BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-04-04
Company: SYNCHRONY FINANCIAL
State: FL
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:
I have three separate credit card accounts with Synchrony Bank. 

Amazon.com Store Card account ending in XXXX PayPal MasterCard account ending in XXXX Lowes Advantage Card account ending in XXXX On XX/XX/2020, Synchrony abruptly and for no reason at all, closed all three of my accounts. See attached letter that was sent to Synchrony Bank, and closure letters that were sent to me. This can also be shared with Synchrony Bank in this complaint. 

Sincerely, 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 explanation
Consumer complaint received 2021-08-31
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ARS refuses to abide by any rules and regulations listed under FCRA or FDCPA. In the previous complaint they stated Our client, XXXX XXXX XXXX/XXXX  XXXX XXXX, is a provider of XXXX XXXX XXXX XXXX at XXXX XXXX in XXXX, FL. Which means that you are attempting to collect money on an account that you bought from someone else. This account does not belong to you and there for I am not legally obligated to pay ARS anything. Proof of debt owed, does not mean ARS has the right to collect on a debt.

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: Aldous & Associates, PLLC
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:
I have asked the credit bureaus to conduct an investigation multiple times on this debt and they state that it is accurate but it is not. 

ALDOUS AND ASSOCIATES Amount : {$460.00} In accordance with the Fair Credit Reporting Act, Aldous and Associates, 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 States that a consumer reporting agency can not furnish an account without my written instruction.

I have presented military orders showing that this account was in violation of the soldier and Sailors act. The account was suspended and the amount owed was presented in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: EQUIFAX, INC.
State: TX
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:
A letter was sent early XX/XX/2015 requesting verification. It has been more than 30 days and no response or update with the status of removing invalidated information reported by this agency/company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX and I am currently the owner of residence address XXXX XXXX XXXX XXXX, XXXX XXXX, Ca XXXX. My loan is with Citibank. The loan number is XXXX. I have been trying to get a loan modification with Citibank and we were almost successful with it. The loan modification that Citibank tried to give me was tremendously high. Citibank tried to charge me {$750000.00} for a condo that market value was {$300000.00} on XXXX/XXXX/2015. My monthly payments were going to be {$3000.00}. I would love to stay in my home but I think it is unfair for me to pay more than what the fair value market is. Citibank valued the property at {$300000.00}, please see attachments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-02
Company: CITIBANK, N.A.
State: NC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I had contacted Citi Bank on XX/XX/2020 to close my Citi XXXX account ending in XXXX and on the same day I had them close my regular Citi checking and savings account which they did. I told the man I spoke with that I wanted to close all three accounts and he assured me they would definitely be closed. The individual for whatever reason didn't close the Citi XXXX account and now they have charged me a $ XXXX  monthly service fee and show the account as overdrawn. The account was already at a XXXX  balance which is why I called in the first place to close the account. There is absolutely no reason for this fee since I made the big effort to call and close the account and I had to wait for over an hour on the phone.

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 2018-03-22
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I called XXXX on XX/XX/2018 and purchased a XXXX XXXX XXXX XXXX XXXX   for delivery to a friend, on my Account List, XXXX XXXX. When I got email confirmation XXXX clerk erroneously had it delivered to me, not him. Called XXXX and 3rd Party Vendor less than 3 minutes after order placed, both agreed to cancel purchase. 
I later purchased it, for delivery to XXXX XXXX for the XXXX advertised price of {$940.00}, XXXX XXXX XXXXSynchrony Bank continues to fraudulently charge me {$1100.00} not {$940.00}, the correct price pursuant to actua order placed and XXXX Website!

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 2015-12-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I cancelled my Macy 's credit card account in XX/XX/2015. Today, I got an e-mail telling me I have a balance of {$2.00} for " minimum interest charges '' even though I have had a XXXX balance for a month. I have confirmation from a customer service rep ( attached ) that my account was closed as of XX/XX/2015. 1-How can they charge interest on a zero balance and 2- How can I owe them money on an account that was closed a month ago? Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This item CAPITAL ONE BANK USA N is reporting late, yet it is closed and the balance is XXXX as reported in my 3 Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Southwest Credit Systems, L.P.
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:
Sputhwest credit systems added a debt to my credit report today. I called them provided my social and name and no one could find an account. I tried to dispute via XXXX  and system gave errors. Account number XXXX XXXX XXXX. I dont have any delinquent accounts. This is now going to appear as if i have had a delinquent account as part of my history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-04
Company: Experian Information Solutions Inc.
State: TX
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:
more like 90 days ftc violations and hippa XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Optimum Outcomes, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
While in the XXXX room at XXXX XXXX XXXX, I signed a form to use indigent funds for I had no insurance or job. they kept me in XXXX overnight. That is where this {$450.00} charge is from. I was unaware they were going to charge me especially after they told me the government fund would take care of my charges. I never would have stayed if I had known. Incidentally, they found nothing wrong with me and I had to go to my pcp to get treated. This collection is on both XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: EQUIFAX, INC.
State: GA
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:
On XX/XX/2021, I sent the credit reporting agencies letters notifying them that they are in violation of 15 USC code 1692 ( b ) ( f ) - reporting inquiries without my authorization or a permissible purpose, act 15 USC 1666 ( b ) - the truth and lending act. I am in distress and this matter has affected me from getting access to different forms of credit which is I personally needed in my everyday living. I will be left no choice but to seek legal remedies shall this issue not be taken care of.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
In 2019, my wife and I received a call from a Wells Fargo Mortgage employee, and they stated that I had let my flood insurance expire, but they were able to get me into a policy. They stated that I would have to pay the penalty because it expired. My flood insurance went from {$410.00} a year to {$6200.00} a year. They also stated that this was going to increase my mortgage payments in order for me to pay the penalty. I began paying my new mortgage payments for several months when I realized that my flood insurance was paid through my escrow account, which is the responsibility of Wells Fargo. When I called Wells Fargo, the next lie that was told to me was that my home was re-zoned in a different flood zone through FEMA, and that was why my flood insurance was so expensive. I reached out to FEMA, and they told me that my home was never re-zoned and that Wells Fargo had lied to me. The third lie that Wells Fargo did was I cancelled my home owner 's insurance with XXXX and went with XXXX. This took my homeowners from approximately {$1500.00} per year to {$1100.00} per year. Then Wells Fargo sent me letters stating my escrow account was going into arrears, so I asked them to send me the paperwork. When they sent me the paperwork, I saw on the papers that they had both my XXXX and my XXXX insurance policies, and that is what was causing the arrears. After this was brought to their attention, they did send me a check because my escrow account had a surplus. Maryland law requires that any overage of {$50.00} or more is to returned to you at the end of the year. My escrow account has been over for several years, and I have never received my overage payments. I was sent mediation paperwork back to Wells Fargo, and they never got back to me. Also, I had made several attempts to speak with them, but they kept handing me off to different employees. This is a scam. I have since refused to pay my mortgage payment after over twelve years on a 20-year note of never being late. My wife and I are nurses and these have been troubling few years and we have been harassed by this company for all of these years. I decided to no longer send in my mortgage payments I am paying them into a separate account because this company has deceived me for the last time. I have asked them to no longer contact me that I will see them in court. They continue to contact my wife and me and I have had it with them. I was recently contacted by the XXXX of XXXX XXXX in Maryland, where I sent them documentation proving my actions. If you have any further questions, I can be reached at XXXX. Thanking you in advance. 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 explanation
Consumer complaint received 2021-01-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DC
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: Problem with personal statement of dispute

Complaint:
Hi I apologize this complaint may not be categorized correctly as I didnt see any more related prompts. 

I checked my credit score and it dropped 73 points, from XXXX to XXXX. I triple checked to make sure I made now late payments, or messed up anything and confirmed I did not. In fact, I got a notification that I paid down my credit card debt which historically has actually increased my score due to a better credit card utilization rate. This seems very odd that such a drop could occur, putting me the 2nd to lowest tier when I was in the 2nd to highest tier previously. Please advise and let me know what or who I should chat with about this. My credit is very important to me especially now when were looking to buy a home.

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 2021-02-10
Company: Bread Financial Holdings, Inc.
State: ND
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX, XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX Trying to collect {$650.00} that is not valid. Provided information on XX/XX/2020 via email that the XXXX XXXX was returned and a refund was issued but never applied to clear balance. XXXX or XXXX made a report to credit bureaus which has had a negative effect on my credit. This was from a XXXX account which was issued by and owned by Comenity Capital Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: Nelnet, Inc.
State: VA
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: Problem with personal statement of dispute

Complaint:
I, XXXX XXXX XXXX, have received post correspondence from Great Lakes regarding XXXX XXXX alleged Stafford Loan XXXX. I demand that you disclose all the documents upon which you are relying on. In accordance with your obligations under the Fair Credit Reporting Act 15USC1681 ( g ) the consumer is intitled to said records the requested records. The information you are reporting is harming my reputation, its adversely affecting my credit worthiness, and I am being denied credit as a result of inaccurate reporting. I demand disclosure of the following documents : Uncontested WET INK signature. Not a copy or electronic signature. 
Written WET INK requests for deferments. 
If your company can not provide the requested WET INK signatures allegedly signed by XXXX XXXX you must DISCHARGE THIS DEBT and correct ALL inaccurate information being reported in my credit report being published by your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Freedom Mortgage Company
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Freedom Mortgage refinanced my loan in XX/XX/XXXX which I had with them. Unknown to me, post closing Freedom Mortgage did not create a new escrow account for the new loan. Freedom Mortgage instead overpaid ( multiple times ) payments to my insurance and taxing entities, then attributed the over payment as a loss to me via the finally created new escrow account to the tune of ~ {$11000.00} dollars. I was not notified of any of this during the time it was occurring in XX/XX/XXXX. 

In XX/XX/XXXX during escrow calculation period, I received an escrow shortfall bill for XXXX. I have not missed a payment, my insurance and property taxes actually were reduced during that period of XX/XX/XXXX to XX/XX/XXXX, so it was unclear how an ~ {$11000.00} escrow shortfall occurred and Freedom Mortgage offered no solutions. 

Freedom mortgage 's solution was to make me repay the ~ {$11000.00} shortfall to them by spreading the amount over 3yrs, an additional {$130.00} added to my mortgage payment. Since XX/XX/XXXX ( 4 months ) I have spoken to 13-16 different Freedom Mortgage employees in : Customer Service XXXX Tax, Insurance, Issue Escalation - only to get passed around from dept to dept. It seems no one wants to take ownership of the issue through to resolution. 

This entire ordeal of the cover-up of the non-escrow account creation, miscalculation and overpayment by Freedom Mortgage 's poor record/account keeping and QC'ing has put me under extreme psychological burden and caused my family unnecessary financial hardships of which seems like there is no resolution.

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 2018-03-22
Company: EQUIFAX, 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: Account status incorrect

Complaint:
Equifax continues to report that the XXXX XXXX XXXX Account is still open with a balance of 10,000+ Dollars. However, XXXX XXXX XXXX has verified numerous times that this account was paid off nearly a year ago. Yet, Equifax continues to report it as an open account with balance. I have tried several times to get Equifax to update this record, but they will not. 

XXXX XXXX XXXX - XXXX - Balance - XXXX I have also Reached out to Equifax regarding the XXXX Account that shows a balance on my report of XXXX. This account has been paid off months ago and Equifax will not update its records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: EQUIFAX, INC.
State: CA
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:
I have disputed with all three credit bearues multiple times and some of the disputed come out verified and not removed I sent them mail of a identiy theft report via fax and mail also. They state they never receive it but I have proof of sending them it and they even keep adding collection but times care of some. On Equifax I haven't even received a response and they hang up on me on the phone. I just want my credit I never even had a credit card and I don't have an opportunity to build it. They are not helping me at all

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-22
Company: AR Resources, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I would like for the AR RESOURCES INC to show proof of verification that I owe them {$6200.00} with ACCOUNT # XXXX. As of date, you have not provided me with a 1099c for my review and my records. I am asking that you do this now. 

In addition, if you reported this alleged debt as a loss to the IRS, I request that you pull this account back from any collection agency you may have placed it with or from any debt buyer you may have sold this to.

Please provide this within 30 days. Until this has been provided, I am requesting that any negative reporting to my credit by your company or any company trying to collect this debt be immediately stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
I financed a XXXX XXXX XXXX through Hyundai Motor Finance in XX/XX/XXXX. The total amount financed was {$11000.00} USD. My first payment was due on XX/XX/XXXX. The minimum payment is {$190.00}. Hyundai Motor Finance refused to apply my {$150.00} in overpayments to the principal balance. After repeated attempts beginning XX/XX/XXXX, of calling Hyundai to resolve the payment application, I recognized Hyundai Motor Finances unwillingness to help and decided to refinance with another lender. 

On XX/XX/XXXX, I attained a ten-day payoff quote to close the loan I have with Hyundai Motor Finance. The amount of the quote is {$10000.00}. A check arrived on XX/XX/XXXX, for the exact payoff amount of the payoff quote at the address stated on the letter. Hyundai then inexplicitly changed the terms of my loan from 60 months to 61 months and appears to have lost my payments somewhere in their system. After I paid the payoff quote and all my monthly payments and additional payments, Hyundai Motor Finance is claiming I still owe {$160.00}. I made repeated calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to resolve the issue. Hyundai Motor Finance continues to ignore the clear and obvious evidence and refuses to acknowledge the error in their system. Each time I call, I get advised to call back in 5-7 business days, even though it has been twelve days.

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