BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-13
Company: SYNCHRONY FINANCIAL
State: NY
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 in hospital with a concussion and had someone try and pay this account. It is paid in full each month. PayPal and Synchrony Bank ( CREDITOR ) made it impossible to get a payment processed and then initiated " ROBOCALLS '' to my cell phone ( being forwarded to business associates ) that caused a great deal of embarrassment.

The only account I maintain is a PayPal XXXX XXXX and Creditor opened a second account, XXXX 1910 XXXX XXXX, without permission, that did not include the 2 % cashback value. 

The XXXX account does not reflect credits for returns of {$2800.00} and is attempting to collect interest and late fees as a result. 

The unauthorized " second account '' opening not only deprived us of the 2 % cash back but allowed Creditor to add another {$29.00} late fee and {$2.00} interest. Again, the Creditor made it impossible to make a payment on this account by my associate. 

The Creditor made it impossible to make payments as it required excessive security protocols.

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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 this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico 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 Transunion. I do not understand why they are abusing consumers .This 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 Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe 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.with no 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 non-monetary relief
Consumer complaint received 2018-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Card was charged for something you did not purchase with the card

Complaint:
I am writing regarding charges XXXX XXXX XXXX XXXX is trying to levy against me. 
Sometime in XX/XX/XXXX or XX/XX/XXXX I opened an account with Capital One. In XX/XX/XXXX or XX/XX/XXXX I got a call from the bank saying they were seeing suspicious charges and wanted to close the account. I said OK, the travel rewards promised were never delivered anyway. In XX/XX/XXXX I purchased 2 tickets from XXXX to XXXX XXXX with my rewards. I elected an electronic purchase, but there was no record of my purchase when I arrived at the airport. I had to pay $ 400-500 for my tickets. 
In XX/XX/XXXX, I received a call reminding me that I had not paid $ 15-16 owed on my account. I quickly called ( on XX/XX/XXXX ) and told them : 1. I no longer had an account and 2. I hadnt made any charges. 
The person I spoke to agreed to reverse the charges since they were not mine. I do not have a recording of the call, but can show I made an approximate 12 minute call to Capital One. 
Since that time I have received repeated requests for late fees. I have written 2 letters to the company ( attached ) explaining again that the charges are not mine. The total requested is now {$62.00}. 
I have 3 credit card accounts that I use for convenience. I pay the charges every month online ; approximately {$3000.00} per month. If I made a $ 15-16 purchase, I would pay it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-08
Company: Credit Karma, LLC
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Confusing or misleading advertising or marketing

Complaint:
Credit Karma Always telling me I had a high chance to get approval on credit cards, buy now pay later, and personal loans but I would put my information in to these places and get turned down for credit then I started receiving phone calls, emails and txt messages from spam mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
XXXX inquiry on XX/XX/XXXX XXXX inquiry XX/XX/XXXX XXXX inquiry XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX CA XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX Dept of Education : XX/XX/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 2017-06-19
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
To Who m It May Co ncern   XXXX   XXXX    XXXX   XXXX   XXXX , CA  XXXX    XXXX   XXXX   XXXX .  XXXX   XXXX   XXXX , TX  XXXX  Equifax  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , GA  XXXX   XXXX ,  XXXX   SOC S EC #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  To Who m It May  Concern : This letter is a formal request to correct inaccurate information contained in my Credit Reports. The item  ( s ) liste d below are as follow : Please update to the correct address  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  I HAVE BEEN LIVING THERE SINCE  XXXX / XXXX / XXXX  Have enclosed  XXXX  bills PLEASE UPDATE MY CUREN T ADRESS AD DRESS :  XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  BELOW IS NOT MY ADRESS  XXXX   XXXX   XXXX   XXXX     XXXX   XXXX , FL  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  , FL  XXXX  MY CORECT NUMBER  XXXX  CELL Requested Correction : please update all info to my correct info I have sent all evidence to support your claim ] In accordance wit h 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) ( i ), I request that yo u investigate my claim and, if after your investigation, you find my claim to be valid and accurate, I further request that you immediately : delete, update, correct ] any and all the item.     Furthermore, pursuant t o 15 U.S.C. 1681i ( b ), I   request that you supply a corrected copy of my credit reports to me and all creditors who have received a copy within the last 6 months, or the last 2 years for employment purposes.   Additionally, please provide me with the name, address, and telephone number of each credit grantor or other subscriber to whom you provided a copy of my credit report within the p ast six m onths.     Moreover, if your investigation shows the information to be accurate, I further request that you forward to me a description of the procedure used to determine the accuracy and completeness of the ite m ( s )  in question, including the business name and contact information of any furnisher within 15 days of the completion of your reinvestigation as required  by 15 U.S.C. 1681i ( a ) ( 6 ) ( B ) ( iii ). You are bound by Federal Law to comp ly with the above requests within the time periods specified. Failure to do so will result in a complaint being filed with the Federal Trade Commission I have also enclosed a copy my state issued ID and a paystub statement with my Name and current address.      XXXX   XXXX  SS #  XXXX  DOB  XXXX / XXXX / XXXX  ADDRESS  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-14
Company: ERC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
After closing my cable account with  XXXX , they later sent me a bill saying that I did n't return merchandise but I DID. I did n't get a receipt from them when I returned the merchandise. I was n't advised to by the employee that I would or could get a receipt when I returned the merchandise. They later billed an additional {$130.00} the total ended up being {$300.00}, which was paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Employees charged me {$5.00} for a replacement debit card that doesnt work. I came in today ( Saturday ) to get it fixed and employees refuse to help me. I have to work during the week XXXX to XXXX and this awful company ( Bank of America ) closes at XXXX. The replacement temporary card does not work and I use it for my second job at XXXX. I need access to my funds over the weekend. If this is happening to me, it is happening to others. I REFUSE to take off of work to get business done. THIS IS NOT MY PROBLEM. I DID NOTHING WRONG. THE BANK WILL NOT FIX THIS AND IT IS RENDERING ME UNABLE TO DO MY JOB. I am going to contact an attorney. This is what is going to happen : 1 ) Bank of America will pay for my lost wages from XXXX since I do not have access to my funds 2 ) Bank of America will pay me for the lost time from my regular job since I have to leave work to take care of this during my work hours 3 ) Bank of America will pay my attorney fees for the consultation and any retainer I need to pay to speak with said attorney Im losing around {$400.00} from XXXX because I can not access my money to pay for gas. This is on the low end as I can make well over {$500.00}. I can provide proof. 

