BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-10-07
Company: DISCOVER BANK
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX STOLE THOUSANDS OF DOLLARS FROM DISCOVER DOING CHARGE BACKS. you name it restaurant food, expensive trips to XXXX XXXX, XXXX, XXXX XXXX, designer purses, and this all dates back years she is a thief surveillance tapes will show her making purchases. DISCOVER choose to ignore this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Early Warning Services, LLC
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
zelle user under the email XXXX named XXXX frauds users seeking to purchase sneakers off XXXX XXXX XXXX XXXX They blocked me all while using fake references and pictures of inventory. Never purchase goods from XXXX using zelle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Other problem getting your report or credit score

Complaint:
My 'credit score ' dropped again today, XXXX points. I receive regular emails from XXXX Credit Bureau and today I received an email from XXXX alerting me that my credit scores increased. I login, to my XXXX account only to be disappointed again, that my score had been decreased XXXX points. There was never any increase today, according to the email sent to me, from XXXX, alerting me my scores had increased. As I reviewed my report, to figure out why my scores decreased, there was no explanation. Every time my score get into the XXXX 's, my score drops below XXXX. This has been going-on for the past year ( XXXX ), without fail and no real legit reason, why. 

I would like the 'cfpb ' to review my credit report history to see there has not been any recent negative activity on my 'credit reports ', ( also happening with TransUnion ) XXXX I'm told to use my credit cards to increase my credit scores, by realtor 's. I have a credit card with XXXX XXXX that suggest I use my card as much as possible, not to exceed a certain percentage or {$500.00} before the bill is due. Since having this card I've paid my bill on time, long before the bill is due, without fail. Do you know they increased by score, ( TransUnion ), XXXX point last month... that is an insult and no appreciation for on-time payments, to the customer, me. 

I've attached my recent XXXX report an a screen shot of my fake email sent to me today. I'm requesting reasons for the roller coaster ride I'm on with these credit reporting companies.

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 2022-04-30
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 U S DEPT OF ED/XXXX Account 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 Section 2 : 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 explanation
Consumer complaint received 2017-07-20
Company: Ocwen Financial Corporation
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
We paid off our mortgage on XXXX XXXX, 2017 and the loan servicing company, Ocwen, has not yet send the Satisfaction document to our XXXX XXXX County Register of Deeds to comply with state requirements for lien release/satisfaction. It has been over 3 months since we wired the payoff funds. North Carolina has statute 45-36.9 that states ( see attached ) : 45-36.9. Secured creditor to submit satisfaction or release for recording ; liability for failure. ( a ) A secured creditor shall submit for recording a satisfaction of a security instrument within 30 days after the creditor receives full payment or performance of the secured obligation. ( c ) A secured creditor that is required to submit a satisfaction of a security instrument or a release for recording pursuant to this section and does not do so by the end of the period specified in subsection ( a  ) or ( a1 ) of this section is also liable to the landowner for XXXX XXXX dollars ( {$1000.00} ) and any reasonable attorneys ' fees and court costs incurred. We discussed this situation with an Ocwen 'escalation relationship manager ' on XXXX XXXX, 2017. He  checked with the 'lien review department team ' and found a XXXX XXXX, 2017 e-mail stating 'data was missing ', thus preventing completion of the Satisfaction document. He said he would research and reply in 3 to 5 business days. However, we have little confidence that Ocwen will quickly or properly resolve this situation. We do have a XXXX XXXX, 2017 letter from Ocwen stating that they received the payoff funds XXXX XXXX, 2017 and that these funds satisfy the loan in full. The mortgage was originally with XXXX XXXX, who transferred that line of business to Ocwen Loan Servicing - a huge disservice to us - have had several problems dealing with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-09
Company: F.H. Cann & Associates, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XXXX the XXXX, 2020, I received a phone call from thee number XXXX. I asked what it was in regards to and they refused to answer. I asked what company she was calling from and she mumbled it out. She refused to spell it to me. I asked what kind of company it was and she refused to tell me without giving her my name. I had withheld my name at that point. I asked her again and I told her that the FCC laws ask that she disclosed this information to me or it could be construed as an unsolicited call. At this point it was an unsolicited call because she did not tell me who she was or why she was calling or what kind of company she was calling from. She refused to tell me anything until I verified whether I was or was not who I am. The name of the company was FH Cann And Associates. I called the party back and I requested this information once more and she hung up on me. Her name is XXXX. They called me earlier this month several times under different spoofed numbers. I have told them every time that I'm not giving my name out until I know why they are calling and they keep hanging up. And goes back to the same people. I have finally got the name so I thought I would report it today as this is an illegal practice. To this very 2nd, I have 0 idea why they would be contacting me. Nobody will tell me. I am in hopes that they will stop harassing me. I would like to be able to answer my phone and not be harassed. I've had at least 4 calls over the past week from unsolicited agencies, probably all this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-23
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I had opened an account in Wells Fargo Bank back in 2014 and they had automatically closed my account without my authorization and are now wanting me to pay an outstanding balance of {$160.00} in which I personally think that its not fair.

