BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-27
Company: SYNCHRONY FINANCIAL
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
someone tried getting credit information and i was unaware of that

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 2015-04-15
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I applied for this card specifically for a medical/dental issue. However, they are listed on my credit report as revolving credit, not medical, which is inaccurate. The correspondence came from Synchrony bank which I did n't recognize as Care credit so I questioned the validity on the account and was therefore late on my XXXX payment. Now that I know who I am dealing with, I will be making regular payments on time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
i am unemployed for 3 months. facing loss of apartment. forced to sell my car. got the check yesterday XX/XX/XXXX. deposited check for {$7000.00}. Chase bank told me i had to wait 1 day to access the funds. then proceeded to tell me they were not going to cash the check until XX/XX/XXXX because of suspicious activity. I got in contact with Chase Deposit department ( today ) and they told me that there was nothing they could do. that i had to wait until the XXXX or XXXX to get my check back. 

they are essentially holding my account/ my money ( {$7000.00} ) hostage. they will not let me go to the bank of the check ( XXXX ), they will not let me use my money. I have urgent bills that need to be paid immediately otherwise i face eviction. i havent eaten because i have no money. 
Chase bank continuously discriminates against people with low amounts of money in their accounts. I have friends with XXXXhase that are better off and they dont experience these issues.

I can not wait 7 to 11 days to get my check back. Please help me i told them how urgent and dire my situation was and they dont care. i asked for a supervisor or name information from the phone call and she refused to give out full name. I cant even report to Chase because they dont care. 

I have XXXX to my name, I need the {$7000.00} so that I can continue to live

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: EQUIFAX, INC.
State: AL
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've tried repeatedly to get a credit report from Equifax. They do not respond, or they say they can not verify me. I've sent in documentation such as a valid Driver 's license, Social security card and utility bill and still no information is given to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: JPMORGAN CHASE & CO.
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I enrolled in XXXX through my credit card company ( XXXX, XXXX XXXX XXXX JP Morgan Chase XXXX XXXX The XXXX did not trigger at the end of the payment period and thus there was a large balance on my account. As a result, my credit score dropped significantly. When I called JP Morgan Chase, I was told that they did not automatically pay the balance because, at some point during the pay period, I had chosen to make a payment on my account ( to minimize my balance... .like a person trying to maintain good credit ). 

This is false advertising. If XXXX enrolls in XXXX XXXX, you do so because you expect that the company will not let you take hits to your credit like this for unpaid balance. 

When I called the company, they seemed disinterested in this being an issue. As a result of this issue, my credit is worse and I'm having to dispute this through the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
Bank of America XXXX BOA XXXX continues to defy the CFPB and other governmental agencies including legislation. 
This is my XXXX separate complaint against BOA, apparently your office is simply a 'Horse and Pony '' show. This time BOA has found a way to manipulate legislation by charging {$65.00} for a returned check they do so by breaking it down into XXXX separate charges XXXX. {$40.00} for " Payment returned unpaid '' XXXX. " returned check fee '' I thought REALLY i mean are you kidding me ...! I had to break down laughing for the boldness and obvious lack of respect towards all governmental agencies. Let me give you a bit of insight on how all banks respond to the CFPB 's investigations. 
the CFPB contacts the bank ( let say BOA ), a representative from BOA emails or calls me apologizing but offers NO solution. I am always stuck filing lawsuits and dealing with this alone. By the way, I have n't lost a lawsuit yet against any financial institution or credit bureau ( XXXX ). However, it is time consuming and invasive. 
So you guys can continue to be ineffective or dig down and do what XXXX XXXX Americans continue to hope for. 
Additionally, although I have filed disputes with the credit bureaus and BOA, BOA continue to deliberately violate Fed. Law XXXX FCRA ) by confirming accuracy of debt DURING the dispute process. ( In other words, they do n't give a XXXX about policy ) In the meantime, XXXX XXXX we launched last year intending to educate voters and expose political XXXX focused in MICHIGAN. However with over XXXX XXXX registered voters in our data base we decided to go national ( website is currently under construction so we can handle the heavier traffic ). But to see our effectiveness you only need to research what happened to XXXX XXXX XXXX XXXX and guess who was responsible to exposing that XXXX! 
XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: American Credit Acceptance, LLC
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I entered into a consumer credit transaction iwth American Credit Acceptance on XX/XX/XXXX. They reposessed and sold the vehicle in XX/XX/XXXX. They continued to list the tradeline with CRAs even though they collected payment for the vehicle when they sold it. I sent a cease and desist on XXXX that they never validated. American Credit Acceptance removed the tradeline on or about XX/XX/XXXX from the CRAs. I mailed an invoice for all civil liabilities. I demand payment in the amount of {$48000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2022 I submitted a withdrawl request of {$200000.00} from my savings account with Marcus Goldman Sachs, with more than ample funds and ask that amount to be sent to my XXXX bank checking account. I gave all the XXXX information they needed to do that. I explained that this money was for a home in escrow and these funds are time senceitive. I called probably 15 times put on as many as 8 holds and Marcus Goldman Sachs never gave me a reason why they would not release the money for transfer. I spoke to supervisors and no information was given just they need several more days, and then you call again and the same answer more days to review. They put a hold on my online Marcus Account and I was unable to access the accout. I called XXXX and told them that I had sent my problem to you and that I was recordding the line. They unlocked my on line account and I had to place a new withdrawl for funds. I am hoping that this withdrawl goes through but I don't trust them. I will withdraw the rest of my savings and 3 CD 's after I receive the requested funds. Please review and help me find a way to do this without going through the above once again. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Credit determination