Im losing around {$250.00} for having to leave my full time job during the week I have to take a half-day. That is company policy. 

The Bank of America branch that refuses to help me is in XXXX XXXX XXXX XXXX in XXXX VA . The person who refused to help me is XXXX. 

Please understand it is YOUR JOB to take care of your customers. Your bank is an absolute nightmare. Im sorry I started banking with you.

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 2022-09-08
Company: Mr. Cooper Group Inc.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Right after Covid started. I went on a forbearance with my Mortgage company. At the very end of my forbearance we decided to do a loan modification. This was in XXXX of 2022. After 4 different attempts to send them back all the necessary paperwork notarized to finalize the deal they finally accepted it. All three of the first three attempts that had to be resubmitted were errors by XXXX XXXX. Not errors by me. So from XXXX when the process started until the beginning of XXXX after the fourth time sending everything in it was finally accepted on their end. After trying for a couple months to sign into their website to navigate and learn it I was finally able to in late XXXX. In the midst of all this XXXX XXXX sold my Loan to a company called Right Path servicing. It wont let me navigate certain things and wont let me make any kind of payment. My biggest concern is that at the top of the website when i sign in, it says account under review by underwriting. It also says that once all notarized papers are processed the account will be unlocked as soon as everything passes. Thats kinda strange to me because they accepted the modification in XX/XX/2022. The reason it took over 5 months to get everything worked out is because the first three times they sent the packet to me it was wrong and all were errors on their end. And now we are in XXXX and it still says that I cant make any kind of payment on my account and that all my stuff is being reviewed 9 months later. They have been calling me every day for the last 5 months telling me the same thing everytime, that they are a debt collector, etc, etc. I always ask them the same thing. Why is my paperwork still being reviewed 8-9 months later? Nobody can give me an answer at all. I refuse to make my payments that were slated to start on XX/XX/XXXX, because nothing is finalized on their end yet. Its strange because my payment went up and so did my mortage rate as well.Im honestly contemplating doing a refinance with a different company just to get away from this company all together. Before Covid i made all my payments on time and never had any issues. I fell on some hard times and it is what it is. I would really like to see what my options are please. I really dont want to lose my house. I can make the XXXX, XXXX, and XXXX payments if needed but I just dont know why the papers are still being reviewed after all this time. Please help me with some options. Thanks and Have a good day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-19
Company: PRACTICAL VENTURES, LLC.
State: TN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I received a loan from them 3 years ago! I paid faithfully {$75.00} twice monthly for 3 years which comes to an estimated cost of {$3600.00}. The loan was {$420.00}! I told these scam artist that I could no longer afford this loan and I have paid this loan in full over the course of 3 years. I would go in to pay and give them {$500.00} cash and they would return {$420.00} to me. In the first year of this loan the ladies XXXX and XXXX would only take the {$75.00} fee and a new check. The last two years I would give them {$500.00} cash and a check written for {$500.00} and they would give me my own cash back of {$420.00}. I asked the ladies to help me that I could not continue to do this SCAM WITH THEM FLIPPING MY OWN MONEY $ $ $ . They threatened me, called my phone and my family 's phone and employers phone all day long. HARASSED EVEYONE VICIOUSLY!! They then filed papers against me with court date in TN to garnish my paycheck in AR where payday loans are illegal. They also used two different attorney office XXXX XXXX XXXX AND XXXX XXXX XXXX IN AR! I live in TN!! XXXX AND XXXX BEFRIEND YOU AT AAA CASH FAST AND THEN WHEN HELP IS NEEDED THEY TURN INTO SPAWN OF XXXX!! XXXX AND XXXX YOU TWO ARE SCAM ARTISTS AND I HOPE YOU SLEEP WELL BY THIS SCAM THAT YOU HAVE YOUR HANDS IN. GRACE AND MERCY TO YOU BOTH AND I KNOW THAT YOUR BILLS ARE NOT BEHIND ARE THEY!!!?? AND YOU ARE NOT A BBB BUSINESS ; YOU ARE XXXX MONEY SCAMMERS!! Be BLESSED AND LORD HAVE MERCY ON THE SEEDS YOU HAVE PLANTED!!!
Sincerely, GET YOUR MIND RIGHT-XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-13
Company: AES/PHEAA
State: ME
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:
I had already submitted a complaint here but havent heard anything. 
I have consolidated federal loans with Fedloan servicing and I am enrolled in the loan forgiveness program. I had unfortunately needed to do a XXXX  XXXX bankruptcy in 2013 for 5 years I talked to fed service about the loan forgiveness at that time or before I believe when it was XXXX maybe. Anyway during the XXXX  XXXX I demanded that my stir T loans be paid during this time to ensure I would be getting credit for the months while in the 5 year bankruptcy which I did I faithfully paid my monthly payment automatically through the bankruptcy liaison for the 5 years. Then I was told after the 5 years that because they ( fed service ) didnt have me in the right program that none of those payments would count. Then with Covid relief I was told that those payments would count and that someone would be reviewing and would let me know. Well they said that they still dont count and XXXX will b paying for another 8 hears on my 10 year plan ( Im a XXXX  and qualify for loan forgiveness ) I asked to speak with a supervisor and they gave me one and she said oh we shouldnt had taken any money from you and we will b reimbursing you all the money u paid in. ( which they never did ) I really would prefer to have the months count towards the Temporary loan forgiveness guidelines. Ya know I am in this ridiculous mess from my XXXX loans which I believe were originally only round XXXX I was misled also as I was originally told they would all b forgiven if I stayed in maine.and the interest rates are ridiculously high I will never get ahead Please help. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-03
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
XXXX - When I had my loan first set up with this company they used LoanCare to process the payments. 

