BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: EMBRACE HOME LOANS
State: KY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with Embrace Home Loans. I paid for an appraisal during the loan process. After several months without hearing from anyone I received a turn down notice. I attempted to call Embrace but the person I had been working with never returned any of my calls. I applied with another company and was approved but they need to have an appraisal done as well. I was advised I could transfer the previous loan but Embrace would have to participate in making that transfer. Unfortunately after numerous calls they will not even return my calls so I may get access to an appraisal I paid for. Transferring the appraisal simply required an email on their behalf.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2022-10-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I called in XXXX to pay the balance over the phone. I paid the balance. I received a bill in XXXX for a {$2.00} " fee. '' I called and they couldn't give me an adequate explanation for the fee so they waived it and it brought the account balance to {$0.00}. I have now received the XXXX bill and it is for {$6.00}. That is the original {$2.00} fee plus another {$2.00} fee plus a late fee of {$2.00}. I called Comenity Bank customer service AGAIN and asked to speak to a supervisor. I was told there were none available and they didn't know when they would be available and I would have to keep calling back as the customer service representatives are not authorized to waive anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 my cell phone was stolen with my Bank of America accounts linked to it. Between XX/XX/XXXX and XX/XX/XXXX my 2 checking accounts were drained via digital transactions like XXXX XXXX and XXXX for a total of XXXX I reported the transactions right away but my claim was denied and I was asked to submit a police report which I did but then my accounts were closed down and I was informed I was liable for all these charges

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 2022-10-18
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
Recently the Education Department announced a group discharge for XXXX borrowers based on findings that the school misrepresented it's students. I attended XXXX from XXXX - XXXX and I have both federal and private loans. Also, in XX/XX/XXXX, my XXXXXXXX XXXX XXXXXXXX application was approved to discharge my federal loans. My private loan is held by Navient. Navient will not discharge my priviate loans despite evidence the school I attended misrepresented me. Not only have they not agreed to discharge my private loans, they have increased my interest rate. The interest rate is so high, even making on time payments, I would never pay it off. I'm struggling to pay these Navient loans from attending a school that defrauded me. I have also file bankruptcy twice because I can not afford these high interest rate loans. I feel my private loans from Navient should be forgiven.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: CMRE Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2014 I had a car accident in which I ended up in the hospital and incurred medical bills that were wrongly sent to the collection agency because the bills were not sent to my insurance company on time. Upon finding this out I contacted my insurance company and they paid the bills in full. I then contacted the collections agency stating that the bills had been paid in full and they should remove the collections accounts from my credit reports because it was negatively hurting me. They are very hard to contact and the representative is very rude and hangs up on me every time I try and resolve the issue.

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 2022-10-18
Company: Block, Inc.
State: IA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I purchased a prepaid gift card and had it loaded with {$100.00} on XX/XX/XXXX which I then transferred the {$100.00} dollars to my Cash App account and it posted and cleared immediately. Since the transfer cleared and it was a gift card I disposed of the card. I then used the funds on various payments. I have never had a negative balance on cash app and wasnt aware a negative balance was even possible. On XX/XX/XXXX over a months time since i successfully added that {$100.00} from the gift card my balance is still not negative. I then receive an {$80.00} payment from a friend and my balance then read XXXX XXXXXXXX. I began searching for a reason why because it says I received the {$80.00} payment and I had a positive balance immediately prior to the payment. It took me two days of searching the app during my free time to come up with no answer. The next day I noticed a new transaction listed from XX/XX/XXXX that read '' {$100.00} failed! " right below the {$80.00} payment my friend had sent me on XX/XX/XXXX The app does not provide a transaction balance sheet for users to reference noti and it is difficult to locate statements because you need a XXXX and then they only tell you the balance at the beginning of the month and the balance at the end of the month and give a list of transactions They do not provide a balance after each transaction to inform a consumer of the cost of the transaction and what the balance is post transaction that would keep the consumer informed and able to identify issues. I have now spent the week going back and forth with customer service about this transaction. They say they cant help me as the payment I made over a month ago was now being disputed by the bank and I need to conItact the bank. Which isnt possible because i disposed of the gift card after the transfer to my Cash app account cleared and did not know the financial issuer or card number that was on it. I wasnt aware it was possible especially after a months time to unpost a gift card transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
The issues I have is that my twin brother and I for some reason, our SS # '' s are switched and the XXXX credit bureaus are not willing to work with us getting this corrected without paying them for services. We did not make this mistake someone else did and we can not get credit reports and or get positive reports when applying for our student loans. 
How can we get this fixed ASAP.