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 2015-12-18
Company: State Collection Service, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I made settlement with collection agency and paid the agreed amount. The agency after this, reported the XXXX Credit Bureau that I have a balance of the remaining amount. It dropped my score for almost XXXX points. When I called the agency to find out why they did it, they have no valid answer. I requested to speak with the supervisor, but he wo n't talk to me. I am planning to buy home soon, but now due to this I have to wait for months before my score gets up. I am really frustrated and request you guys to ask this collection agency why they did this. The debt is about three years old. They never contacted me. Recently, like they called me a month ago, and I settled the debt. During the last three or more years the agency never reported this debt this to any Credit bureau, but as soon as I settled this this debt they reported to the Credit bureau that this is a collection account. I really do n't understand this. All I can think is sheer negligence, incompetence, and carelessness on the part of the agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: SYNCHRONY FINANCIAL
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXXXXXX XXXX XXXX HIRED BY HSN SAYS I OWN XXXX DOLLARS ON A HSN CARD BECAUSE I HAD FLEX PAID AND I ONLY PAID FOR THE CARD CREDIT AND NOT FLEX PAY.I PAID THE DEBT. PAID THE CARD OFF AND AT NO TIME DURING THE PAYMENT SEETTLEMENT WAS I INFORMED THAT THE ACCOUNT CREDIT CARD HAS IS NOT PART OF FLEX PAY FOR PURCHASED. I PURCHASED ITEM WITH THE CARD THAT USE FLEX PAY. I GOT THE CARD SO I CAN USE FLEX PAY. SYNCB WAS THE BANK AT THE TIME AND UPON PAY.ENT OF DEBTi WAS TOLD THAT THE THE CREDIT BUREAUS WOUKD BE NOTIFIED OF THE ZERO BALANCE. 
2. HSN GOT PAID AND CLOSED MY ACCOUNT NOW THEY HIRE XXXX TO COLLECT ON A DEBT THAT WAS PAID. 
3XXXX TELLIBF ME I DIDNT PAID THE FKEX PART ON THE CARD. 
4. I GOT A SETTLEMENT AND WAS NEVER TOLD ANYTHING ABOUT THE HSN CARD NOT BEING PART OF FLEXPAY. THATS WHY I GOT THE CARD TO USE FLEX PAY. 
5. I HAVE A ZERO BAN E THAT HSN REPORTED .NOW HSN WANTS TO COLLE CT ON A CLOSED 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 explanation
Consumer complaint received 2022-08-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I pulled my credit report on XX/XX/2022 and noticed there is a debt under my name for a broken lease at the XXXXXXXX XXXX XXXX. The company then sold the account to National Credit Systems. My identity was stolen and used to open this account without my prior knowledge nor my consent. It is affecting my credit as we speak in a derogatory manner. I have submitted a complaint with the fraud departments for all three major credit bureaus and will be filling a complaint with my local police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge 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:
In the fall of XXXX I purchased a laptop computer on XXXX. I wished to finance the purchase so I completed a credit card application offered from Synchrony Bank exclusive to the site. However, upon completion of the application, I was not issued a high enough credit line to purchase the computer and the purchase failed. I then paid with a separate card in full and the product was shipped to me. Regardless of using my other card to purchase the product, Synchrony Bank still issued the card and then charged a {$150.00} to that card for no reason that I could discern. I did not authorize the charge and the card was never used by me subsequently. Sychrony Bank then proceeded to issue statements with that amount charged to me and began charging interest on it when I did not pay. Not only was the purpose of opening the card frustrated by the low credit line issued to me, Sychrony Bank then fraudulently charged the card without my authorization. After non-payment on my end, Sychrony Bank has no sold my account to a debt collection agency for non-payment with a balance of {$380.00} ( up from the initial fraudulent charge of {$150.00} ). I  have filed a fraud claim with the collection agency, but I am worried that this debt will be re-sold to others and will negatively affect my credit score for years to come.

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 2020-04-21
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
In XX/XX/XXXX Chase Card Services allowed an individual to open not just one, but two credit accounts in my name with this person as an authorized use without my knowledge or consent. I feel this is criminally negligent action by Chase Card Services. My credit score at the time these accounts were opened was so bad that I was turned down for a simple XXXX XXXX XXXX  XXXX  XXXX! These accounts were apparently both with {$5000.00} credit limits with were exceeded by this individual. I found out about these accounts when I applied for a home loan in XXXX and they showed up on a credit report. This person, later found out to be my soon to be ex-wife was secretly making minimum payments and these were set up as online accounts to a bogus email address I had no knowledge of. Chase Card Services initially agreed that I was not responsible for these fraudulent accounts, but later changed that decision as the secret payments were coming from our joint checking account. Regardless, these accounts should never have been allowed to be opened in my name, especially considering my credit score at the time. Speaking with their Fraud Department, I asked if anyone with my name, birthdate, SS #, and a bogus email account could open a credit account. Her reply was " yes ''. Criminal. My credit score is destroyed. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: PNC Bank N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Was given a promotion to spend {$500.00} and would receive {$100.00} statement credit back. Still have not received it and called customer service, they stated working on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-20
Company: EQUIFAX, INC.
State: NC
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:
Issues with XXXX not allowing me to file complaints at all anymore about the issues that I am having. Equifax has me listed in a fraud thing and they havent tried to fix anything. Its under XXXX XXXX, i am XXXX XXXX. I am so sick of people taking my information and then me being blamed for everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Other problem getting your report or credit score

Complaint:
On XX/XX/2019 I was routed to an employee with XXXX  by the name of XXXX employee ID XXXX. When I attempted to find out why my credit score went from XXXX to XXXX, because the notification stated that the " consumer disputed the account '' which I knew this was not true he advised me that in order for me to obtain that information. I would have to pay {$15.00} to receive my credit score verbally or to have the remarks read to me that were left on my credit file. 

I immediately stated that I would like to speak to a representative in the United States. Every time I call XXXX  I am routed to an International representative. XXXX employee ID XXXX routed me back to the United States in order for me to get the information that was requested, but upon obtaining that information. I found that the remarks were reported incorrectly neither I or my credit card provider had reported that I was disputing the entire account. 

When I contacted Transunion I couldn't even get anyone on the phone they have an automated systems that refuses to put you into contact with any live representative. 

Regarding XXXXXXXX XXXX. I would like to know why they are changing accounts numbers on accounts that if ever need to be referenced would no longer exist under the same account number?

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 2022-06-15
Company: Fay Servicing, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
my insurance agent called me they did not pay my insurance bill many times. How many times my insurance agent called me that how many times I called them. I got different answer from their call center in every time. total times should be 4 times for now. first time. their agent told me they did not receive the invoice. 2nd, they told me received invoice will send out the check.3rd, agent told me did not receive the invoice when I just called in. and 1mins later. she told me you got the invoice and will send out the check same day. 4th, one agent told me did not received invoice in very rude attitude. my insurance is under canceling now because nonpayment. I m so worry about that If there is anything happen, I do not have insurance to cover me. please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-04
Company: CITIBANK, N.A.
State: MS
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I got a cancellation notice from sears in XX/XX/XXXX I would call the company and never get through and no one would come to fix anything so I discontinued my warranty today I got a bill for the amount of {$300.00} never knew anything about owing this company a dime until they filed bankruptcy they never came to fix anything and would refuse to answer the phone. The last time they came to fix anything they advised I did not owe anything and it was a mistake on their part for having me wait 3 months for paying for the service and no one coming to fix my house.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Indicated you were committing crime by not paying debt

Complaint:
KNOWLY PROVIDING FALSE INFORMATION TO CREDIT ALL 3. THIS ACCOUNT IS BEING FALSELY REPORTED BEING OPENED ON XX/XX/2019. THAT HAS A HIGH IMPACT ON YOUR CREDIT UNDER 2 YEARS. THEY XXXX WERE BOTH REPORTING THE SAME INFORMATION AT THE SAME TIME FOR YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I rented a care through a third party ( price line ) for XXXX XXXX  XXXX  I returned the vehicle two days late and the car company over charged me {$1000.00} for the two days. I disputed the transaction. and bank of America allowed it. I provided rental agreements and receipt

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: Coinbase, Inc.
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
starting the day of XX/XX/XXXX i was logged out of my app i used every resource on coinbase to contact them thru there social media accounts company an etc. there automated service is not reliable.this is a centralized app that deals with money daily but cant pick up the phone. im trying to fix my login issues an theres no way for me to reach them thru a email support request to change the email on the account that i dont have the password for.they have all the info they need to make changes but the format in which they are going is incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-21
Company: DISCOVER BANK
State: AR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
The card is thru Discover. I called them to see if they would lower the interest rate on my account since i have been with them since XXXX and have never missed a payment. I first called them on XX/XX/XXXX and they offered a 6 mth program which lowered the interest rate down to 9.99 % but for only 6 months. 

I enrolled in that program and was now that the 6 months is over the interest rate has gone to 22.99 %. I called Discover yesterday, XX/XX/XXXX and was told they can not offer and are not offering any help due to the covid 19. I expressed my concern why they are not willing to work with their clients like other credit card companies do. But the lady i spoke with just keep stating that there are no plans and since i just did the 6mth hardship that i am not eligible for any programs for 1 year. 

I have never paid the bill late, i pay early and usually pay more then the mininum. I don't want the card any longer and with interest rate so high it will take forever to pay it off. i have tried to get personal loan to consolidate and pay the card off but no luck. 

Please help.

Company response to consumer: Closed with non-monetary relief