BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-14
Company: WELLS FARGO & COMPANY
State: NY
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XXXX XXXX NJ has you sign a receipt in classifications when u receive prisoners clothes on intake ... they do not tell inmates that once you sign the receipt for prison clothes..The prisoner actually is signing Power of Attorney over to WELLS FARGO BANK XXXX This is a fraud, a bait and switch a private prison and Bank working together to take control over peoples finances..It is discriminatiory against American people on XXXX or receiving government fundS..cIVIL RIGHTS INFRACTIONS..A fraud against the people ... Wells FARGO bank unethical illegal money grab of social security funds and XXXX XXXX XXXX scam of denying out of town inmates to make long distance phone calls meant to isolate and deny people basic rights ... How is it that a Bank and Prison complex start this scam when patient confidentiality laws weny into effect.1996///the prison /bank /jewish family sercices HEALTH CARE FRAUD and wELLS Fargo bank owe over 20 yrs of theft ..they have been getting away with since 1996 ... they are disappearing bodies, and the payments keep going to the bank..and no accountability or transparency as patient confidentiality laws hide this scam fraud ..targeting the " UNWORTHY ''

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 2016-10-20
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I filed for a chap XXXX in 2008 in which the lawyer ripped me off and even though I had n't had any continued dealings with the Lawyer, the proceedings continued resulting in a dismissed Chap XXXX. I admit I lacked education at this time and did n't know I would be haunted years later even at just the attempt to file and be robbed for XXXX. I have disputed this item for several years and still Equifax reports this years later regardless of Section 1681 ( a ) ( 5 ) of The FCRA which mentions nothing suggesting this to be reported continuously for ten years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: RI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
This complaint is in reference to my student loans and the current loan amount due. 
I worked as a waitress when I graduated from high school in XX/XX/XXXX and went back to the XXXX XXXX in my state after 10 or more years after high school. I worked full time and attended school nights and earned an XXXX XXXX XXXX and acquired computer skills to apply for a secretarial job. I was encouraged to continue to transfer to a four year college and work towards a XXXX XXXX. At the time I had company reimbursed tuition. I was laid off at the company in XX/XX/XXXX and that is when I borrowed funds to continue my education. It took many more years to finally finish as I worked full time and encountered other company down sizing. I did not find a job right after finishing the four year degree in XX/XX/XXXXand that is when the loan balance grew to what is now an unmanageable debt. I originally borrowed $ XXXX and now owe over $ 90K. A regular payment is {$880.00} which is more than my mortgage and currently on an income based payment which is {$420.00} or so per month. 
This payment structure is interest only and will never in this life time pay this off. I need assistance in being put in harms way due to higher inflationary interest charges at a vulnerable time. This loan is structured to be in forebearance and accrue high interest for a chance to develop experience to apply for a higher paying job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-14
Company: ERC
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ERC : Enhanced Recovery is reporting on my credit file, for one, I never got a 30 day right to dispute or any notification, they just put it on my report. Also they are collecting for XXXX whom I do not owe .... I signed up for XXXX awhile back because they promised me they have coverage where I live, which is very very rural. They said I would have service and no roaming fees. So I switch, well my first bill was $ 1100+ because everything was in fact roaming, they do not provide coverage in my area I found out after speaking with a manager. So I do not owe this bill, they are lying to customers and doing bad business. I would pay what my normal bill should have been but I will not pay for extra fees in which I would have never had if I did n't switch over with them promising me I would have coverage. They need to be investigated as they have hundreds of thousands of complaints regarding this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: Seterus, Inc.
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Seterus is the mortgage loan servicing company to which I send my monthly payments. My payments are always made within the first week of each month and are " posted '' to my account within 3 to 5 days. However, my payment of XXXX 2015 took 15 days to be posted to my account. The company charged me a late fee with the following month 's statement. Instead of paying that fee, I sent them a letter with a copy of my cancelled check showing how long it took THEM to process it. I received no response at all from my letter, until the late charge appeared on my most recent statement again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-02
Company: SUNTRUST BANKS, INC.
State: NC
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Suntrust Home Equity Line of Credit 
This new Complaint is in reference to my previous complaint to CFPB case # XXXX Regarding a Fraudulent Appraisal performed by Suntrust . I am addressing letter from Suntrust Dated XX/XX/XXXX in particular the last line."XXXX,if you have any questions,please contact me at XXXX .---I will be glad to speak with you "  signed XXXX.
It appears to me I am getting the same run around from Suntrust that I had from XXXX thru XXXX .Phone and contact names that did not exist and or no return calls. .My initial complaint was sent to CFPB on XX/XX/XXXX .A Suntrust surrogate called on XXXX and said a XXXX will call me on XXXX ,NO CALL.  I called XXXX (Suntrust) on XXXX @ XXXX. and left message @XXXX for him to call me back ,NO CALL . I called again on XXXX @XXXX and left message for him to call me back ,NO CALL .
Called XXXX on XXXX @ XXXX and left message for him to call me back.NO CALL. Called XXXX again on XXXX @ XXXX. and left message for him to return call.  NO CALL . Called again on XXXX Left message for XXXX to call back. NO CALL . In each instance I referenced the CFPB case number XXXX and left my home number , a land line with answering machine. I also quoted the last line in his letter "he will be glad to speak with me ".  This is EXACTLY how Suntrust treated me during Foreclosure case and the ONGOING FRAUDULENT APPRAISAL CASE.I do have questions for XXXX (if he does exist ) .

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 2021-08-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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:
I am a member of the class summarized in this formal complaint to PayPal Credit : XXXX XXXX XXXX PayPal credit opened a credit line with Synchrony Bank without my consent or authorization. A current balance with PayPal was then applied to the Synchrony credit line without my knowing, which incurred monthly late charges. These series of late charges from this rogue account brought my near perfect credit score of 840+ down almost two hundred points in a matter of weeks! 

I was finally able to get the fees dropped and the credit line closed, but the delinquent remarks remained on my credit report. I was told by a PayPal Credit employee that a letter would be sent out to request the delinquent remarks be removed, but almost a year later, the remarks are still there. This is blocking a current home mortgage application for me and my wife to be. PayPal Credit 's negligence is jeopardizing my housing situation and future, and I can't even get a representative to help me. We can only see the derogatory marks on credit reports and do not even have the account numbers or any information about the account. Every time we try to call we get sent back and forth between PayPal and PayPal Credit with XXXX 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 non-monetary relief
Consumer complaint received 2015-12-25
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened and funded an HSBC Advance Checking Account around XXXX/XXXX/XXXX by telephone using a referral code, XXXX, from a friend, XXXX XXXX. HSBC has a promotion that is supposed to issue me a credit of {$100.00} for opening an Advance Checking Account using a referral code within XXXX weeks of fully funding the account. See offer attached. I have called many, at least 3, times over the last 3 months trying to get my bonus. But continually I have been told that HSBC has to look into my situation more. I was finally able to get a nice customer service rep, Tin, last week who seemed to be helping but in the end she said that the " back office '' was reviewing my account and a decision would be made by the end of XX/XX/XXXX. 

This is totally unacceptable. I have spent hours talking to the bank to get my deserved bonus. I have done everything required to deserve my reward and now I want the bank to live up its obligation to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-20
Company: EQUIFAX, INC.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have a public record on my file that did n't belong to me but whoever used my SSN fraduently managed to get and my wages were garnished to pay it off. I 've disputed this to have it removed as it 's not mine originally but was paid in full and released by me XXXX and XXXX have deleted it but Equifax will not

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Experian Information Solutions Inc.
State: CA
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:
On XXXX XXXX XXXX I sent a certified letter ( XXXX XXXX XXXX XXXX XXXX ) to Experian requesting that verify and send me proof of verification of the derogatory items on my credit file per the FCRA section 609 ( a ) ( 1 ) ( A ) they failed to do so and continue to report the negative items on my credit file. They are breaking the Federal Laws.

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 2016-08-28
Company: CITIBANK, N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I checked my checking bank account transaction history on XX/XX/XXXX and identified 17 suspicious {$20.00} charges to a XXXX reloadable gift card dating back to XX/XX/XXXX with the last one occurring on XX/XX/XXXX. I called Citibank to inform them of these suspicious charges and informed Citibank that I do not have a XXXX reloadable gift card and I did not make XXXX individual charges within a 1-2 month span. I disputed all XXXX charges and was informed that I would receive credit back for all while the bank investigated the case. I also received a new debit card and Citibank canceled the debit card in my possession due to it potentially being compromised. One week later, I noticed that I had only received credit for XXXX of the XXXX charges, so I emailed then called Citibank. I was told that XXXX of the charges were disputed but only XXXX were credited so far, and Citibank credited the XXXX other charges they told me had not been disputed. However, I received a letter indicating the XXXX that were disputed. So there are conflicting messages being told to me and, at this point, I have received credit for XXXX of the XXXX disputed charges. Beyond the annoyance of having to track and manage this issue on my own because Citibank got it wrong the first time, I fear their fraud detection and case management processes and/or people are proving ineffective.