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 2022-12-05
Company: Chime Financial Inc
State: GA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble closing card

Complaint:
My account was locked because I changed my phone number. Verified all my information send over all documents chime. They stated I dont follow the deposit guidelines when only thing goes Into the account is my child support and paycheck every week i provide all documents required of me they are holding my funds and closed my account for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
My bankruptcy was supposed to be removed XXXX of last year nd they will not remove it. I have asked numerous times but they have not removed it.

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 2022-10-18
Company: CITIBANK, N.A.
State: SC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have contacted this company XXXX XXXX XXXX XXXX several times the last time being XX/XX/2022. I requested Validation of the debt they are trying to collect and they continue to send me an envelope full of billing statements. I requested an original contract bearing my signature. If you could please have this company supply a contract or something with my original signature so that I know for sure this is my debt. If they cant provide this information could you please have the remove all of this negative reporting from my reports. I have sent them proof that all three credit bureaus are reporting different information on this account so this further confuses me on this being my debt.

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 2022-10-18
Company: Bread Financial Holdings, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My issue is with comenity banks XXXX XXXX card. I have called and asked to pay the balance 4 times and they say I'm good and then they add a late fee on there to keep my account open, or they leave like XXXX dollars on there in hopes people will think they are good and then they hit you with late fees. I am sick to death of this and I want the problem gone. This is absurd at this point and I just want them to stop without hiring a lawyer. I've asked to speak to a manager or supervisor and they will not do it, they say they are having issues.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX Energy companies ( XXXX, XXXX, and XXXX ) started calling me XX/XX/2016 to collect a utility bill of {$330.00} owed by a person with my name. Each company ask for my Social Security number to verify the account. I told them I did not have an account with their company and will not give my SS number. I thought it was a scam. XX/XX/XXXX I received a letter from Convergent Outsourcing , Inc. trying to collect the debt. I called and talked to XXXX XXXX and told her it was not my debt. XXXX XXXX sent me a form to fill out asking for all my personal information. I called and the guy on the phone admitted my phone number and address was looked up online. Either energy company or debt collection agency found my address and phone number with the same name as a person who did not pay his energy bill and decided to harass me until I pay a bill I do not owe. I told them to take my name, address, and phone number off the account because I do n't owe this money. Since the man could not get me to give out my information his supervisor got on the phone and tried to pressure me into to giving my information before it destroyed by credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: EQUIFAX, INC.
State: MI
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: Was not notified of investigation status or results

Complaint:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2020, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, XXXX has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. Below are the accounts and inquiries that are still reporting on my account : XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$800.00XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$330.00} XXXX XXXX XXXX XXXX XXXX : {$19000.00} XXXXXXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$620.00} XXXX XXXX Balance : {$0.00} XXXX XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Majority that appears on my credit report are from hospitals, doctors, and XXXX fees. I did n't want to go but was forced by the ambulance paramedics and the police due to my illness. I know I could n't afford to go by ambulance nor can I afford to go to the hospital due to no insurance and I did not have a job as well ... ... .. 
The other XXXX collections are phone related ( XXXX & XXXX ). I kept telling the phone company that I do not owe them anything cause my wallet was stolen or miss placed. My identity was stolen as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( 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 2016-12-29
Company: ALLY FINANCIAL INC.
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
My wife and I have had an auto loan with ALLY Financial for almost 3 years. I pay this loan payment of {$1100.00} through XXXX Bill Pay. One time in the past I sent an extra {$1000.00} and ALLY applied it to future payments instead of the principal. When I called them about this they told me I had to send in the payment stub or call them to have to payment applied to the principal amount owed. In XX/XX/XXXX I sent the payment stub with a check for {$3100.00} and indicated on the payment stub and the check to apply {$2000.00} to the principal. I just received my next bill and the due date is XX/XX/XXXX in the amount of {$270.00}. I called them and was told that it was their policy to apply any extra money sent to future 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 2022-10-18
Company: SYNCHRONY FINANCIAL
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: Account status incorrect

Complaint:
I received a notice from transition, XXXX, and XXXX that my XXXX XXXX/synchrony account was late for XXXX, XXXX, & XXXX of XXXX and has a balance of {$41.00}. This is inaccurate information that was reported to all three credit reporting agencies. 

