davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (SC)

I have XXXX credit cards through Synchrony Bank. I have a Belk and a Walmart Discover Card. I just recently opened up the Belk card, although I have had the Walmart account for over 6 years now. I always pay my bills through my bank 's online Bill Pay. I went to send a payment to Belk, but thought I had the wrong address. I called my bank to have this payment cancelled so I could pay in person at my local Belk and get the correct address to send future payments to. Apparently, I did have the correct address and the payment was received by Belk and then taken away due to my calling my bank to cancel. I did go in store and make a payment and I asked the clerk what I had available on my card to see if I could make a purchase. She said I had available money to charge to the card so I made a purchase, not knowing Belk had received the payment that I cancelled. I got a letter in the mail saying my account ending in XXXX was going to be closed and no reason was stated ( Walmart account ). I called their customer service and nothing was wrong and was told my account was not closed/being closed, so I thought nothing about it. I went to check my Belk account online to see when the next payment was due and saw it said my account was closed. I called them and they accused me of check kiting (? ). To be honest, I do n't even know what that is. They would n't reopen the account and told me to call XXXX. I called them and said that Belk would have to be the one to reopen the account. At this point, I also found out my Walmart account was closed due to my Belk account being flagged as fraud. They were very rude when I called, and would do nothing to help me even after I told my story. I 've had the Walmart account for so long and both being closed will hurt my credit. I have always made my payments on time each month and usually more than what the minimum amount of payment is. I would like both to be opened back up so I can continue to pay these off and in the future keep using them.
Consumer complaint received 2017-05-24
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (NY)

Hello CFPB,  XXXX   XXXX   2017 I called Navient 's cu stomer service to ask for an amortization schedule because I noticed how all my extra payments were not being allocated to the principal. They immediately denied me saying " we do n't give amortization schedules on private loans because the interest accrues daily and it varies. '' I then asked them why my l ast three mo nths worth of extra payments were not going to the principle like they previously told me they would ( i.e. paying extra money only on the due date goes to the principal ). She never gave me a reason. She just kept saying every month is different because of the daily interest. I then posed this month  's (   XXXX   ) s cenario : My monthly amount on my loans this month was around {$800.00} and I paid {$2000.00} and it was due and paid on  XXXX   XXXX . Only {$700.00} went to the principal and {$1200.00} went to the interest. Why is the bulk of my payment going to my interest if I paid well over the {$800.00} that month? Again, she/Navient said because of the payment advance made in  XXXX  it lowered the principal payment for  XXXX . However, they do n't bill " future interest  '' ( a t erm I had never even heard before, who bills future interest? ) so they/Navient said there we re ( hidden  ) interest fees that were due for  XXXX  and that is why it went to interest. I then asked ... what is your ideal option for paying down the principal since paying on the due date obviously does not work. To that she replied, set up a automatic payment plan so it is taken out every month on the due date. With all my power, I tried to calmly reply " that is what I have been doing and you still do n't apply it to the principal! ".     On top of all this deception, they do n't even post the amount due as a record to be compared against your payment history. They only show the amount you paid and the allocations to principal and interest. This company is scum and it has to stop! I have never defaulted on any loans and I do my best to pay extra ever single month on the exact day it is due and they continue to con me! We are damned if we do and damned if we do n't. I have a perf ect credit score that i s the only reason I have n't slacked off in spite of their foolery.     PLEASE PLEASE HELP!!!      XXXX   XXXX   XXXX
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (MS)

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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : Chapter XXXX Bankruptcy Account Number : XXXX has violated my rights. Or list of inquiries 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.
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (FL)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-03-29
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OK)

