BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-22
Company: BMW Financial Services NA, LLC
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
My XXXX XXXX was totaled in an accident on XX/XX/XXXX and was paid out in full by XXXX XXXX in XX/XX/XXXX. BMW FS was paid out in full, but they have reported on my credit file that I was delinquent with payments, As a result there is serious error on my credit report and my FICO score has been impacted. 
As a result of BMW mistakes I can not get a loan to buy a home and I am suffering hardship due to the error made by BMW XXXX staff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had an equity loan with PNC Bank. I have XXXX different letters with XXXX different people with XXXX different dates, stating the loan has been paid of or satisfied in full. I have enclosed these as attachments. For 3 years now or more I can walk into a branch and the loan amount still shows on their system as being owed. I walked into the XXXX XXXX XXXX today and received a printout of this loan still showing as due. I have attached a copy of that. I want this info taken off the system. No one can explain why it still shows being owed. This needs to be taken care of and I 'm so tired of PNC incompetence.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: JPMORGAN CHASE & CO.
State: CO
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
Someone stole a balance transfer check from my mailbox and used it to write themselves 2 checks from my Southwest-Chase credit card. The checks were written to XXXX XXXX XXXX. The first check, went through and had taken {$860.00} out of my account, plus a {$34.00} transition fee. Once I saw this activity, I called Chase to get this taken care of. They gave me my money back, cancelled my card and got me a new one. About 2 weeks later, I received a letter saying I recently wrote a check to XXXX XXXX for {$1300.00}, which was declined, since I blocked my account. In total, XXXX XXXX tried taking {$2100.00} from my credit card plus any transactions fees that could occur.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CITI CARDS/CITIBANK Account number XXXXDate opened XX/XX/2017 {$210.00}

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 2022-07-19
Company: SIMMONS FIRST NATIONAL CORPORATION
State: TN
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
2 Remaining Negative Accounts. 

Account Name : SIMMONS XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account 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 2015-10-27
Company: SYNCHRONY FINANCIAL
State: UT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank/JCP ; Has presumed that I owe them for a lowly {$38.00} charge, which ( they have now inflated the charge to {$75.00} ) dates back to around XXXX 2015. They say it is my debt, have written the charge off, and assigned the debt to a XXXX XXXX XXXX ( XXXX ). Here is the problem : Synchrony bank NEVER called us. This {$38.00} charge was being mailed monthly to some ambiguous address and City and zip code some XXXX miles away from us, and we never received it EVER! If we would have ever received it, we would have called them up & figured out and qualmed the problem, but they never called us, and instead forwarded on the charge to XXXX XXXX XXXX. In doing so, it tarnished all XXXX Credit Reporting Agencies ' credit history of my wife, lowering her credit score about XXXX points! In the first place, this {$38.00} charge is likely a fraud case. Also, it was mailed to a foreign address. Synchrony/JCP never called my wife to discuss, and then took the liberty to report to the credit agencies that she is delinquent ( lowering her score XXXX points )! Further, we do n't recall ever opening this charge card! When I call Synchrony, I can never get a hold of anyone who can help. Further most of them, if they want to try, do not speak pure XXXX, and thus ca n't understand them. We 're infuriated, as we call XXXX XXXX XXXX weekly for resolution. While their people are decently reasonable, they say they will put in yet another request for " original credit application '' information. This has been going on for the past 6 weeks unresolved. Also XXXX XXXX XXXX can not rescind this credit history problem, but only Synchrony/JCP can. That, is what MUST happen! Until it does, we will likely feel compelled to hire an Attorney, and legally have these credit reporting errors fixed. But, I 'll not be paying the Attorney, Synchrony/JCP will ...!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Purchased goods and services from Lowe 's using their store credit card. Product and service was done incorrectly. Filed dispute with credit card company Which was acknowledged by Synchrony Bank on XXXX XXXX 2016. Stated in the communication that when the investigation was completed I would receive a response via mail or email notifying me of the resolution of the dispute. Never received a communication regarding a resolution and was forced to continue to make minimum payments even though the balance was in dispute. Was threatened that my account would go into collections if I did n't make a payment. Dispute is still not resolved. Was also told I would have deferred financing and after purchase was told that it was n't deferred.

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 2016-06-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
An fraudulent account was opened with Synchrony in my name - I did not open this account.

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 2020-03-15
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I checked my credit report and notice that there are two collection agency calling for same amount. When called to let them know I do not owe thos debt both wakefield and associates and revenue recovery are the same company with different names on my credit report. Today I am now served being sued by the original creditor for {$380.00}. Who do I pay? how is debt now {$1100.00} ( XXXXx3 ). If I pay both collection agency as well as creditor. This is against the law. I have now lost a total of 60 points on my credit report for a debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My husband and I were recently in XXXX and while XXXX can be challenging at times due to mostly banks concerned over fraud. My PayPal XXXX overstepped their bounds. My problems with them started when I got a new card from them with my name change due to marriage. Not one transaction has gone through since I received my new card with my new last name, even though that same XXXX they upped my limit. Fast forward three weeks and while in XXXX I wanted to use the card and after spending over 30 mins on the phone with them I was was told everything was good with the card and the representative even told me to go and enjoy XXXX. This was my first time to XXXX and I was excited to explore and shop in this amazing city. Well at lunch the card was declined, I was so embarrassed. Rather than leave the hotel we decided to go up to the room and figure out what was the issue now. On hold with XXXX call center for 45 mins l was livid but again assured that the problem was fixed and that we would have any further embarrassing lunches. My husband and I went to go do a little shopping and with trepidation pulled out my PayPal XXXX and again an embarrassing decline. Now I am mad and upset. They have lied to me, taken up precious time we had in XXXX on the phone ( mostly on hold ) with them, and frankly extremely embarrassed. As to not ruin the rest of our day we put that card away and we decided to call them once we return to the hotel. I was n't feeling so I gave my husband who is an authorized user on the account talk to customer service and figure out what is going on. After they put him on hold for over 50 mins he had reached his boiling point too. But to my surprise he said to the rep that he wanted to close the account and hung up the phone. I understood his frustration but did n't think much of it because they could n't close MY account without MY permission. Come to find out I was wrong. They closed MY account and they they took no responsibility for us wasting 4 hour on the phone on my XXXX trip to XXXX on the phone with them trying to spend money and use the new credit line they had just bumped up for " being a loyal client. '' This is n't legal or right and I wo n't take this lying down.

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 2016-07-16
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
FEDLoan- I have been XXXX for 8 years. I received a XXXX loan for some XXXX work.FEDLoan is the servicing agency. Although I send the forms in on time for my service year they always find something to deny my application form. example- Principal singed too early ( before the school year was official over ), or I signed too early ( the last days of school are very rushed and we try to get things done early to beat rush ). This date criteria are not stipulated as a problem on their documentation. Also FEDLoan will email me informing me of coming due dates, but will only use regular mail to inform me of their rejections as to prolong lag time between responses, I would assume. How am I going to get a hold of the XXXX? I fulfill my part of the bargain, I want them to fulfill theirs in good faith. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 XXXX XXXX # XXXX has 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. It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: PA
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 TO THE FAIR CREDIT REPORT ACT 15 USC 1681 602A.. I HAVE A RIGHT TO PRIVACY ....

15 USC 1681 SECTION 2 STATE CREDIT REPORTING AGENCIES CAN NOT FURNISH MY REPORT WITHOUT MY PERMISSION/// THE ACCOUNTS ON MY REPORT SHOULD BE REMOVED INCLUDING INQUIRIES I DIDNT AUTHORIZE. 
______________________________EXPERIAN XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX XXXX Important dates Inquiry date XX/XX/XXXX XXXX XXXX  Important dates Inquiry date XXXX Important dates Inquiry date XXXX XXXX XXXX XXXX ( Miscellaneous XXXX XX/XX/XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX, XXXXXXXX XXXX XXXX XXXX ( Miscellaneous ) XX/XX/XXXX XXXXXXXX XXXX XXXX ( Bank ) 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX AND XXXX COLLECTION BELOW : XXXX XXXX XXXX Original creditor : XXXX Balance details 0 % of this account is paid off Balance on XX/XX/XXXX {$320.00} XX/XX/XXXX XX/XX/XXXX, _______________________________________ Overview Reference Number XXXX Date Filed XXXX XXXX, XXXX Classification Bankruptcy Type XXXX  XXXX Bankruptcy Responsibility Individual Asset Amount 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 2017-05-26
Company: Unifin Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a call from  XXXX . They were very rude and refused to verify or validate the alleged debt and told me that they will put it on my credit and it will hurt my credit. They will not disclose the address of the agency nor will they tell me the proper name of the agency. When I call, they will not answer. And when I did speak to agents, they yelled and screamed at me and argued with me as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: Experian Information Solutions Inc.
State: TX
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  Account # XXXX  {$450.00}, Has 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 15 U.S.C. 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2017-11-15
Company: CITIBANK, N.A.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Citi bank is in the process of transferring the XXXX XXXX XXXX XXXX card portfolio to XXXX XXXX. I do not want my account transferred. I asked them to switch my card to a different Citi Bank credit card product. They refused. I want to retain my credit card account at Citi Bank. Please help.

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 2017-05-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Below  are dates of credit inquiries that I wish to have removed from my credit report Equifax. I attempted to contact customer service at the credit bureau and their customer service would not help and take care of these negative inquiries reporting to my credit report.      XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX    Inquiry    XXXX   XXXX ,  XXXX     XXXX    Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX   Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   Inquiry   XXXX   XXXX ,  XXXX    XXXX     XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX    XXXX  Inquiry  XXXX   XXXX ,  XXXX   XXXX   XXXX  Inquiry  XXXX   XXXX ,  XXXX    XXXX   XXXX   Inquiry   XXXX    XXXX ,  XXXX    XXXX   XXXX   Inquiry  XXXX   XXXX ,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XXXX of 2018 I chose to upgrade my XXXX for a XXXX XXXX phone. They stated that I would have 14 days to return the device if it did not work out. Well I did just that. The device had called 911 multiple times, and would freeze, lock and shut down. So on XX/XX/XXXX I returned the device after having issues with the local XXXX stores in Washington saying they couldn't accept it since it was an online order return. I returned the device per their smart label return envelope. I got multiple notifications that if the original device ( XXXX ) was not returned since it was a trade in, that I would be charged. After an amount of time they wound up charging me FOR THE XXXX, despite the fact that I told them I was using it which they could clearly see because I returned the other XXXX phone due to the issues. They said that they had not received it back yet and continued to charge me for the monthly fee for the XXXX phone as well. This caused my bill to just keep creeping higher and higher. There was MULTIPLE cases submitted to try to " fix '' it. I spent hours on the phone with different people and at the end of the day it was still not resolved. So in XXXX of 2018 they shut my service off for non-payment because they had charged me hundreds of dollars I DID NOT OWE THEM. The tracking showed the phone was picked up. They told me verbally the phone was in their system, but that another department had to " refund '' the account for it. So finally when the account was officially closed, they also charged me for the remainder of the XXXX phone that I didn't even have since it was in their possession. They then continued to try to collect the money, yet I do not owe them well over {$1000.00} of what they are trying to charge me and collect on. Then despite everything, they never tried to rectify the account and sent it to collection. I never got notice of the collection from the collection agency, and now the agency is reporting on my credit also trying to collect money NOT OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Diversified Consultants, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I do not have or had a account with Diversified consultants. I had a account with XXXX there client and I dont owe XXXX anything. I paid my bill for the month of XX/XX/2018 and canceled my service and went with XXXX XX/XX/XXXX even ported my number over to XXXX. Instead of sending me a refund they sent me a bill for a service I was not using and canceled. But now Diversified consultants has put it against my credit even though I dont owe anything. I want this to be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
Company: BB&T CORPORATION
State: WV
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
ON XXXX XXXX, XXXX, A DEBT COLLECTOR CALLED, CONCERNING A SO-CALLED OLE CELL PHONE BILL, FROM XXXX. THEY TOLD ME IT WAS FROM XXXX OR XXXX? 