I paid my account balance on XX/XX/2022. Since then, I have not had any activity until unexpected activity in XXXX for a credit of {$41.00} that I am unaware why exists but is showing up as a balance instead of a credit on my credit report ( no activity has occurred since XXXX of XXXX so I have no idea why there is any activity occurring on the account ). 

I disputed it with XXXX, XXXX, and XXXX and the 3 months ( XXXX, XXXX, and XXXX of XXXX  ) that it lists late payments were not removed. In addition, it lists now that there is a {$41.00} balance, even though there is no balance, other than a credit, on the account. 

I have never been late and do not have a balance.

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 2016-02-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Re : XXXX Macy 's Store Card I CALLED TO FIND OUT IF CARD WAS GOOD, AND THEY SAID IT WAS GOOD. 
AT THE MACY 'S STORE IN XXXX XXXX, IT WAS DECLINED, AND THEY SAID IT WAS CLOSED A YEAR AGO. I WAS NEVER INFORMED ABOUT CLOSING THIS ACCOUNT, AND I WAS OWING NO MONEY, AND WHY DID THEY CLOSE IT? THIS WAS WRONG.

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 2016-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
To All party involve XXXX XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX TransUnion Consumer Solutions, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX. 

PLEASE UPDATE MY CELL PHONE NUMBER TO MY FRAUD XXXX XXXX XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Dear Sir or Madam : The sole purpose of this letter is to inform you I have been a victim of identity theft. I am further requesting that you block the following fraudulent information from my credit reports so that I can proceed accordingly with my file. Once more, I want to emphasize none of the information stated below relates to any transaction that I have made. 
XXXX ACC # XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX XXXX XXXX ACC # XXXX XXXX # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX XXXX XXXX acc # XXXX The items listed are clearly fraudulent ; therefore, I am requesting that they are deleted /blocked by name of source. In addition, A CRA must block the fraudulent information and the victim must be identified within four business days after accepting his/her Identity Theft Report. When it accepts the Identity Theft Report, the CRA also must notify the furnishers of the fraudulent information that the victim has filed the Report, that the Report states that the information they furnished Resulted from identity theft, and that it is blocking the information that they furnished. FCRA 605B ( b ), 15 U.S.C. 1681c-2 ( b ) .III. A. Blocking Information in Credit Reports under Sections-605B and 623 ( a ) ( 6 ) Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that reported the identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports, blocking fraudulent information from appearing in victims ' credit reports Please let me know if you need any other information from me to block this information on my credit report. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX 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 2022-10-18
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2022 I received a Certifie mail with a bill from Pay Pal Credit Card I was surprised because I dont have a Credit Card with Pay Pal. So, I Call Pay Pal Credit Card Department at ( XXXX ) XXXX and they confirm that I have no Credit Card with Pay Pal. We spoke about how possible Identity theft ; And they recommended to make the report with Mail Theft, Credit Card XXXX, and Identity Theft. I already made the complaint or report to XXXX. XXXX XXXX XXXX https : XXXX online. This Letter stated that I have open and account on XX/XX/2022, with a new balance of {$4.00}, XXXX. I call but it was very suspicious asking personal information and form of payment. Even though i explain that I have no credit card Account with Pay Pal and also, I explained that the Pay Pal Account ID ( XXXX ) was not related to me but she insisted in a form of payment this the Phone No. XXXX if you need any additional information please call me ( XXXX ) XXXX or email me to 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 2022-10-18
Company: TOYOTA MOTOR CREDIT CORPORATION
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:
In accordance with the Fair Credit Report Act XXXX XXXX XXXX  Account # XXXX and XXXX 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 response to consumer: Closed with explanation