Complaint:
Last year, I filled out a card application for a US Airways Credit card. BUT I never submitted it. I gather that it was left at the seat and some airline employee submitted it for me. When I received the card I immediately canceled it. BUT a hard credit inquiry was made by Barclays Bank in XXXX Delaware which stays on my Credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-18
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to Experian for inaccurate information reporting on my credit report. I listed the account and told them Of violations they were making to my consumer report. It has been now over 30 days and have failed to respond. I am attaching a Copy of the letter sent below.

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2021-08-27
Company: DISCOVER BANK
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Just in case Discover do not or ignore to an

swer again, I will summarize for you again and ask the question. Since I do not get answers for the past three months when I asked million times. 1. Send me all the statements from XXXX  which need to show my payment as well. 

2. Admit that it is fraud that " ur records confirm that we attempted to contact you by phone 99 times from XX/XX/ to present to assist in the repayment of your account. '' because I have a email from you guys that I received on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-28
Company: Credit Solutions, LLC (KY)
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Sectio n 392.101 of the Texas Finance Code pro hibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a  surety  bond and filed a copy of the bond with the Office of the Secretary of State.      CREDIT SOLUTIONS, LLC does not have a surety bond filed with the Office of the Secretary of State in TEXAS. All c ollection attempts must cease and information must be removed from credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-29
Company: EQUIFAX, INC.
State: AL
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:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. XXXX XXXX has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. XXXX XXXX say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers XXXXThis was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My dad passed away on XXXX/XXXX/2016. He had a checking account with Bank of America with a somewhat substantial balance. My dad was diagnosed with XXXX 2 years ago and decided that he would put my brother and myself as beneficiaries on the account. He did this with the understanding from the bank that upon his death my brother and I could go to the bank with identification and death certificate to get the funds. 
However, we did just that and Bank of America said they could not disburse the funds to us that everything had to go to their Estate Unit. The Estate Unit would review everything and if they felt everything was good they then disburse the funds. This could take up to 72 hours for them to review and then they would decide if they could disburse the funds. From a legal perspective the purpose if the POD/beneficiaries is so that you do n't have to wait to receive the funds. My dad set the account up this way so that we would have money to pay for the funeral. 
Bank of America thinks they can do whatever they want and make up any rules they want. No one should have to go through the nonsense we went through today to get the money that is legally theirs.

