) be deleted from their servers and my account be closed. Requested paypal delete all my banking account numbers as well as my SSN. Customer service representative XXXX ( reference number XXXX ) told me he couldnt do anything for me but led me to the Paypal website where I could request Paypal delete all my information from their servers. Upon using this website portal to delete my information, received an email stating they would evaluate my request. 
XX/XX/XXXX - Received email from Paypal stating they wouldnt delete my information from their servers because my account is " limited ''. Again called Paypal Customer service, again customer service representative said they couldnt help me in any way.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I am submitting this complaint about a XXXX card that I had. I paid this bill in full and they reported to the credit reporting company 's that they charged this account off as a bad debt. I have been disputing this information for over a year now. I called them numerous times and they XXXX do not even have a record of my first purchase. My first purchase with them was for approx {$320.00} ... ..I paid that off within 4 months ... .That card was down to a XXXX balance. Months later I receive a statement that I owe for finance charges and late fee 's. I 've disputed it also with all XXXX credit reporting agency 's. It keeps coming back that I owe this debt. I explained they are trying to charge me twice for the same product. I am fustrated as having this incorrect information on my credit reports is affecting my credit score. XXXX is absolutely wrong for trying to collect on a purchase twice.

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 2021-12-20
Company: United Collection Bureau, Inc.
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received treatment by XXXX XXXX XXXX on XXXX. They sent the bill to collections through United Collection bureau XXXX for {$600.00}. 
I paid the {$600.00} in full. 
My health insurance paid the claim on XX/XX/2021. The collection bureau is refusing to refund or correct the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
My account was recently closed for no reason I have not charged in some month 's but we are in a pandemic. This is a XXXX XXXX XXXX bank card. Reopen with a higher limit removal from My credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Other

Complaint:
We have a credit card with Barclay 's that we recently opened. We purchased about XXXX of goods and services and paid them off within 5 days of making the purchases. We then used their online system to pay them to full amount owed ( about XXXX ). We did this with the understanding that we would have access to the revolving credit line to cover cash flow. The have placed a 10 day hold on the account even though they have been paid in full and the bank account that paid them has already paid them. While these terms are in the user agreement, these terms were not disclosed in the application or in anyway until after this issue was discovered. They failed to release the hold and this puts my family in a difficult position as we paid them expecting to be able to finance our daily lives using this card. I believe that this practice is illegal as they have already received full consideration and have the money in hand. These sorts of practices are a way for them to hassle people and to make sure we know that the bank is boss. You guys should do something. I know you wo n't. But you should.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: Perfection Collection
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
after receiving a voicemail from someone whom identified themselves only as " XXXX?, a carrier for the area '', implying she had legal paperwork to be issued to me the following day at my home and place of employment, requiring identification and a witness, i immediately called back and got to " XXXX ''. I denied owing any monies to them, their employer, or the original creditor and requested validation. This was immediately met with a defensive attitude, i gave them my address, where they sent their first piece of correspondence to me, this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless, i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report.

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