BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-05
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX 2016, Discover it closed my credit card account without a reason. They claimed that they closed my account based on a business decision. But I ca n't see any reason that may lead to that business decision. I 've attached my most recent 4 bank statements, which clearly show that I never abused my credit and no reason can cause my credit account closure. This closing action will significantly affect my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I'm trying to transfer my assets out of Robinhood because Robinhood is defrauding me. Robinhood declined the ACAT transfer because they indicated a margin call would have been incurred. Their app indicates that it is false. ( However it may be true because they are defrauding me partially by showing me false information regarding margin level within the app, as I have indicated in my previous complaints.

Robinhood is holding my assets hostage in their fraudulent platform... Likely because a transfer will expose their fraudulent accounting...

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-31
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Synchrony Bank has restricted access to our account with more than XXXX in the bank. They have not resolved the issue in more than 72 hours. Reference account number : XXXX. High Yeild savings account. We have made three calls to the bank in the past week without resolve. Each time we are told that it will be another 48 hours. We want access to our money now. This is the message listed on their website that restricts access to the account as we can not transfer money our or in. Your account is restricted. You are not able to access this account online. Please contact a Banker at XXXX to change your account status.

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 2021-05-18
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
During the course of attempting to refinance my home loan with a new lender I was advised that they needed a copy of the mortgage modification agreement so it could be reviewed by their under writers. I told them that this loan had never been modified and they advised me that it was listed as modified with all three credit bureaus. I confirmed this by reviewing my credit. I contacted my current lender on XX/XX/XXXX and advised them of the discrepancy. This loan has never been modified or altered from its original state. I have never been late or sought any type of mortgage relief. I was advised that they had purchased the loan and it was listed as being modified with the previous lender. I was advised that they would research the issue and correct the problem if they confirmed it was not modified. I have contacted my lender no less than 10 times by phone. I have been advised that a supervisor would contact me and they never have. I have been told that they confirmed the loan was never modified but they refuse to send me written confirmation that I can provide to complete a refinance. Each time I call I am told they will escalate the problem and contact me, but no one ever does. In the mean time I have lost my interest rate on my refinance and my home appraisal has expired. This is costing me literally thousands of dollars and no one seem to care.

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 2015-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
transunion credit report web suite does not work making it impossible to order a credit report on line as they advertise. there is no way to contact them toresolve this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have been trying to work with Navient for the past few years, prior to getting behind on payments I called them because I knew I would n't be able to make the payments they were asking for. They are now threatening to sue me, have claimed I have failed to communicate with them, which is a lie and have called me at my job three times, after I told them I cant receive these calls at work, after the first time. I sent a letter last week telling them in writing not to call me at work, and requesting all further communication be in writing. Today they did it again! They called me at work. They have refused to lower my payment even though they have done financial reviews and can see I do n't have the money they want every month. They have hung up on me and told me " you 're not trying hard enough ''. I have developed XXXX and XXXX because of this unfixable issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: Transcontinental Credit & Collection Corp
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have told them I will not have a job until after XX/XX/XXXX, that I am in school, and in training. They call while I am in school, and in training disrupting that, and I have told them I XXXX in XX/XX/XXXX, and I wo n't have a Job until after that, and to leave me alone until after that. I can not pay if I can not work, and I can not work while I am in school. I am taking steps to obtain a job, but they are not listening to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting Act, XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX, Account # XXXX, Amount {$2000.00} has violated my rights. 

According to the 15 US 1681 Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. My name is XXXX XXXX. I am really getting tired of having erroneous information on my credit. The way the credit bureaus disrespect me, the way they disrespect my privacy, is outrageous! I will definitely take further action if this account is not removed!

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 2016-04-14
Company: DISCOVER BANK
State: AZ
Product: Credit card
Issue: Rewards

Complaint:
I made a purchase of {$980.00} on XXXX XXXX, 2015 using my Discover it card with XXXX. Discover was running a promotion offering 10 % cash back on purchases made using XXXX. Discover has not paid the 10 % cash back that was promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10
Company: Diversified Consultants, Inc.
State: DC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I went to my bank to refinance my car. When my credit was pulled I had a collection account on my credit. When they showed me the credit report it was from a company I was unaware of. When I contacted the collection agency they told me the bill was for an old XXXX bill and they was collecting for them. I also asked them how they reported this information to my credit report when I never received anything in the mail. They informed me of an address I never lived at. When my credit report clearly has my correct address. So they never gave me a chance to respond to the debt. I acknowledge I had an old XXXX bill but was unaware of the amount. I agreed to pay half because at this time I felt like a had no choice with it being on my credit report. They took the bill down to 50 % off and they told me I would receive an email of the debt being paid. They also told me they would dispute taken the collection off my credit report. However, since I have spoke with them a week ago. I have not receive any email of my payment and no removable off my credit report. I am not sure if this was a legitimate bill and just a scare tactics for me to pay the bill. I need help with this issue because I thought with the Fair Credit Reporting Act they have to try to contact me via mail before its put on my credit report. Also once I paid the bill I should have received an itemized bill. But when I spoke with them about this bill they did not care or about the laws. Please help me with this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
After paying off my account balance with Discover recently, they chose to lower my credit line to XXXX from XXXX. They cited recent credit items as the reason for the decrease, most of my accounts are paid off recently. If anything, my credit line should have gone up due to my score going higher.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I was originally a client of XXXX, then Wachovia Bank which were purchased by Wells Fargo Bank. Consequently, I had not signed any document concerning an arbitration clause with Wells. 
On XX/XX/2013, I received a package of forms entitled " Consumer Account Relationship Change Application '' from Wells Fargo directing me to submit new signatures for my accounts to '' protect '' them from fraud and fight terrorism. Buried in the fine print text below the signature line was a clause stating that by signing the document, I agree to arbitration and not a jury or judge trial in any dispute with the bank. Needless to say, I signed nothing. The bank resorted to trickery to instigate their forced arbitration. 

PS : I still have the Wells Fargo letter if you are interested. 
. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation
Consumer complaint received 2021-01-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 reviewed my credit report. I have come across information that I have discovered is not mine. 
This letter is a formal complaint that you are reporting incorrect credit information. I do not recognize these accounts and I do not know where they came from. Also, I do not have a contract with these companies. 
I am upset that you have included the below information in my credit profile. I prefer to immediately dispute and have investigated. I believe that I may be a victim of identity theft.

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 2016-08-14
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
To Whom It May Concern : My name is XXXX XXXX XXXX. I hope this e-mail finds you doing well and enjoying the summer. 
I am a voting resident of XXXX XXXX and am writing to request you assistance with an issue regarding Franklin American Mortgage. I paid off my home on XXXX XXXX, 2016. I was told that under the law, the lender has 30 days to refund the monies from the escrow - in this case, an amount of {$6400.00}. I was told by my lender, Franklin American Mortgage, that they have released these funds on XXXX XXXX. I was also told they released them but they had yet to be mailed nor received by me. As of XXXX XXXX, I still have not received escrow refund and it is now well past the 30 days during which the lender is supposed to refund the money. I have called Franklin American Mortgage no fewer than five times and each time I get a different answer as regards their escrow release process. I am also concerned that they are using US mail and not FedEx or a a return receipt so if a large check gets lost, they can say its not their problem and hold onto my money longer. My concern is that if Franklin American Mortgage is doing this to me, they are doing it to other homeowners as well. I have asked them to please wire the money or FedEx a check ; their representatives tell me that they are unable to do so. Can you kindly provide assistance? 
My loan account number with Franklin American Mortgage is # XXXX ; my property address is XXXX XXXX, XXXX, TX, XXXX Regards XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX XXXX XXXX, GA XXXX Or TransUnion XXXX, PA XXXX Or XXXX XXXX XXXX, TX XXXX XXXX, SOC SEC # XXXX DOB XX/XX/XXXX XXXX XXXX, FL XXXX Dear Sir or Madam, Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : Please removed this ADDRESS : XXXX, XXXX, FL XXXX - REPORTED XX/XX/XXXX not my address fraud XXXX # XXXX XXXX {$180.00} XXXX charge off {$4800.00} XXXX # XXXX As required by FACTA and in support of my request, I am including a copy of my identity theft report And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter. Sincerely, XXXX, SOC SEC # XXXX DOB XXXX XXXX XXXX, FL 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 2021-11-24
Company: LEXISNEXIS
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: Their investigation did not fix an error on your report

Complaint:
Lexis Nexis is reporting inaccurate bankruptcy on my credit report I have been trying to see how this how verified this because this information this not match my records and under section 168 of the FCRA they are suppose to verify all information that is being reported incorrect in 30 day or remove it from my report they have not done either one and I need all inaccurate information removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: First Investors Servicing Corporation, Atlanta, GA Branch
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
this company did a hard click on my credit with out my permission i applied for refinance with XXXX XXXX and the got my info from them and checked my credit without my knowledge or approval

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: TD BANK US HOLDING COMPANY
State: PA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
TD AUTO FINANCE is claiming that I owe an alleged debt of {$42000.00} which I, the consumer believe and do so believe this debt has been already paid for. I am a consumer, a natural person who seeks or acquires goods or services for personal, family, or household use only in accordance with the federal regulation 16 CFR 433.1 ( b ). I am also aware that TD AUTO FINANCE is a creditor pursuant to 16 CFR 433.1 ( c ). I, the consumer, has reason to believe and do so believe ALL of my billing statements as well as ALL the amounts I have from TD AUTO FINANCE is a billing error. Pursuant to 12 CFR 1026.13 ( a ) ( 6 ). Pursuant to 12 CFR 1026.13 ( a ) ( 4 ) the term billing error means a reflection on a periodic statement of the creditor 's failure to properly credit a payment to the consumer 's account. TD AUTO FINANCE has failed to properly credit all of my payments. I also have reason to believe and do so believe TD AUTO FINANCE has my social security number on file which represents a credit card according to 12 CFR 1002.2 ( k ) meaning that when I provided my social security number my alleged auto loan debt from TD AUTO FINANCE has already been paid for. I, the consumer, has reason to believe and do so believe pursuant to 12 CFR 1002.2 ( a ) my account with TD AUTO FINANCE is an open end credit plan which means I, the affiant should not have to pay any alleged debt that, TD AUTO FINANCE claims that I owe. I, the consumer, is aware that TD AUTO FINANCE may not try to collect any portion of any required payment that the consumer believes is related to the disputed amounts pursuant to 12 CFR 1026.13 ( d ) ( 1 ). Lastly, I, the consumer, is aware that according to my certified XXXX XXXX XXXX from the Secretary of State I, the consumer/debtor dont have any liens against me along with me not having any debt attached to me. This further proves that I, the consumer, doesn't have to pay this alleged debt that TD AUTO FINANCE claims that I owe. See attachment below.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
From XXXX/XXXX/XXXX to XXXX/XXXX/XXXX I was into a trial period of a SECOND attempt to make my Mortgage affordable. I declined and consequently I fail into the previous mortgage leave me with a debt of {$1100.00} which I paid on XXXX/XXXX/XXXX. It was split as follow {$1100.00} for the trial period plus XXXX on the payment for XXXX. All payment that I had made are trough a Home Preservation Specialist and all the time I had been told that the amount that I did is to make my loan current which never had happened. On XXXX/XXXX/XXXX I have a new mortgage agreement as I will sent to you. It is called Re-cast/Re amortization which become effective on XXXX/XXXX/XXXX. I paid XXXX on XXXX/XXXX/XXXX. I paid XXXX in XXXX/XXXX/XXXX. My account activity today XXXX/XXXX/XXXX asked for {$1600.00} due on XXXX/XXXX/XXXX. My lender has been inconsistent placing my mortgage on the improper status. And lock of communication between departments. XXXX things happened at the same time ; ( 1 ) The XXXX Home affordable plan change from 3.5 % to 4.5 % on XXXX/XXXX/XXXX were also ( 2 ) I had a XXXX trial period declined for me. ( 3 ) On XXXX/XXXX/XXXX I had approval for new recast agreement Bank has not be enable to figure out how remove from de XXXX trial period ; adjust interest rate from previous mortgage plan. Deduct principal according to payments that had made. Since XXXX XXXX I have receiving XXXX statements by month. Last time that tried to setup automatic payment I was transfer to collection department

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 2017-04-10
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. XXXX 2. Judgement XXXX XXXX 3. Inquiries Name of Company Date of Inquiry Type of Business EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX L XXXX/XXXX/XXXX Finance XXXX XXXX XXXX XXXX XXXX/XXXX/XXXX XXXX EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Banking EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance EXPERIAN BUSINESS CR XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Wholesale XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Automotive XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Banking XXXX XXXX/XXXX/XXXX Finance I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that time frame, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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