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 2017-01-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Naviant has put an extra {$30000.00} on my loan saying thay I owe a total of XXXX. Since they took over my account all they would do is put a forberance on not fully telling me they 'll be charging all these fees. I only have a two year degree from XXXX college. Navient and XXXX XXXX are robbing students who attended for profit schools.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I just read the press release and if it pertains to me, I 'm upset that I was never told about income aligned repayments as I struggled to make payments with a minimal income.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-27
Company: Io, 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 am filling a complaint against XXXX XXXX because they are attempting a that is I do not owe them. Account Name : REC MGM SYS, Account Number : XXXX. 
I would like for REC MGM SYS to show proof of verification that I owe them {$590.00} with the account above. I demand to see the Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed above. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of the verifiable proof, you must remove the accounts listed above.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-13
Company: Specialized Loan Servicing Holdings LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
As of XXXX, XXXX XXXX, XXXX XXXX sold my mortgage loan to Specialized Loan Services ( XXXX  ). 
I have been and currently is occupying the residents, in my XX/XX/XXXX loan statement, specialized Loan services decided to charge me a Property Preserve Abandon fee of {$300.00} XX/XX/XXXX and a late fee of {$75.00}. 
I have made several attempts to resolve this issue with Specialized Loan Services. SLS/XXXX 
I received a letter on XX/XX/XXXX from XXXX XXXX manager stating they contract XXXX  to inform them of vacant property, the charges were not initiated by XXXX  XXXX or XXXX. 
Specialized loan services contacted XXXX separately to register my residence as abandoned/ vacant and charge incorrect collection fees and force foreclosure. 
XXXX has never sent a notice stating the residence was vacant. per XXXX  email from a list of my questions. a notification would only come from XXXX or the XXXX. SLS continues to make false statements that XXXX  XXXX wants the property to be registered upon any delinquency.Which is not true. SLS has refused to show proof and to resove this isssue with my loan.

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 2022-03-18
Company: Experian Information Solutions Inc.
State: OH
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
On XX/XX/XXXX, and XX/XX/XXXX, my personal credit score dropped XXXX points on Experian 's website. The score reported on XX/XX/XXXX caused my Fico8 score to drop from Exceptional to Very Good. On XXXX, XXXX my score dropped from XXXX to XXXX and on XX/XX/XXXX. XXXX my score dropped from XXXX to XXXX. The later drop was based on a reported XXXX XXXX card balance of XXXX US Dollars, This was THE ONLY balance on all of my credit period. I made inquiries to Experian as my information has been breach by them in the past. After numerous attempts and transfers through Experian 's not consumer friendly phone tree, I was able to speak to representatives. The CSR 's blamed me for not having a loan or mortgage reported or suggested I hire a licensed credit counsellor. They claimed this drop was ultimately my fault. XXXX and XXXX did NOT reflect any drops in my scoring at this time. Experian makes it extremely difficult to resolve a problem in an expedited fashion.

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: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
Due to an entry-level income after finishing college, I was unable to meet my steep $ XXXX student loan payments monthly. Navient, my student loan provider, recommended forbearance and told me I was ineligible for any form of income-based repayment over and over again. As a result, over the past 4 years, I have seen my XXXX student loans totaling {$42000.00} collect {$12000.00} in capitalized interest. I was told this was my only choice to keep my account current and in " good standing. '' I was never given any other options, short of failing to make payments altogether and destroying my credit in the process. 

It was n't until I learned that Navient was under investigation and started looking closer into my statements that I realized this had taken place. I have made regular payments, and yet my combined principles have risen to approximately {$55000.00}. 

I studied overseas, so my school is not in the drop-down menu below. I earned my XXXX from the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: Heritage Financial Group, Inc.
State: IN
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
I have been laid off at the moment due to the covid 19 I have sent the screen shots from my work that has shown them that I have been off and havnt returned to work. I have already menchend to them that I am waiting for my unemployment or my stimulus check and that I will be able to arrange a payment plan and make payments on the car and they continue to harass me and mention that my car is the list to be repoed in XXXX. They have continue to send me letters in the mail. On Monday XX/XX/XXXX at XXXX they sent a gentle men named XXXX to my residence from XXXX XXXX XXXXXXXX XXXX  to make sure that the car is still here and to tell me that heritage is trying to get ahold of me which I have already known but their is no reason for this to continue to happen after I have already spoke to them about the situation and how i will be able to resolve it after i receive money. It worries me that they will take the only need of transportation that I have to get my child to his XXXX  appointments and to get his formula and wic and his diapers and wipes. It just puts so much stress on me trying make sure that I can have a vehicle to make it to work and back after the covid 19 is over to make it to work to provide for my family. I just want to be able to make sure that I can continue to provide for my family and we will be okay and reassured that I wont have to worry about losing my job or my car. The car is a XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation