BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-14
Company: Tower Loan of Mississippi, Inc.
State: LA
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:
tower loan contacted the individuals whom i put down as references in the event i could not be reached and shared information other than whomever was calling and a telephone number. they told they my loan was delinquent and legal actions would be taking if i did not contact them soon. they also called me multiple times per day alomg with my references. this is very unprofessional and a breech in company confidentially i also have a voicemail where information more than contact information was left amd received calls from cellphones before as well.

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 2016-12-07
Company: Alliance Collection Agencies, Inc.
State: NH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX I WAS BILLED BY XXXX FOR THOUSANDS OF DOLLARS OF MEDICAL SERVICE. I PAID XXXX BY CONSENTING TO REMOVING A MONTHLY AMOUNT OUT OF MY CHECKING ACCOUNT. I CALLED XXXX IN BILLING AT XXXX AND I AM MADE SURE MY ACCOUNT WAS PAID IN FULL ON THE LAST PAYMENT YESTERDAY I GOT A COLLECTION AGENCY STATING I OWED {$59.00}.

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 2021-01-06
Company: CITIBANK, N.A.
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
In XX/XX/XXXX, Citibank said they sent my money back to XXXX and XXXX never received the money and they will not furnish me paperwork on proof of funds sent to XXXX. I have a right to see prof where my money is at. Citibank are a corrupt company they steal money from people and believe they dont have to give it back. I want my money back from this corrupt bank NOW

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 2016-05-09
Company: First Associates Loan Servicing LLC
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I went to XXXX XXXX Va from XX/XX/XXXX to XX/XX/XXXX..I 'm XXXX and I have {$60000.00} in student loan debt from XXXX XXXX XXXX XXXX {$30000.00} from federal loan and the rest from a private lender. My student loan payments are about {$520.00} a month just from the private lender Peaks loan. XXXX XXXX sold it to them and i got stuck with them. I make XXXX payments to the same private lender every month and they wo n't consolidate it because they said it has different interest rates.They would n't even tell me who owns the loans. that 's when i sense fraud.When i was reading about XXXX tech getting sued in the comments sections everyone was just about in the same situation I 'm in.I want to file or join a class action lawsuit against them. I am incapable of feeling relaxed when I think of my finances.I do not foresee my future children 's lives improving beyond my own as I will be incapable of providing to them the things I had as a child due to my debts.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
I applied on-line for credit from CareCredit at a XXXX store in XXXX XXXX to cover emergency care expenses for a pet last year. The basic application required name, address, phone numbers, e-mail address, social security number, date of birth, housing info, monthly income from all sources. In addition must answer " yes '' if a joint application. 
Just below that section is a choice for statement delivery : either electronic delivery or paper statement. Up to this point all are blanks to fill in. But below the main application is an Ad for CardSecurity displayed in block form with dark background which appears not to be part of the application itself and with a heading in small print " Optional Card Security Enrollment Selection '' Below the Ad, it has XXXX options each with a small circle for selection :1. Learn more about this product and 2. I do not wish to enroll. It is very easy to miss. In other words you are automatically enrolled unless you notice and select I do not wish to enroll. That happened to me. Since it was an 18 month deferred payment agreement requiring only minimum monthly payments, and Auto pay was set up, I did not discover the accumulated charges of {$260.00} until this month, 12 months later.. We were being charged {$1.00} for every {$100.00} balance. And the auto payment was being applied to the deferred balance and not against the card security charge with an interest rate of 26 %.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-05
Company: Consumer Real Estate Finance Co.
State: FL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I am a realtor and I have a client who was approved for a USDA loan on XX/XX/2022 by one of you MLOs XXXX XXXX. We made an offer on XX/XX/XXXX and it was accepted and went binding on the same day. XXXX received all the documents for the offer on XX/XX/2022. We had a 14 day financing contingency that XXXX was well aware of. A week after the financing contingency ended XX/XX/2022, XXXX called our client to tell him that he could not be approved for a USDA loan and instead had to go FHA and come up with an additional {$10000.00} down to get approved for a loan for the home. He never told me any of this information. He also told the client he would be get his earnest money back, which is not true and a total lie. He also ordered the appraisal and it happened almost a week ago, and neither the client nor I the realtor have received a copy of the appraisal report or even knew it had happened until the other realtor let me know. This is all unacceptable and if my client loses his earnest money, it is absolutely this lender XXXX 's fault. He has gone radio silent and will not answer any phone calls, texts or emails. I am referring our client to another lender to try to hold this deal together and not lose him his earnest money. I will never refer another client to your company, I can not believe how there is zero communication from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I am XXXX XXXX ( Power of Attorney for my Grandmother, XXXX XXXX ). 
Synchrony Bank is located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Utah XXXX, United States of America. 
I had to take over my XXXX Grandmother 's finances because she has not been competent to handle these affairs herself for some time now. I spoke with customer service approximately 6 weeks ago to find out why she was getting billed every month and getting fees and late fees for a card she knows nothing about. The customer service rep ( CSR ) looked back 7 years into the account ending in # XXXX and could not find where a charge had ever been made. The CSR said that he was submitting the issue for investigation and I would receive a response in writing. The response never came, but another bill did. I called customer service again on XXXX/XXXX/15 and spoke with a CSR. After verifying my identity and the information showing me to be the Power of Attorney, he forwarded me to another CSR. The CSR refused to talked to my unless I gave him my social security number. I stated that my SS # is not on the Power of Attorney documents they have on file and would serve no purpose. The CSR ( stated his name was XXXX XXXX ) refused to talk to me at XXXX EST. 
I truly believe this to be a case of a credit company taking advantage of an XXXX XXXXyr old woman. My grandmother had been paying this account for several years with absolutely no idea what it was.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-15
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off but it still showing up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
Company: EQUIFAX, INC.
State: CA
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:
N accordance with the Fair credit reporting act XX/XX/XXXXt Accounts # XXXX XXXX XXXX, # XXXXXX/XX/XXXX, # XXXX XX/XX/XXXX XX/XX/XXXX( XXXX ) # XXXX XX/XX/XXXX # XXXX # XXXX XX/XX/XXXX# XXXX XX/XX/XXXX # # XXXX XX/XX/XXXX XX/XX/XXXX # XXXX XXXX and XXXX XXXX has violated my right to privacy. 
15 U.S.C 1681 Section 604 A. States I have a right to privacy 15 U.S.C 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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:
On XX/XX/2022 I received a copy of my consumer report from Equifax. I proceeded to request a dispute of several items I found to be in violation of several consumer laws. On XX/XX/2022 I receive dispute results saying " WE HAVE VERIFIED THAT THIS ITEM HAS BEEN REPORTED CORRECTLY. '' and " WE VERIFIED THAT THIS ITEM BELONGS TO YOU. '' Another report dated XX/XX/2022 also states the same thing, even though I specifically pointed out that these accounts listed, do not have my written instructions to be reported in Violation of 87 CFR 41243, 15 U.S.C. 1681b and FCRA 604.a.2

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX Account # XXXX, has violated my rights. XXXX XXXXXXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX Account # XXXX, has violated my rights. XXXX XXXX Account # XXXX, account 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-05
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: Credit inquiries on your report that you don't recognize

Complaint:
A hard inquiry was pulled on my account on XX/XX/2022 without my consent. The name is XXXX XXXX Bank. I did not authorize this at all.

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 2022-06-05
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
It appears this Collection agency has purchased an old fraudulent claim from XXXX that clearly was fraudulent. They have filed collection notice on 3 credit agencies in an effort to collect with out regard for the validity of the claim. 
Now they are holding me XXXX and charging me on a monthly basis to resolve this issue .. What a scam. if this is happening to me its happening to other people. 

XXXX XXXX XXXX XXXX ( XXXX ) XXXX Address XXXX XXXX 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
Consumer complaint received 2022-06-05
Company: Experian Information Solutions Inc.
State: VA
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 Account # XXXX, XXXX Account # XXXX, XXXX Account # 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 non-monetary relief
Consumer complaint received 2016-12-21
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Earlier this year I applied for a Walmart Credit Card through Synchronicity Bank and was approved with a credit limit of {$1000.00}. Today I received a letter from Synchronicity Bank stating that my credit limit has been cut from {$1000.00} to {$250.00} ( which also happens to be the balance on the card ). Now I did have another account that had a delinquent payment, but that account was caught up and current the next month. So, yes my credit score had fallen a bit, however, another reason my score had fallen was because Synchronicity Bank decided to close an account through XXXX that I did n't ask for, did n't apply for and never used that had a {$0.00} balance. Because it was " closed by the creditor '' hurt my score. I have always paid significantly more than the minimum payment due and had no issues with my WalMart credit account. They cut my credit limit by 75 % using a score from 4 months ago and adding the insult " your score has likely not changed significantly since the date of this score ''. I searched the internet to find out what a significant change in my score would be and found out that an increase or decrease or XXXX is significant. Well, since the date of the score they used and basically saying that I would n't be able to raise my score.. I have increased my score by XXXX. I was so insulted by the actions by Syncronicity Bank that I called and cancelled my card only to be insulted by the customer service agent I was talking to. I decided to close this card before they used a credit score from 10 years ago to close the card and have another " closed by credit granter '' mark on my record.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: Navient Solutions, LLC.
State: IL
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 am currently out of school and I did not know he difference between loans, I got a loan from XXXX XXXX and I used it to pay bills, however years later I found out they were XXXX different loans and they can not be consolidated. I am unable to afford both loans on XXXX a year and I can no longer extend the private loans. I am a single mom and I am not sure what I can do for help?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
TransUnion XX/XX/2022 Tried calling TransUnion to get fraud ( hard inquiries on XX/XX/2022 ) removed from my account. They stated that they can not do it without written authorization from the banks. I am unable to get in touch with the banks ( XXXX XXXX, XXXX XXXX Bank ) to get this information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-12
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Constantly calling regarding an account I have n't been contacted about since I closed the account. Saying I still owe money and when I asked for a copy of the bill, refused to send it multiple times and then it finally came in the mail. This is a bill from over 4 years ago that I know I had paid and closed after looking over the information. The calls stopped for about a month until today when the supervisor was getting very hostile and basically stating in simpler terms that I 'm being lazy and not wanting to pay the bill all because I 'm not giving them my card information over the phone considering I 've had my information stolen before from a previous card of mine. I 'm sure I 'm not the only person who has had this similar issue with this company. They 're very unprofessional and rude. Coming from a person with a business degree, that 's the perfect example of bad business and is liable for that company to not receive anything due to their attitudes.

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 2016-02-01
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card
Issue: Delinquent account

Complaint:
I have several accounts with Synchrony Bank, including Banana Republic, Walmart, Amazon and Toys R Us. The accounts mentioned are currently past due, however, there are payments scheduled for each account to bring them all current. My bank returned payments, their discretionary overdraft protection will either pay or return items. The scheduled payments will be paid as I am expecting deposits from my employer and others. Please advise them of this as I have been receiving collection calls. I do not have payment amounts and scheduled dates in front of me, however, they 're all scheduled on or around XX/XX/XXXX or XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29
Company: BANCO POPULAR DE PUERTO RICO
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since XXXX XXXX, 2015 I have been requesting the bank to provide me a copy of my mortgage servicing file in accordance with the Real Estate Settlement Procedures Act ( Regulation X ) 1024.36 - Requests for information. I have submitted my request in writing as indicated by the regulation. The bank ignored all the requests made until the last request made on XXXX/XXXX/2015 which the bank answered on XXXX/XXXX/2015, but refusing to provide the information indicating that it is overbroad or unduly burdensome request for information. The bank is in violation of the applicable regulation since it failed to acknowledge the request for information in the time frame indicated by the regulation and the overbroad or unduly burdensome request for information response is not applicable in this case. 
I have attached the letters sent to the bank requesting the file and the bank 's response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: PLAZA HOME MORTGAGE, INC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Plaza Home Mortgage has denied my request for a loan restructuring for over two years now siting that the holder of the note will not allow it according to their Loss Mitigation Department. Plaza Home Mortgage is the note holder after some investigation and their admission. I was advised I would receive a face to face interview with a company called ( XXXX ) XXXX XXXX XXXX , XXXX to go over my account and to help save my house from foreclosure. I was told they would contact me and I should just wait. I never received any contact from XXXX, nor would Plaza give a number for them when I called. Plaza then placed my home in foreclosure and is now adding an additional XXXX to XXXX dollar per month onto the balance without clarifying what the amount is for on the statement or in a letter. They have also been returning my payments but siting in one of the denial that my account was not seasoned with payments so they could not restructure the loan.

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