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 2015-07-19
Company: The CBE Group, Inc.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I told them that I filled chapter XXXX numerous of times and they keep contacting me. I give them the case # and the discharge date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
This is my 2nd request to date disputing an erroneous Bankruptcy that has been placed in the public records section of my consumer report. The credit reporting agency has yet to show proof of how the Bankruptcy was verified. I have requested under the FCRA 611 ( a ) ( 6 ) ( B ( iii ) which provides that a consumer may request a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. I requested the description of the procedure used to determine the accuracy and completeness of the information, the name, address, and telephone number of each person contacted regarding this alleged account, and a copy of any documents provided bearing my signature, showing that I have a legally binding contractual obligation to pay them the exact amount claimed. I have yet to receive any of this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a letter in a the mail about a debt I do n't recall. There were very little specifics. The address was correct, but the name XXXX XXXX is not correct. The most striking thing off all, was the charge-off date, which was XXXX/XXXX/2009. I was n't even of legal age to have that debt unless I inherited it. and still in XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-10
Company: Credit Corp Solutions Inc.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
CREDIT CORP SOLUTIONS is in violation of the FDCPA.

Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking my specified my specified remedy as a consumer, and the original creditor i am demanding all of the following : 1.Deletion of account from all consumer reports.

2. Pay the attached invoice and compensate me for every violation labeled in the attached exhibits.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On        XXXX   XXXX   XXXX    I requested a payoff of my   XXXX    XXXX   XXXX  that was leased through Chrysler Capital. I am in the process of purchasing a home and needed that paid off to qualify for my mortgage. I received a payoff from  Chrysler valid through  XXXX   XXXX ,  XXXX . To be on the safe side I overnighted my payoff to ensure that the payoff would be made on earlier then needed. I called and verified with my bank on  XXXX   XXXX  and was advised that the cashiers check had cleared on the  XXXX  of  XXXX . I received a bill of sale from Chrysler Capital the week of  XXXX   XXXX  along with the original title transferring ownership to me. On  XXXX   XXXX  my mortgage broker proceeded to pull my credit and we found that  Chrysler  had reported me late for the  XXXX  payment. This late payment destroyed my credit rating and I was not going to be eligible to purchase the home that I am in contract for and non-refundable deposits have been made. I called Chyrsler and they reviewed the account. Apologized for the error and assured me that they would correct it directly with the credit agencies as well as close out the account. No one could give me an answer as to why it still showed as open. I was told it would take  24- 48 hours to close out the account and 7 to 10 days for the credit to be co rrected. On  XXXX   XXXX ,  XXXX  I called Chrysler to verify that it was corrected and found out that they once again reported me late to the credit agencies and that it would continue to report late beciase the account still showed as open ... .with a past due payment. I was transferred to  4 different supervisors/managers and each one to ld me the  XXXX  department handles it and they would contact me once it was resolved. They did n't know why it happened and said it should be  24-48 h ours. I asked for a letter as proof to the seller of the home I was in contract for so that I could extend it and not lose my deposit and I was told that they under no circumstances provide and letters. No one could transfer me directly to the "  XXXX  '' dept. and I had no resolution after being on the phone for a little ove r 3 h ours. The amount of stress that this error has caused me is beyond what can be described. I need this account cleared up in time so that I do not lose my deposit on the home I am trying to purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-06
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
I have a Care credit card from Synchrony Bank which I use for my XXXX expenses. On XX/XX/2016 I became homeless and I decided to inform my creditors about my situation. All the other creditors understood and worked with me but Synchrony Bank refused. I told them I only earn {$XXXX} a month from my XXXX. So, they decided I should go on the hardship program. However, they wanted to choose the amount and date of payment, but that is not possible because I get paid twice a month which is set by my employer. I kept calling and calling even before my debt became large ; hence, I was treated as if as was lying so I gave up because the little money I have to use for survival. Now, they have been call and call to collect a debt which I have no money pay for. What should I do?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I received a voicemail stating " This is a message from Synerprise Consulting Services. This is an attempt to collect a debt. Please call us at XXXX or visit us online at XXXX. Again that is XXXX or visit us online as XXXX. Thank you This was received today XX/XX/17 They NEVER once said who the call was for. Never heard of them and never received prior communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-10
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I went to XXXX, entered my info, selected Experian, and immediately received an error message telling me to submit my request by mail ( screenshot attached ). Experian is required to make credit reports available online via a **WORKING** web site, which they don't. This has been a continual problem and they need to be fined for their lawbreaking behavior.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: ERC
State: MS
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:
A year ago I started getting phone calls at home for someone not living at my home. I told the first caller there was no one with that name at my home. The calls continued, but I never answered and turned off my answering machine. On XXXX XXXX XXXX, I received mail for the unknown person, which was a collection notice from ERC, a collection agent for creditor XXXX XXXX XXXX XXXX. My city does not have XXXX as a provider for any utilities. I logged a complaint with the XXXX, since the local police could not assist as identity theft had not occurred. I have been receiving aggressive phone calls from several different callers as the debt may be going from one collection agency to another. On or about the week of XXXX XXXX XXXX a second letter addressed to the same unknown person was sent to my home address and I returned the mail to the sender unopened.

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