BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-24
Company: Experian Information Solutions Inc.
State: PA
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:
Sending several times of multiple letters, unverified accounts listed below are still reporting on my credit report in violation of federal law. The Experian and XXXX Credit Bureau failed to comply with the FCRA and there are no actions nor responses yet. As I reviewed my updated credit report these negative accounts remain. Fair Credit Reporting Act, 15 USC sections 1681 I within the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the accounts that are still showing on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-12-12
Company: SUNTRUST BANKS, INC.
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Suntrust was ordered to comply with the XXXX mortgage servicing rules as of XX/XX/2014. The Department Of Justice, HUD, and CFPB established rules to prevent poor documentation and lost paperwork as of XX/XX/2014. My home was foreclosed on while applying for an unnecessary loan modification in XX/XX/2014. The loan manager from Suntrust Mortgage kept losing the loan modification application. I was evicted from my home of XXXX years in XX/XX/2014 at gunpoint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Rewards

Complaint:
I signed up for the XXXX, provided by BarclayCard. They were advertising a XXXX mile bonus for new cardholders. I fulfilled the prerequisites to qualify for the bonus miles, but since then I have not received the miles and every attempt to contact barclaycard ( starting in early XX/XX/XXXX ) for a resolution is met with the same canned responses about having to wait an additional billing cycle. A few weeks ago I spoke to a XXXX who guaranteed this was resolved and I would see the miles by the beginning of the next billing cycle ( XX/XX/XXXX ). Today I called back and was given the very same story, to wait another billing cycle. After I informed the XXXX that this was unacceptable and I 've been told the same thing weeks ago, she agreed to further escalate my case ( though she refused to transfer my to a more senior supervisor to get a resolution today ). I was promised I would get a call back in XXXX business days, but they refused to send me a transcript of our conversation or to put their claims into any form of writing. Each time I speak to them, I am taken around in circles with no resolution in sight. When I research this issue online, I find forums where hundreds of other customers complain about being in the same predicament that I am in, many of them spending over a year trying to get things resolved before giving up and closing their accounts. I believe this company is purposefully giving me the run-around hoping to exhaust my patience, so i simple stop bothering them. I would appreciate the CFPB 's assistance in this matter greatly! Thank you! 
I first contacted them about this issue on XX/XX/XXXX, and the case number i was assigned is : " case ID 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 2016-12-10
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had Synchrony bank credit card/XXXX balance of {$60.00}. I thought I closed this account and forgot this remaining balance. When I tried to pay a few days later, it was charged {$29.00} late fee. I called a few times ( up to 5 times ) and explained to the representative, the staff in XXXX gave me the attitude " I got you to pay or .... '' and would not be willing of reasoning. It was almost XXXX % penalty for a few days late. This Synchrony bank/XXXX had more than XXXX complaints since they are predatory in " every way '' to " out get '' customers. Then I tried to resolve with them, they just would not barge. It is now accumulated to more than {$290.00} out of original balance of {$60.00}. XXXX predatory actions are notorious. They caused me more than numerous long time calls for resolution which reached no where. I would NEVER EVER to deal with this Synchrony Bank. I believe it is Synchrony business strategy to break their credit card business into ALL DIFFERENT INDUSTRIES, so the complaints due to their employee trained " predatory practices '' would be diversified and look smaller than it actually is. I am demanding Synchrony / XXXX write off this {$60.00} balance to XXXX for all the resource/time they caused me.

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 2015-08-17
Company: USA DISCOUNTERS LTD
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have an account that is from identity theft and is not mine that is still reporting on my credit file ... I am attaching a copy of my policer report as well as a notarized affidavit regarding this matter these collection attempts need to be stopped immediatley and this account deleted from all credit reporting agencies..

Company response to consumer: Closed
Consumer complaint received 2017-02-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit determination

Complaint:
In XXXX, 2017 I gave my credit card to XXXX for payment on TJX Rewards/Syncb and it was denied. I have no history of late or nonpayment with this company. I have a credit score of XXXX. On Sunday, XXXX I went to the XXXX at the Convention Center in XXXX and tried to purchase a product using the same card for a XXXX ( jewelry cleaner ), website address is : XXXX. this was {$20.00} plus tax and my TJX card was denied again. I am XXXX years old and have NEVER BEEN DENIED using credit cards. I have been humiliated, embarrassed and am very upset about this matter. I have been given no reason why this has happened. There are two dates involved but you only allow space for one date XXXX and XXXX are the denial dates.

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 2022-08-29
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Upon looking for a flight, XXXX advertised that I would receive {$400.00} off of the fair if approved and 70,000 sky miles  after being approved for the AMerican Express SKy Miles program. Upon approval, the cite would not let me use anymore than XXXX of the card and wouldn't even allow split payments. Therefore I could not have received the bonus on the card and the miles because it would not allow me to use the card. This is very misleading and abusive to get me to apply for the card. I was so upset, I called and complained after receiving the card and cancelled having never used the card. I applied on XX/XX/XXXX and canceled when I realized I had been duped in XXXX. I was told I would revived an e-mail of my complaint and they said it would be escalated and I never received it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
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: Account status incorrect

Complaint:
CFPB + XXXX XXXX + Equifax, On the attached letter dated XX/XX/2022 from XXXX XXXX it clearly states they are requesting Equifax completely remove/withdraw the below tradeline from my Equifax credit report asap : XXXX  : XXXX ( Client XXXX XXXX  XXXX The letter states XXXX XXXX has been requesting Equifax to remove/withdraw this and I have also submitted with Equifax to remove/withdraw this XXXX and now I am requesting this again. 

Enclosed with this complaint are : - my drivers license - my address- my social security number proof - my dispute letter - XXXX XXXX  latest letter dated XX/XX/2022 - my XX/XX/2022 Equifax credit report where it still shows its on my report Equifax, please have this removed/withdrawn as XXXX XXXX has instructed you to do many times as this incorrect information is damaging my credit and interfering with my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CITIBANK, N.A.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Citi Card opened a Costco credit card without my consent. This was the result of an open Costo XXXX XXXX being rolled over. After opening a card without my permission, I was automatically charged a {$55.00} Costo membership fee XXXX this charge was never automatically applied on Costco XXXX XXXX. Because I had no idea this account was ever opened, my balance went unreported ( no paper bill or electronic notification ) I received my first paper bill of {$140.00} on XXXX XXXX after the account had incurred financing and late fees. After an hour on the phone closing each of my Citi card accounts, I received an email notice of collection of {$1.00} on my Citi Costco. The card was closed, the account was current but somehow there is a collection for {$1.00}? Unacceptable.

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 2022-08-29
Company: U.S. BANCORP
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
In XXXX of 2017 US Bank Charged off my Checking Account and reported me to XXXX XXXX US Bank reported to XXXX the reason for Charge Off was Account Abuse. 

This is incorrect. As I remember my account was charged off for over draft fees. Then US Bank Charged additional over draft fees on top of over draft fees. I attempted to correct this with US Bank bank in 2017, but they stated this is policy. 

I was aggravated with US Bank answer. I did not pursue US Bank any further at the time to correct the matter as I was caring for my XXXX mother and attempting to understand why my father XXXX XXXX XXXX in XX/XX/2017. 

i spoke with US Bank today XXXX attempting to resolve the matter. To make settlement and for US Bank to remove or correct the reason they Reported to XXXX. US Bank stated No, they would not change the reason. I advise I was contacting CFPB

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 2020-09-29
Company: Delivery Financial Services, LLC
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have file a dispute in regards to the incorrect items on my credit report. It has been well over 30 days, and I am also aware that the credit bureaus have and additional 15 days which has also passed ( exhausted ). I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Today,  XXXX / XXXX /  XXXX  , I attempted to make a payment online for the ending statement balance due of {$55.00}. The online payment system would not accept a payment that exceeded my current credit card statement balance. My current credit card statement balance consists of a credit of {$27.00} for a refunded late payme nt. ( This  is a new account and I did make my first payment a day l  ate, Kohls refunded the fee ). The fee was refunded after my statement had cycled, hence, my balance due on the statement was higher than the current balance.
Interest is charged on the statement ending balance. The only way I can avoid this is to pay the full balance. However, their online payment system wo n't accept a payment that exceeds the current balance. I called their customer service department to verbally make a payment and the representative discouraged me from paying the balance in full. I had already paid the current balance online, which was less than the ending statement balance. I told him that in order to avoid interest charges I had to pay the statement balance in full and I was fine with having a credit balance on the next statement cycle. He was argumentative but I finally prevailed after telling him I was an accountant and knew exactly what was going on. Clearly this is a way for Kohls to earn interest by not allowing its customer 's to pay off their statement balances online and discouraging them to do so over the phone.
Kohls should accept payments for the total statement balance online regardless of activity on the following statement cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: EQUIFAX, INC.
State: DE
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right for privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card account under a open consumer credit plan as late for any reason

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 2015-09-17
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please confirm that you and your current foreclosure retained attorneys are debt collectors in relation to their current collection activities regarding my loan. 
On XXXX XXXX, 2015 and XXXX XXXX, 2015, SETERUS, INC. 's, continued with the foreclosure proceeding by publishing notice of the foreclosure sale through their attorneys. SETERUS, INC. 's actions in publishing the notices of the foreclosure sale while a HAMP or other loss mitigation application was pending, is a direct violation of XXXX and XXXX of the Making Home Affordable Program Handbook and Regulation X, 12 C.F.R. 1024.41 ( g ). I do not believe SETERUS, INC., is taking reasonable steps to avoid an order of sale. SETERUS, INC., has the option of filing a notice of voluntary dismissal to allow the loss mitigation application to be evaluated. SETERUS, INC., was actually forbidden from doing any publications to the foreclosure sale because the publications can cause and can lead directly to a foreclosure sale on XXXX XXXX, 2015. Your foreclosure attorneys have also published the sale of the property on multiple marketing sights like XXXX to insure that the sale of my property occurs which I believe is also an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In early XXXX of 2016, I purchased a XXXX, from Walmart. com. On Tuesday, XXXX XXXX, 2016, I picked up the product for Walmart neighborhood store number XXXX. When I opened the box, the Push Up Pump was severely damaged, with missing parts, I was unable to assemble the XXXX. I returned the XXXX to the store on the same day. It was signed for by the Customer Service Manager by the name of XXXX. It was authorized by representative XXXX at Walmart. com, XXXX Walmart phone number. Also, I have a receipt from the store stating it was returned. To this date, Walmart has refused to credit my credit card for the amount of {$82.00}, and stated the product was not returned. This is an unfair and criminal act by Walmart. I did returned the XXXX to the store.

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 2020-09-29
Company: EQUIFAX, INC.
State: OH
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:
The accounts reporting inaccurately on my credit report are due to fraud. I am requesting legal documentation from all the listed accounts and items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX. I have already contacted the XXXX Police and filed a report. I also filed a FTC ID THEFT REPORT AS WELL!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, XXXX, I purchased a XXXX for {$6400.00}. I chose to take advantage of their financing option through Synchrony bank which was presented to me as a 0 % plan provided it was paid in full by XXXX XXXX. After XXXX XXXX, a remaining balance would cause interest to kick in retroactively. No problem - having the funds to pay for the bed was never an issue nor was I ever late on a payment. That 's because I auto-enrolled in monthly payments - increasing the minimum payments by at least 25 % to ensure the bed would be fully paid by XXXX XXXX. The math worked when the auto enrollment was set-up and I paid little attention to the account thereafter, other than to note withdrawals were being made from my bank account. In XXXX XXXX, I attempted to log on to my Synchrony account online and found I was locked out ( I have not been able to access my online account since ). I checked my records again and since withdrawals were still happening as planned, I did n't overthink it - I believed my final payment was to be made in XXXX, the balance would be XXXX and then the account would be closed and no interest would be due. Unfortunately, I received an email on XXXX XXXX indicating I now owed the retroactive interest of nearly {$2000.00}. I called immediately, was treated very rudely and told I still owed a couple XXXX dollars on the principal, and that was that. She said had I called 24 hours earlier, there might have been a different outcome ( interesting timing of that email ). After getting myself together, unsure of how the math worked when I set up the auto debits but conveniently did not at the end of the payment period, I called again on XXXX XXXX. I was told that if I could come up with some extenuating circumstance story, they would wave the interest. I did n't have such a story and do not believe I need one given that the payments were set up to uphold my end of the agreement. That day, I paid the balance they said was due on the principal at that point ( {$420.00} ) and closed the account. There is a balance now of {$1900.00} ( all retro interest ) which I contest based on having paid the principal in full in XXXX XXXX as agreed.

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 2015-10-15
Company: SYNCHRONY FINANCIAL
State: NE
Product: Credit card
Issue: Credit determination

Complaint:
Synchrony Financial automatically rejects applications for credit if a bankruptcy is involved. Why do they not state right up front that they will NOT consider or approve applications if a bankruptcy is present or on record in the past? They actively solicit & pursue applications from me yet never approve. They will also not advise of what credit score a person must have in order to be approved. Their reasoning does not seem objective or consistent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-29
Company: Comerica
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Husband XXXX XXXX probably XXXX XXXX XXXX XXXX accounts I've only had XXXX XXXX XXXX XXXX card and XXXX last purchase I made was {$72.00} I think of XXXX anything after that's not me or on any other cards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: Empowerment Ventures, LLC
State: GA
Product: Prepaid card
Sub-product: Other special purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
My payroll check was direct deposit to my rushcard and it 's not there talking about they doing a upgrade system I have bill that due and kids that I need to feed

Company response to consumer: Closed with monetary relief