BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-01
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian is reporting parking tickets and refuses to remove them. It is now XXXX XXXX and they still refuse to remove them. Exp and the other CRAs are all signatories to a settlement with the DA of XXXX and have legally agreed not to list fines and so forth that are not the result of an official contract entered into by the account holder, specifically library and other city fines such as parking tickets. I have sent them information on this settlement with XXXX DA XXXX ( XXXX ). The settlement was to go into effect in stages and the stage where they were to remove parking tickets et al was to take place on XXXX XXXX 2016. Experian is now in violation of that legal settlement yet refuses to remove the items.

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 2015-06-16
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Applied for loan/did not receive money

Complaint:
I applied for a loan and i was not given the amount needed they told me to go online and apply for XXXX more. Now i have a company calling me asking for XXXX for fee and stating i received more then XXXX which I did not because they would not even give XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I just reviewed my credit report and I am disappointed by Experian. There is NO such judgment listed with the Court for the date or the amount listed below : Judgment - Date filed XXXX/XXXX/2015 Case Number : XXXX $ XXXXExperian is subjected to Federal consumer financial laws, including, among others, the FCRA and Title X of the Dodd-Frank Act, and related regulations including a ban on " Abusive '' Acts or Practices, ( Section 1031 of the Dodd-Frank Act ). If this entry was indeed verified, please send me the name and address of the third-party provider or furnisher providing this data, so I may pursue additional legal remedies. Experian is in clear violation and I am demanding a full deletion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
US Bank sent me a card with a {$40000.00} limit that I did not apply for. When I called they would not tell me who opened the account, when or anything, The only thing they would do was close the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: BANK OF THE WEST
State: IN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I have four now over a week been trying to reach Bank of the West regarding unauthorized charges to my account I have had now a second major issue with this Bank I filed a dispute with the phone customer service representatives and was told that they would be emailing me a Affidavit of dispute since of course I 'm no longer in XXXX wish the bank is well aware of and that I was going to be traveling for work for the next week the bank has since then played games and manipulated me to believe if they were going to be emailing this form the same day that I file the complaint I believe they told me one and two business days they have not emailed the Complaint Form when I called the bank directly they told me that the person that was assigned was all for the day which is very frustrating to me that only one person handles one complaint you know per customer for this whole thing think so I was told another representative would be emailing me that form I called the bank again still not receiving the affidavit for me to file the dispute so it has now been almost over not almost has been over a week and I have about {$200.00} hours worth of my funds that were unlawfully unauthorized taken from my account and the bank is refusing to process the dispute I am extremely upset I will not only be filing a complaint with this Bureau out of the also filed complaints with any Bureau regulating Banks against this company this is the second major issue I 've had I 've never had to go through this much hassle trying to dispute a transaction Bank of the West has got to be the most unethical bank I have ever had to deal with and I am beyond tired of this I am also in the process of Consulting an attorney that can file a lawsuit on my behalf in the state of XXXX against this bank I am sick of these banking institutions taking advantage of its members holding our money hostage just about and then refusing to process transactions and the fact that I have been lied to repeatedly by representative after representative and I can only file a complaint through submitting a particular form that is unacceptable to me I am not in the state of XXXX I am in the XXXX XXXX XXXX region and the bank is very aware of this as they even mailed me my debit card to my new address so should n't be no type of hiccups and hang us about this issue and like I said they told me they were going to be processing the affidavit VA email I have not received it in my primary my all mail or my spam junk mail box at all they have not sent it at all and it 's been over a week I 'm extremely upset and I will pursue this matter to the furthest extent of the law that I am able to.

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 2015-11-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
I had filed an dispute with TransUnion on XXXX, advising them that the statement they made on my credit report saying hard inquiries stay on my credit report for 2 years and 1 month is false. 
The statue states that hard inquries remain on a consumer credit file for 2 years. 
TrannsUnion never responded to my dispute. The following inquiries are on my credit report. 
XXXX XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX, XXXX : requested on XX/XX/XXXX and XX/XX/XXXX : requested on XX/XX/XXXX. 
TransUnion never responded to my dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
In the past two years, I 've been trying to get my credit scores up. I 'm older now an more responsible. Each month I regularly check my credit score hopping I 'm moving in the right direction to make this happen. Obviously not. My scores rarely change an when they do it 's barely XXXX point. First of all my name is not being spelled right there are inquires that I know I 've not asked for. My work status has n't been updated none. This could be one of the reasons my score is suffering. Please help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
My report show I worked for XXXX, I have never worked at this business. 
Also there is a name on my report that is not mine and address that I have never lived at.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
Issue with Transunion. Trying to make necessary corrections to credit report. 
No one from Transunion speaks good XXXX or understands the questions. 
Unable to process online request and upload the documents for the investigation. 
I was transferred back and forth XXXX times and had to call in multiple times with no resolution. 
I was able to successfully process my requests on XXXX and XXXX with no issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: AES/PHEAA
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I had been in a Student loan rehabilitation program over the past year. Made final payments in XXXX XXXX for both XXXX and XXXX XXXX. The new Appointed Servicing Agent for my Loan was the Fed Loan group. They sent out the new loan information in XXXX XXXX. I moved from XXXX XXXX XXXX XXXX Fl XXXX temporily to XXXX XXXX XXXX in XXXX, Fl XXXX in XXXX XXXX and then to XXXX XXXX XXXX XXXX Fl in XXXX XXXX. The original rehab loan program never notified my of the new Servicing group or how to contact them. When in XXXX XXXX it showed up on my credit report as 90 days late I was able to find out for the first time who to contact. I called there Servicing dept immediately try and resolve the problem. They told me to get off my credit reports I would have to file a dispute with accounting dept which will decide if they will or not remove the 90 days late. This was on XXXX XXXX, XXXX. This was to be emailed to me as well as a low income based repayment plan application, which it appears I have been qualified for all along and would pay {$0.00} a month. Well they did n't send it out email ... ..today XXXX XXXX, XXXX they can only mail the dispute form, and are emailing me the income based repayment form, but the immediately took a {$110.00} payment on XXXX XXXX, which as of today does n't show and when posted will still show and outstanding balance. Even when I qualifiy for the lower repayment, it will take 30 or more days to go into effect. My Credit with all XXXX Agencies is severly effected by there reporting. I have no other late payments

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I purchased a new bed in XXXX and financed it with Synchrony Bank. I almost did not buy the bed because the payment was too high. The Manager at XXXX dealt with the financing and told me the payment would be $ XXXX/per month. I have this in email, I agreed to buy the bed. I received the first bill and the payment was not what I was told it would be and was $ XXXX/per mo. I tried to return the bed but I was not receiving a response to my calls or emails regarding this. I then had to move states abruptly and in doing so it seems I missed a payment. I have received nothing but harassment from the bank. I do not understand how if I was one payment late, how can I make 3 payments in one month and still be getting these calls that I am behind. I have good credit and pride myself on paying my debts. I have not received an accounting of my account and I want the constant harassment to stop. I have seriously paid out {$490.00} dollars in one month on an account that the payment is {$110.00}. HOW AM I STILL LATE???????

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 2015-11-18
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Delinquent account

Complaint:
I had a credit card with barclays bank I had run into some trouble and had to accept a settlement offer and our agreement was when I paid this settlement they would remove this account from my credit I have contacted them by phone and by mail. I keep getting the run around and no response to my letter. I called again on XXXX/XXXX/2015 and talked with someone named raven after several minutes on the phone explaining again the situation they put me on hold for quite some time and when they returned I was told by raven to resolve this I had to dispute the information with transunion that 's who they report to and send a letter to the fcra and the address they gave me for the fcra was XXXX XXXX XXXX XXXX, DE XXXX which is the address for barclays bank. they are trying to run some sort of scam so this is my first step to get that account removed when they fail to do so I am going to report them to the ftc

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
HelloMy name is XXXX XXXX am account holder of Care Credit/Synchrony BankMy account number - XXXX XXXX XXXX XXXXThe Customer Service in this bank is the worst I 've ever know since I 've started to use the credit cards. 
So are the rules. 
My credit line was originally approved for $ XXXX always pay in a timely manner. 
Suddenly with absolutely no reason, I 've received the letter from the customer service, that my credit line was decreased a half! Till {$1500.00}! 
At that point I was in process to do expensive dental work, and relied on this available credit. 
As a result, I 've lost a great deal of money and was embarrassed in from of my doctor. 
Next nightmare I was experienced a few days ago, when I 've received my monthly bill. 
The bill looked as a letter from the mental hospital. 
The billing department stated that I 've paid my monthly charge in the amount of {$43.00}, but the next line says that I 've missed the payment???!!!!! 
As the result, they want me to pay TWICE the same amount that I 've already paid from my checking account ( as I always pay, every month ) + the late fee in the amount of {$38.00}!!!! 
When I 've call your customer service and asked what is it going on, I 've receive the idiotic answer, that my account did n't have enough money to pay it and the payment was not made. 
I verified with my XXXX XXXX XXXX customer service representative and realize that it was a bold lie from your customer service. 
On XXXX XXXX I 've received my regular XXXX check, and my account balance was over {$1500.00}. 
On the top of all this ridiculous unprofessional stupidity, your answering service is terrible. 
Please call and check. 
Any option you select, the machine says : '' I still do n't understand it! " Finally checking today the balance on my account, I understood that you need a good audit- Big Time! 
Your recording told me : '' Thank you for your payment of {$43.00} on XXXX XXXX. Your next payment is XXXX XXXX. 
Your minimum amount due is {$110.00}, since we did n't receive your XXXX XXXX payment!!!!!!!!!!!!!!!!!!!!! \So you have to pay for XXXX ( twice ) and XXXX + late fee!!!!!!!!!!!!!!!!!! 
I was unsuccessfully, trying today to reach you customer service representative, but in vain. 
Your answering service is a broken record, and did n't let me talk to the representative. 
I 've lost a great deal of time already because of this nonsense and not going to make any more payments, till you stop to bill me wrong and apologize for the all your wrongdoing to me. 
I am going to complain to XXXX, XXXX, XXXX, media etc. 
YOU ARE CHARGING THE TREMENDOUS PERCENTAGE FOR YOUR LOUSY SERVICES AND UNPROFESSIONAL PRESENTATION, SO YOU MUST BE HOLD ACCOUNTABLE, AND YOU WILL. 
XXXX XXXX XXXX XXXX. 
XXXX, IL XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Delinquent account

Complaint:
Care Credit. Im having XXXX over this. we have made several attempts to take care of a past due. Its my husbands account. we work different shifts. he was here today and talked with them on the phone, he gave ALL permissions for me to talk with them about his account. collections, payments, everything, he gave the phone back to me. he then left for work. I then made sure with that associate, that before they transfered me, that it would be Ok to talk with me. He said absolutely, he will note it and made sure the next associate knows its Ok to discuss this account with me. I was tranfsfered to XXXX in the hardship department, at approximately XXXX XXXX this day XX/XX/2016 pacific time zone. She refused to discuss this hardship program with me, without getting permission again from my husband. He had left for work already as stated above. I asked if they could mail us the paperwork, She says No. I asked to be transfered to her manager XXXX XXXX, answering machine was full. They have been calling my phone off the hook and calling my husbands phone and calling my work. We have made our best attempts at resolving this matter. And its now causing me medical issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: NVR INC.
State: DE
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
NVR INC, - XXXX. The sales and marketing folks located within the XXXX who are in some cases liscensed Real Estate Agents are not liscences mortgage loan brokers or originators. The Sales Rep quoted my wife and I mortgage interest rates, closing costs, financed MI, FHA premiums and monthly MI. They even estimated our interest rate without knowing our credit. In this case we ended up buying in a community that had a tax pilot. The Tax pilot was completely misrepresented in our Mortgage payment provided by our sales rep. They required us to use their lender by threatening contractually to raise our purchase price and to take away closing assistance provided to us by utilizing their NVRM company. We never wanted to use this mortgage company but they make it impossible to use another lender when they will make you pay almost XXXX more for not using them. There is no negotiation when it comes to this. Lastly, we are required to meet with their mortgage company, but that does n't happen timely and our attorney review period is over. The estimates being provided by the sales team do not even come close to what was shown to us by our lender. We were grossly misrepresented from the taxes, interest rates, FHA premiums etc. A complete bait and switch. The sales rep was using mortgage payment to encourage us to buy. On our estimate they even wrote, this is what your payment will " feel '' like after energy savings and tax benefits. I 've come to also learn that they are not accountants and the projected savings are just a tactic used to get you to buy. Watch out. this is scary stuff. We visited several other builders. None of them offered these financing options while buying ... very weird and sketchy

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
someone opened a lowes account in my name i never ever used or opened lowes i never got anything from them, i disputed this and there telling me i benifited which is untrue this is not mind and thre refusing to remove this from my name i never dealtt with this bank and never will

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 2015-09-30
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
A payee to whom I wrote a check erroneously cash the check twice for XXXX different amounts. I called Suntrust to address the issue and over a month later it has not been addressed. Call center agents were misleading or incompetent

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-02
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04
Company: SYNCHRONY FINANCIAL
State: PA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank has stolen {$2000.00} from me!! The bank accepted and cashed my check XXXX # XXXX XXXX in the amount of {$2000.00} and then advised me that my account balance is {$00.00}! Details follow : XXXX XXXX-I mailed my check # XXXX in the amount of {$2000.00} to XXXX ( Synchrony Bank ) see Attachment A. 

XXXX XXXX-TD Bank debited my account in the amount of {$2000.00}. See Attachment B. 

XXXX XXXX XXXX ( Synchrony Bank ) acknowledges receipt of the {$2000.00} and deposits the funds in XXXX. See Attachment C. 

XXXX XXXX XXXX ( Synchrony Bank ) that my account balance is now {$2000.00}. See Attachment D. 

XXXX XXXX received a telephone call from XXXX. The woman said " I have a check for {$2000.00}, what am I supposed to do with it? '' I asked where was the paperwork that accompanied the check? The woman said " I do n't have no paperwork, I just have the check ''. I told her as I noted in the memo field of the check that I wanted a XXXX month CD. 

XXXX XXXX XXXX XXXX Synchrony Bank XXXX submitted my check number XXXX for a XXXX time! See Attachment B. 

XXXX XXXX-XXXX returned to the check for insufficient funds and charged my account {$35.00} for the overdraft. See Attachments B and E. 

XXXX XXXX XXXX ( Synchrony Bank ) advised that my account balance has been adjusted to XXXX because the XXXX time they submitted the check was returned for not sufficient funds! 

XXXX ( Synchrony Bank ) has failed to say what they did with the {$2000.00} they received on XXXX XXXX. Repeated attempts to call and get the situation resolved have failed.

Company response to consumer: Closed with explanation