On XXXX I booked a hotel stay through XXXX with my Synchrony Gap credit card for a XXXX trip scheduled XXXX in the amount of {$650.00}. My husband called and confirmed the trip with the hotel and the confirmation number that was given to us was not only bogus but it was not even the correct amount of Characters. We then did research on the XXXX Company and there was complaint after complaint of the website and company being a scam. We then did further research and found out the Hotel had been closed since XXXX and would not reopen until early to mid-XXXX. Our trip was scheduled for XXXX thus it was clear we had been scammed. I then contacted Synchrony band Gap credit card and filed a dispute before the trip took place in addition to faxed them the evidence of the Freud/scam that had taken place so they could confirm the scam and received a credit back to my credit card on XXXX. Weeks later they took the money back out of our credit card account and sent me MY evidence that I had faxed them and they stated they did an investigation and this was the evidence they found and said that we would still be responsible for the {$650.00}. The evidence had my hand writing on it, so clearly they did not " find '' this evidence in their " investigation ''. I then called Synchrony Bank Gap credit card again and would get all the way to the dispute department at which point we would verify our account and then be told " the system is having issues '' then put on hold, only to be hung up on minutes later. This happened a total of FOUR times and has totaled the amount of 2.5 Hours of phone duration time. On my fourth time I asked the beginning customer service specialist to see what she thinks of the notes before transferring and she had her supervisor assist her and they found that the bank had already been reimbursed by XXXX charges and did not understand why Synchrony was trying to charge us again. Once she transferred me to disputes department I was then put on hold and hung up on AGAIN. I need assistance with Consumer protection. I understand we were victims of a scam but the bank is refusing to help us with this consumer Freud issue. I looked up this bank and there were XXXX complaints with the better business bureau with similar situations. We pay our accounts in full and on time EVERY month. I do not understand why they are choosing to treat good customers in a dishonest and illegal manner.
Consumer complaint received 2016-09-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL (OH)

I 've had an item on my credit bureau investigated twice now for a cc that is showing up but not mine. They cc company refuses to give me any information regarding the account but claims it to be mine. I 've never made one of the payments showing up and they wo n't verify to me where the statements are being mailed or where the payments arecoming from. How are they aloud to do this. Its on my report, has not been removed but I ca n't have any information regarding the account?
Consumer complaint received 2016-07-26
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (MD)

My identity was stolen. I learned this from a credit monitoring service which informed me of XXXX requests for credit reports in the past few days. I did not initiate these loan requests. XXXX of the requests for a credit report was from Synchrony Bank, which provides credit cards for various retail companies ( i.e., The Gap, JC Penny, etc ). When I tried to talk with Synchrony to dispute this, and to alert them that it was fraud, they could not help me because I did not know which credit card was involved. I explained that I could not possibly know, since the request did not come from me and was fraudulent. The credit reporting company, XXXX, only has that the request came from Synchrony Bank. I have tried several times today to explain this to Synchrony but they say there is nothing they can do. They did put me in touch with " customer service '' but that is only an automated service that requires me to input my credit card number, which of course I do not have. This is ridiculous and is unfair to me -- I am the victim here. I just want to alert them and protect my credit rating. Any help you can give is greatly appreciated. I am writing this at the suggestion of the Maryland Office of the XXXX.
Consumer complaint received 2015-10-26
Product: Credit card — 
Issue: Application processing delay — 
Company: BARCLAYS BANK DELAWARE (HI)

I paid a portion of my credit card bill on XXXX different Barclay 's Bank cards. The debits appeared on my bank statement today, XXXX XXXX, but there are no credits on my card statements. They say it will be posted tomorrow, the XXXX. That means I am paying interest for XXXX hours to the card company on {$12000.00} that they have already received from my bank. If they do that for thousands of customers, possibly millions of dollars, they could be over charging customers for millions over the years.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: EQUIFAX, INC. (FL)

EQUIFAX is furnishing accounts on my consumer report that is a result of alleged identity theft. The accounts are information that does not relate to any transaction by myself, and I DID not BENEFIT from any of the transactions. I sent EQUAFAX written correspondence which included my proof of identity, an identity THEFT report, identification of such information, and a statement as the law requires. They are required to block and delete these accounts within 4 business days of receiving my notice.

I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was sold to another company unable to reach them for the account number in question. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXXXX XXXX  and XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  Credit Cards XXXX XXXXXXXX XXXX XXXXs and XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Credit Cards XX/XX/XXXX XXXX XXXX - XXXX XXXX XXXX Credit Card XXXX XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX Equifax XXXX XXXX Banks and XXXX XXXX XXXX XXXX  XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information.

I appreciate your prompt attention to this matter and await your reply.
Consumer complaint received 2023-07-24
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC (NY)

This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights. 

I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
Consumer complaint received 2023-04-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A. (TX)

Citibank sent me a letter stating that they needed additional information 'regarding my application ' on a card that I didn't apply for. 

When contacted them with the number provided, they just approved the card with no way for me to dispute it. 

I tried to contact their fraud department, but was caught in a Catch-22 because they want my card number, which I don't have -- because I didn't apply for the account.
Consumer complaint received 2016-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (NH)

Dear CFPB, Recently, my mortgage company increased my monthly payment by over XXXX dollars claiming a shortage in escrow funds based on their error in making double payments of my home insurance coverage and an increase in property tax 's. 
A ) On the home insurance claim, They have not been able to produce financial transaction data in order to show the " double payment '', and neither XXXX XXXX nor XXXX XXXX shows any double payment from them in their records. 
B ) My Annual property tax 's have not increased in 2 years and I shared these documents with them to verify. 
Included in the mortgage monthly increase is what they call a safe " pad '' which they have established in order to over-fund the escrow account, which apparently can be any number they wish. 
This is poor management of an escrow account at best, they have provided no evidence or justifications for this increase, and have " reminded '' me that if I do n't pay the new total my credit will be impacted and late fee 's will be added, which is basically extortion. 
Is this even legal? 
Are they trying to make me default on my obligations for some reason?
Consumer complaint received 2015-11-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Conn's, Inc. (TX)

I was double charged for payment on an acct with Conns furniture in XXXX 2015 on an account I had established autopay on back since XXXX 2015. I called them and advised they took 2 payments ttl XXXX one on XX/XX/XXXX and XX/XX/XXXX from my checking acct and caused overdrafts to my acct when my payment is XXXX. The initial call garnered an apology and a refund for one of the XXXX payments. Since then I have been called a ttl of 6 times since XXXX XXXX after I repeatedly told the collector calling me I do not have any past due payments and my account has been set up on auto pay since early this year. I have even made 5 calls myself to them to clarify the issue with no resolve. being promised on 3 occasions I would not be called again only to be called multiple times a day.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (NY)

XXXX  is reporting account number  XXXX  on my credit report. This account should not be on credit report. It is not mine and I already filed a CFPB complaint to get it off my credit report.
Consumer complaint received 2015-12-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

A modification package was sent to nationstar via email on XX/XX/XXXX ( please see attachment ) Nationstar employee XXXX XXXX in Arizona stated that they need 37 days to review the file therefore they were refusing to open and review and start the modification process. We requested a supervisor and XXXX XXXX also stated that the file can not be reviewed as it is less than 37 days before the sale date. The sale date is set for XX/XX/2015.It is very apparent the Nationstar is refusing to review the file and is making excuses to avoid a proper review. In California as long as there is 7 days before the sale date the file can be reviewed as long as all documents are in. Nationstar is failing to abide by California guidelines and it is very obvious they would rather foreclosure on this home rather than attempt to offer any type of assistance to avoid foreclosure. It also appears that the issues the XXXX family has encountered with this company are due to discrimination based on race, ethnicity, language, and national origin. Please also referred to HAMP Handbook XXXX Chapter V Protections Against Unnecessary Foreclosure states the following:XXXX Suspension of Referral to Foreclosure-A servicer may not refer any loan to foreclosure or conduct a scheduled foreclosure sale ( except as provided under Section XXXX ) unless and until the servicer has resolved the Escalated Case in accordance with Section XXXX. XXXX Suspension of Scheduled Foreclosure Sale-When a servicer receives an Escalated Case from a Requestor after a foreclosure sale date has been scheduled and the Escalated Case is received no later than midnight of the seventh business day prior to the foreclosure sale date ( Deadline ), the servicer must suspend the sale as necessary to resolve the Escalated Case. At this time the XXXX family is requesting the sale date of XXXX be postponed so their file be reviewed without any discrimination. They will assert their legal right and name Nationstar as well as the foreclosing trustee as defendants in civil court.
Consumer complaint received 2016-06-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (WI)

In XXXX XXXX we entered into a repayment agreement with XXXX XXXX XXXX XXXX to catch up XXXX late payment of {$1300.00}. We agreed to catch this late payment up by adding an additional amount of {$190.00} on to each payment of {$1300.00}. The new monthly payment amount was {$1500.00}, after the initial forebearance payment of {$1300.00}. These amounts were paid to XXXX ( # XXXX XXXX via money order on XXXX/XXXX/XXXX and by phone transfer confirmation # XXXX of XXXX XXXX, XXXX. In late XXXX XXXX we were notified by XXXX that our loan had been transferred to Nationstar Mortgage XXXX # XXXX XXXX. We made our XXXX payment on XXXX XXXX ( check # XXXX ) to Nationstar Mortgage in the amount of {$1500.00} by mail. Our XXXX XXXX payment was made on XXXX XXXX XXXX in the amount of {$1500.00} by cashier check to Nationstar Mortgage by mail. Febuary XXXX payment was made XXXX XXXX XXXX for {$1500.00} by cashier check to Nationstar Mortgage by mail. XXXX XXXX payment was made XXXX XXXX XXXX for {$1500.00} to Nationstar by cashier check. XXXX XXXX paid XXXX/XXXX/XXXX XXXX XXXX XXXX paid XXXX/XXXX/XXXX ) and XXXX XXXX paid XXXX/XXXX/XXXX XXXX of XXXX payments were made to Nationstar also by cashier check in the amount of {$1300.00}. 
Because of the sudden transfer of our mortgage loan from XXXX to Nationstar, there was an accounting error in whether we were to pay an additional {$190.00} with our XXXX payment to Nationstar. However, we continued to make regular on-time up to date payments as agreed per the repayment plan. Our continued problem has been that Nationstar Mortgage is continuing to show us being behind in our payments by {$1300.00}, even though our records substantiate that we are not behind by a payment. We will concede that if we are behind at all it would only be for approximately {$370.00}. We have notified Nationstar of this discrepancy and/or error on several occasions to no avail. In addition to continuing to show our mortgage by being behind by a month, Nationstar has incorrectly reported this information on our credit bureau files. Any assistance in rectifying this situation is greatly appreciated.
Consumer complaint received 2016-04-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (TX)

Nationstar mortgage purchased my loan from XXXX XXXX XXXX. Shortly after I refinanced with Nationstar to lower my MMP and APR. My new payment was {$1200.00}. I recently checked my bank account and Nationstar increase my monthly minimum payment ( MMP ) to {$1500.00}. I noticed that they increase my MMP months ago without informing me. I called and asked for an explanation and they said that it was because my taxes increased. I educated them that it was not possible. They then said that it was because I did n't have enough money in my escrow account. I 'm upset that I never had this problem with XXXX XXXX XXXX in regards to my escrow. I paid into a escrow account monthly and there 's no reason why I should be thousands of dollars negative. This was a miscalculation when my home was refinanced. My annual taxes are around XXXX XXXX dollars and it still estimated to be the same amount this year. Theres no reason for Nationstar to increase my payment {$330.00} unless they failed as a bank. This is causing a problem for my finances and needs to be fixed. I am currently paying more after refinancing then I did prior with a high rate and a higher amount financed. Nationstar is acting like they 're XXXX different banks. My previous loan prior to my refinancing was with Nationstar who purchased it from XXXX XXXX XXXX. However, they are basically saying that it 's a XXXX XXXX XXXX issue and not their fault or responsibility. I put 100 % of the problem with Nationstar. They should have ensure that everything was 100 % when I refinanced and they did not. One month after I refinanced they increased my fixed payment.