I had a loan number ending in XXXX I would send payments through XXXX XXXX. 

XXXX XXXX quit using loan care, so I went back to sending them payments directly They changed back to Loan Care for servicing. 
I went ahead and made the change in XXXX XXXX. What I did not realize was they changed my loan number ending in XXXX I sent them 3 payments they SAY, they can not find. XXXX XXXX and I have sent them Trace ID 's and I have sent them Proof of Payments from XXXX XXXX. They have the account numbers. I've been calling them every week since XX/XX/XXXX. 

I can not get them to credit my account with the 3 payments.

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 2022-03-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like my personal information corrected

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 2022-02-18
Company: EQUIFAX, INC.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I viewed my credit report back in XX/XX/XXXX and noticed an account on my Equifax and XXXX credit reports that I did not consent to, authorize nor benefit from the account, The account is with TDRCS/MOR FURNITURE FO. The credit limit is {$5700.00}, the highest balance was {$2900.00} and the balance is {$1400.00}. I submitted a FTC Report to both Equifax and XXXX in XX/XX/XXXX and XX/XX/XXXX, however the did not block and remove the account nor did they provide me with competent evidence that I have any legal obligation to pay TDRCS/MOR FURNITURE FO. Therefore they are reporting invalidated and inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
PORTFOLIO RECOVERY IS ATTEMPTING TO RECOVER FUNDS I DO NOT OWE. THEY ARE WORKING WITH XXXX  XXXX TO RUIN MY CREDIT WORTHINESS. I LITERALLY LOCKED MY CREDIT AFTER ALL THIS NONSENSE. 

I DON'T OWE. I RETURNED THE BOX. THEY LOST THE BOX. IT IS NOT MY FAULT. I DON'T OWE YOU MONEY. OR XXXX  XXXX. OR XXXX. OR ANYONE ELSE IN THIS MINAJ OF XXXX 

LEAVE ME ALONE. 

IF YOU PERSIST, I WILL BE SUING YOU UNDER THE FCRA AS AN AGENT OF XXXX  XXXX OR XXXX. WHOMEVER. I DON'T OWE YOU ANYTHING. 

LAST WARNING. NEXT COMMUNICATION WILL BE A SUMMONS, COMPLAINT, OR SUBPEONA. TRY ME. 

XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief