BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-07
Company: SYNCHRONY FINANCIAL
State: VA
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 numerous collection calls on my Business phone for individuals not associated to me or my business. I have spoken to representatives and explained that this is a business number and that the people they are looking for are not associated with this number. This has not stopped the calls. I have received close to 100 calls over the last month. Some calls come within minutes of each other. the last time I spoke with a representative on Friday I told them I would file a complaint with the FTC and Attorney General of my State if the calls continued which they did over the weekend and again this morning. This is what I am now doing. I am attaching a copy of my phone statement indicating the numerous nature of the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my Amazon credit card two weeks ago. I told Synchrony that I paid, and told them to stop calling me. I have a statement from Amazon that they received it. Synchrony has continued to call me. They called me twice Friday, twice yesterday, and XXXX this morning waking everyone up. I can not get them to stop calling although I have made several requests and settled my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-11
Company: Green Trust Cash, LLC
State: OK
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
I took out payday loans when my husband was n't working ( a 15 month period ) so that we would not have to pay car payments, housing, or utilities late. Since then the interest has eaten us alive where we ca n't pay them off. We 've had to pay them off and renew multiple times and now I have found out they are n't even licensed in Oklahoma. They withdraw the funds from XXXX and I am having to close my account. I was told to file a complaint since they are n't licensed to do business in Oklahoma. Please advise. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX  ( 3 ) XXXX XXXX XXXX, XXXX - XXXX 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 non-monetary relief
Consumer complaint received 2022-03-22
Company: Flagstar Bank, N.A.
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
This has been actively ongoing for several years. I am XXXX of the homeowners that the Government sued Flagstar about. Flagstar continued with the fraudulent practices. I am trying to settle with my lender and start a new clean slate. Only I do not understand some of their terminology. I cant get any one person to kindly let me understand just what they wish me to sign. We have discrepancies on numbers and are we then finally rescinded from our bankruptcy? Contracts were sent with 10 days to sign and I can not get any answers from my mortgage company. I do not have a lawyer retained. My bankruptcy lawyer is trying to retire. I have asked Flagstar for clarification with many of the statements in this contract they give me ten days to sign. The XXXX payments Flagstar refer to have not been explained. I do not owe XXXX XXXX payments to my mortgage company. Does this contract eliminate my current bankruptcy? Flagstar said they could and would rescind the bankruptcy I filed to prevent a foreclosure I was never even close to being in. Flagstar has this merry-go-round ( as the Federal suit described it ) fraudulent mortgage practices, suspense accounts, misapplied payments and several other factors I just can not get even their task force to review my loan in its entirety. I have filed Loss Mitigation packets as directed by Flagstar in which have never been reviewed. Its Flagstar practice that a homeowner not pay their monthly mortgage while under review... only it never did get reviewed. For nine months my loan came up under review. I received a letter saying I had ten days to pay back those payments. Most people would have been led into foreclosure at that point. I did pay up and was still filed foreclosure on. I simply want my loan reviewed.

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 2016-01-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I am disputing a 30 day late that was places on my credit report by Chase. I am refiling this because I did not dispute the response that Chase gave on XXXX/XXXX/XXXX. The email that I received from the CFPB on XXXX/XXXX/XXXX did not indicate a time frame for me to dispute by so I now have to refile instead of dispute it. 
I received a courtesy call from Chase 's Customer Support Team on XXXX/XXXX/XXXX at which time I was told my account was past due and made a payment of {$270.00}. The customer support lady told me not to worry that I would not receive a late notice against my credit. In addition, the lady discussed an option of setting up auto pay through her, which I agreed to as it would avoid this from happening in the future. However, much to my aggravation, a late notice was placed on my credit report and the auto pay program was never set up for my credit card account. Given I was told by Chase that I would not have a hit on my credit and they ended up reporting one, this credit late notice is a bank error. 
On 4 different occasions I called Chase 's Customer Service to see if we could resolve this late payment problem and I requested the support individual to pull up the call from XXXX/XXXX/XXXX to prove that this conversation had indeed occurred. On each call I would be bounced between departments being told that I was talking to the wrong department. None of the departments were able to resolve removing the late notice or find the call on XXXX/XXXX/XXXX. At the end of each of the 4 calls with Chase I was told they would look into everything and get back to me. I never heard back from any of them. 
After not getting any responses from my calls to Chase I decided to wright a letter to Chase 's Executive Office on XXXX/XXXX/XXXX and promptly received a letter back on XXXX/XXXX/XXXX which did not even address any of my concerns. I called XXXX XXXX, the rep from the Executive Office that wrote the response letter, to ask why they did not answer my questions and never received a response. I called again and was put in touch with XXXX XXXX and she looked into everything and could not find the call from XXXX/XXXX/XXXX and without it I have nothing to prove that this is a bank error. Given all of this Chase has determent that there is no evidence of a bank error. This has hurt my credit and will cause unknown amounts of money in potential lost money. 
I would like to have the 30 day late be removed from my credit given I was told that it would not be reported making this a bank error. 
I would also like the CFPB to add the 60 day response time limit to their emails regarding company response so consumers are told of this timeframe. I have attached the email that I received from the CFPB that clearly does not indicate a response time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12
Company: AES/PHEAA
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I'm in the Public service loan forgiveness program on XX/XX/XXXX my loans that were eligible for the program were transferred from XXXX XXXX ( XXXX ) to Fedloan. Every year I get closer to forgiveness the more problems I am having. Last year they miscalculated the amount i was suppose to pay which was {$54.00} ( now {$65.00} ) and my payment shot up to {$240.00} which they promised to refund for their error and never did. They said I turned in my re-certification form too early ( XXXX ) but didn't notify me that my account was going to go up until XXXX less than 2 weeks before the {$200.00} payment was due. 

Current issue : I was sent my yearly employee certification form on XX/XX/XXXX and re-certified no problem. On Monday I went in to look for my re-certification form and it was missing. When i asked them why my form was missing they told me I wasn't eligible for program I had been in since XXXX. 

I know this seems like no big deal but it took over 3 weeks several e-mails and phone calls to get the {$200.00} bill resolved and they didn't keep a single promise from their phone calls. I need someone to help me sort out exactly what these people are doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: CL Holdings LLC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I can't remove a credit freeze on my Equifax account. I needed to apply for a new credit card but the application got blocked by Equifax. I went online multiple times over the course of the last several months, the most recent time being today XX/XX/2022, and it still shows the message stating that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' even though I have waited months for this " temporary '' issue to resolve. I also tried calling multiple times and their automated system wouldn't verify me to allow me to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: Experian Information Solutions Inc.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2022-03-22
Company: EQUIFAX, INC.
State: CA
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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-22
Company: SOUTHSTATE CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
XX/XX/2022 yesterday I was told by XXXX that when I put money into the account I could get my debit card and when I put the money in my account they refused to give me a debit card and said I won't win if I took it to court basically threatening me and poor customer service this southstate bank is located at XXXX XXXX XXXX XXXX XXXX fl XXXX several representatives including XXXX and XXXX were involved and gave rude service and were a part of the false advertising scandal I was told before they could give me a debit card then they refused afterwards I got proof the money was put in then taken out

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: MD
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:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account no XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 response to consumer: Closed with explanation
Consumer complaint received 2016-04-13
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I started the refinance process in XXXX 2015 with J P Morgan Chase and even after filing a previous complaint have yet to sign loan documents and complete the loan process.There has been no explanation not even from Chases executive branch as to why the process has taken so long. I have received letters on more than one occasion stating that I requested to withdraw my application, but never submitted such a request. After providing all documents perviously it was stated by the processor that certain items were n't received, although the mortgage banker had proof of submitting the documents. The privacy of my personal information has n't been taken into consideration. There has been no care or interest from the processor nor executive branch to assist the mortgage banker to bring this to a positive closure. It was previously stated that loan origination fees were XXXX % of the loan value now recently receiving the 3rd set of closing documents its XXXX %. It 's as if I 'm being penalized for complaining about horrible service and not being treated fairly. I refuse to believe that a large lending institution such as Chase who handle XXXX loans has such unethical standards toward lending practices. I would like to know how many loans that began when I initially started have closed in a reasonable amount of time ( I do understand every situation is different ). I am truly appalled at the thought that my ethnic background and the mortgage bankers as well are the catalyst for the delay. I would 've never imagined that my current lender would attempt to keep my rate high for their benefit and provide such horrible customer service. This has been a disturbing and a horrific experience to say the least! Please assist me with this inexcusable situation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-16
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed a copier lease as the owner of my previous company, XXXX XXXX XXXX financial and insurance services with TIAA. I closed my company on XX/XX/2021 in the midst of the corona virus crisis. While there were still lease payments remaining on the lease, TIAA abandoned the property. I offered to return the copier to them and to return the unused cartridges. TIAA refused saying that my copier was too old and told me to simply throw away the copier and cartridges which I did. Now, over 1 year later, they have turned me over to a collection agency and told me to deal with them on the remaining lease payments. I have closed my business and there are no assets remaining in the business. The lease contract was in the name of my business and not in my name personally. Yet, they are trying to collect a debt that is not owed by me and for property that they abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
After reviewing my credit report I noticed several unauthorized accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-08
Company: U.S. BANCORP
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
on XX/XX/2020 i contested a charge on my bank debit visa card and the bank put the money back into my account claiming provisional ; however after the 60 day period on XX/XX/2020 they reversed it and are forcing me to give it back because they favor the merchants who give fraudulent service. 
THE U.S.BANK REVERSED A CREDIT MORE THAN 60 DAYS AFTER THE INCIDENT COMPLAINT ; AFTER THE HOTEL DENIED WHAT HAPPENED. THE HOTEL DEFRAUDED ME BY PUTTING ME IN BROKEN ROOMS AND THEN LET THE MAID OPEN THE DOOR BEFORE CHECKOUT TIME AND WITHOUT MY PERMISSION TO OPEN THE DOOR CAUSING HER TO COMMIT TRESPASS. THE BANK HAS FORCED MY ACCOUNT INTO OVERDRAFT AND IS BILLING ME FOR DIFFERENT AMOUNTS FROM {$67.00} NOW {$25.00} WITHOUT ME PAYING ANYTHING. THEY SUDDENLY FOUND SOME MONEY IN MY ACCOUNT THAT THEY OVERCHARGED ME FOR DIFFERENT TRANSACTIONS.

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 2022-08-17
Company: EQUIFAX, INC.
State: GA
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$4300.00} ; XXXX XXXX XXXXXXXX Balance : {$830.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} ; XXXX XXXX  XXXX Balance : {$220.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX & XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16
Company: EQUIFAX, INC.
State: VA
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:
In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
FCRA violations : payments never late XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$1000.00} Status Open. 
XXXX Potentially negative Date opened XX/XX/XXXX XXXX {$0.00} Status Closed.

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