THE SO-CALLED BILL, WAS FOR {$140.00}. I PAYED THIS VIA MY ''BB & T BANK DEBIT CARD '', ON THAT DAY, BECAUSE I WAS ABOUT TO CLOSE ON OUR ''NEW HOUSE '', ON XXXX XXXX, XXXX, LOCATED IN XXXX, XXXX I WAS AFRAID THIS WOULD CANCEL MY NEW HOME DREAMS ...? SO EVEN THOU I DID NOT OWE THIS CELL PHONE BILL, I PAYED IT. NOW THAT I HAVE BOUGHT OUR NEW HOUSE, I WOULD LIKE TO FILE A DISPUTE WITH ''BB & T BANK '', FOR THE AMOUNT OF {$140.00}. 

PLEASE RETURN THIS TO MY CHECKING ACCOUNT, BB & T BANK. 

THANKS, XXXX Other ( i.e. phone, health club, etc. ) Which of these best describes your issue? 
Threatened to sue me on debt that is too old to be sued on Describe what happened so we can understand the issue ... 

XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX SC XXXX BB & T CHECK CARD PURCHASE {$140.00} They told me I had to pay the CELL PHONE BILL FROM XXXX, EVEN THOU I DID NOT KNOW IF I EVER HAD THIS CELL PHONE #, OR NOT..? 

NEVER GOT ANY STATEMENT, OR BILL. THIS WAS SUPPOSE TO BE FROM WAY BACK IN XXXX OR XXXX? 

THE ''REP '', ALSO T0LD ME IF I DID NOT PAY NOW ... ( XXXX XXXX, XXXX ) ; THAT THEY WOULD TURN THIS BILL OVER TO ALL CREDIT AGENCIES.. ( XXXX ). 

AND THUS LOWERING MY CREDIT SCORE ... ... ( I TOLD HIM FRAUD HAD BEEN COMMITTED, WHILE I WAS LIVING IN XXXX, DURING THAT TIME, TIL XXXX. I MOVED TO THE XXXX IN XXXX XXXX, XXXX, RETURNING ON XXXX XXXX, XXXX. 
FRAUD HAD BEEN COMMITTED AGAINST ME, SEVERAL TIMES. I TOLD HIM ( XXXX ), THIS. 

AND THAT I WAS ''NOT SURE '' IF THIS WAS MY DEBT OR NOT. BUT THEY AGAIN THREATENED ME. AND I WAS TRYING TO BUY MY NEW HOUSE, THAT CLOSED ON XXXX XXXX, XXXX. 

I WAS AFRAID THIS WOULD HARM ME GETTING OUR NEW HOME, SO I PAID THIS UNKNOWN CELL PHONE BILL, THAT I HAVE NEVER HEARD FROM NOR ABOUT. 

THANKS, XXXX XXXX ... .EVEN IF I HAD OWED THIS..??? IS THERE NOT A TIME LIMIT WHEN BAD REMARKS COME OFF OF XXXX 'S CREDIT STATEMENT ...? LIKE AFTER 7 OR 10-YRS ....? BUT AGAIN, I DO NOT REMEMBER THIS SO-CALLED CELL PHONE BILL. 

Consent to publish the description of what happened? 
Consent provided What do you think would be a fair resolution to your issue? 

GET MY MONEY BACK, OR PROVE THAT NOT ENOUGH TIME HAS PASSED, THAT I HAVE TO PAY, ( IF I OWE THIS AT ALL ) ..???? 

PLEASE GIVE MY {$140.00}, & SEND ME A CHECK TO MY NEW HOME ADDRESS ( BELOW ). 

XXXX XXXX XXXX XXXX, XXXX XXXX THANKS, XXXX XXXX Information Edit this section Debt collection company XXXX Phone Number XXXX Supporting documents VA APPRAISAL $ 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