BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: SYNCHRONY FINANCIAL
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I opened my account with Synchrony Bank through a furniture purchase XX/XX/XXXX. My monthly payment is {$97.00}. I received notification in XXXX XXXX, that a late fee had been assessed. I contacted Synchrony Bank to ascertain why a late fee was assessed and found that my due date was on the XXXX of each month. I requested the due date be changed and they did so and waived the late fee for XX/XX/XXXX. Great, no problems. Now in XX/XX/XXXX I receive a phone call stating I owed {$170.00} and was late even though I had paid each XX/XX/XXXX, XX/XX/XXXX within the first week of the month. After speaking in circles with the representative for over 30 minutes trying to find out why late fees had been assessed and being repeatedly told that I was only making " partial payments '' of {$97.00} and no explanation as to when or how {$97.00} became a partial payment, I requested to speak with a manager. The manager came on the phone and stated that while the late fee from XX/XX/XXXX had been waived, it was only waived from the total amount due and not what was due for the month. Therefore, I owed {$97.00} plus {$25.00} for the late fee in XX/XX/XXXX and only paid {$97.00}. So in XX/XX/XXXX, I was assessed an additional late fee and again, I only sent {$97.00} so now I owed over {$170.00}. I asked if it made any sense to him that a waived late fee still needed to be paid and that this same " ghost '' late fee would then continue to incur XXXX more late fees. I was told that I had to pay what they showed as being due or I would continue to incur late fees. How can a bank waive a fee and then continue to say it is due and on top of that, charge you late fees for not paying the waived fee? This policy was set up for no other reason than to enable the bank to be able to continuously still its hands into your pockets for literally, no 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 monetary relief
Consumer complaint received 2019-05-06
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Private student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Over several years, Navient has used harassing tactics in attempt to collect a student loan debt. Last XX/XX/XXXX, they called several times before XXXX asking for a payment I had already submitted. 

I preemptively called and informed them that due to personal circumstances, I nor my guarantor was able to make XX/XX/XXXX 's payment by the due date ( XX/XX/XXXX ). I stated that I would be able to pay it by the first week of XX/XX/XXXX and the representative stated that there was nothing they could do. I asked that they at least notate the payment would be late and they refused. 


I received a call XX/XX/XXXX at XXXX requesting payment, during which I informed the representative that I would be remitting payment shortly. I completed the payment XX/XX/XXXX, receiving a confirmation number and seeing the deduction from my bank account. 

Today, XX/XX/XXXX I received 3 separate phone calls from the number XXXX. One at XXXX, one at XXXX, and one at XXXX. I answered the third to discover that it was a Navient representative calling to say they were trying to collect the XX/XX/XXXX payment - the one I had already submitted. I explained that to the representative, who used the computer system to verify it. She said she would make a note that the payment was there and to stop the calls. I asked her to please check for payments before calling - especially 3 times back to back. She became argumentative, stating there was nothing she could do about it and that I should just make my payments on time. I explained to her that this has happened even when I made my payments on time and she became more argumentative, talking over me, and unwilling to hear my position or take responsibility for repeatedly calling me under false pretences.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: JPMORGAN CHASE & CO.
State: IN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
CHASE CREDIT CARD 'S FAILED TO DISCHARGE ACCOUNT THAT WAS PART OF A SCAM AND FRAUD INDUCED WIRE TRANSFERS FROM CHASEXXXX XXXX XXXXXXXX AND XXXX. 

IN XXXX CHASE TRYING TO COVER UP DECIDED TO DISCHARGE DEBT AND SENT ME A 1099-C ( CANCELLATION OF DEBT IN AMOUNT OF {$29000.00}. WHEN I DISPUTED THE ENTIRE MATTER AGAIN COVER UP AND IN XXXX ISSUED ANOTHER 1099-C WHICH Cused a problem with the IRS IN XXXX AND WHERE THEY DETERMINED OUR I.D THEFT FRAUD FROM XXXX. FINALLY, XXXX IS BLOCKING ALL CHASE ACCOUNT SINCE XXXX. 

THESE ACTS ARE ALL VIOLATION OF THE DODD-FRANK WALL STREET REFORM AND CONSUMER PROTECTION ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I was one of their customers who was affected by Hurricane Irma. XXXX XXXX did assist us by removing the amounts due and waiving some fees, which I was extremely grateful. Now, as we move bank into the fold of things, my XXXX 's XXXX is having some issues and when I called and spoke to XXXX, she advised that she would send the matter to her manager. It has been a week later and the problem still exists. 

I found our that XXXX removed the XX/XX/XXXX and XX/XX/XXXX 's payments that were due and credit reporting would cease during this time. No fees would be assessed. I would receive statements saying nothing was due and the ones that showed due, would not needed to be paid. I got this information from other representatives I spoke to with other XXXX store cards. 

I got a statement showing {$27.00} was due on XXXX XXXX, 2017. I did n't think anything of it because the website showed XXXX due the entire time. I began to worry when I started getting emails that my account was past due. It showed {$0.00} past due and to pay that amount. It made no sense. I finally got a chance to call and XXXX said that yes, I should n't have received them, etc etc. 

I am still getting notices and the website has a disclaimer at the bottom advising ; Alert : If you 're facing financial challenges, may be able to help. Please call our Customer Care team at XXXX. Again, it shows nothing due. I have screen shots and statements of everything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXX this is my prior complaint. 
1.XXXX has unecessarily enclosed 62 pages of private material only to further intimidate its customer. 
2. XXXX has NEVER responded to the letter sent to XXXX XXXX XXXX ( XXXX headquarters ). Why not? XXXX did not allow the customer to sent an email and/or fax and forced the customer to write a letter. 
3.XXXX has stated not to care per XXXX ( badge # XXXX ) American Express supervisor North Carolina XX/XX/XXXX at XXXX XXXX EST. " '' you can send all the letters you want but we wo n't give you any answer ''. This can be found on a recorded tape. 
4. XXXX has been called several times in XX/XX/XXXX and XX/XX/XXXX regarding the letter sent and each and every time customer was told to wait for an answer and to WAIT WITH PAYING THE FINAL BILL. 
5. XXXX has still charged 2 late fees in contradiction with # 4. 
6. Customer called XXXX to finally resolve this on XX/XX/XXXX and offered to pay off the WHOLE outstanding amount adjusted for the 2 late fees. This would be XXXX 7.  Whenever using XXXX chat there is no way to print the conversation. I have asked XXXX ( for ex. yesterday ) to sent me the transcript and/or provide some way to properly document the conversation. All XXXX states : '' we apologize but we cant do this ''. Why not? 
8. XXXX needs to stop lying : stating it credited {$820.00} is not true. XXXX is merely a payment venue with debits and credits going through its payment system. XXXX NEVER gave its customer {$820.00} from XXXX to its customer. XXXX is manipulating the facts as it is well aware that these credits are from 3rd party merchants.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-29
Company: CITIBANK, N.A.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I downloaded an app called XXXX ( a budget tracker and planner ) and inquired about my credit report. I've noticed there is an open account that I am not associated with. This account is called CBNA and has been open since XX/XX/2019. In addition, this account 's last payment was XX/XX/2019. I am very confused since I do not recall opening any account this year.

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 2019-05-06
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 information incorrect

Complaint:
My wife and I are being defrauded deliberately by a system that provides inaccurate reporting. In any other society this would be a crime but evidently not in America. That incorrect data is used as a basis for considering lending. In this case a mortage but this has impacted us for years as your multiple reports and complaints indicate. You have done NOTHING as an alleged protection agency to do anything about this hence under known definition of law you serve in my opinion as an accomplice to the crime. Yes it is a crime if that data is incorrect and you knowingly submit it. As for the banks- A number of accounts have XXXX  balances. This reporting entity as all the others use this cop out- '' error icon There may be a gap in the time that your payment is posted by the credit grantor and the date it's reported to XXXX to be recorded on your credit report. We'll update your balance as soon as we receive your payment information from your creditor. '' This is the essence of what be believe a scam to increase profits and keep citizens indentured. Now please do not send me an email " this seems like a previous complaint '' - IT IS! they do not even read them or if they do have no evident capability to comprehend what is wrong. Now to boot- we have asked all the creditor to submit a fax to all agencies with the correct zero balances. Some have done this weeks ago but just now the old balances were posted. IF these were not scams why isn't that done? Sadly, you all claim to be honorable and capable. In my opinion on each count evidently not even close. OH and learn how it works- are you for real! Finally how about fixing your auto fill that does not work. Is this maintained off shore as well? Unbelievable even your correction review does not work! Lets see if you even read this? THERE IS NO XXXX. MIDDLE INITIAL OR XXXX. IN MY WIFE 'S [ FEMALE ] NAME!!!! XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Medical Financial Services, Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX XXXX did not treat me. I went to their ER for XXXX XXXX XXXX and XXXX. I thought I was having a XXXX. They never touched me, they did no XXXX, no XXXX XXXXXXXX, No XXXX. I was not treated and I did not stay overnight. I was not hospitalized. I did not sign any paperwork because I was not treated. They are trying to get paid for no treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: WELLS FARGO & COMPANY
State: SC
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 filed a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

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 2018-07-30
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have a loan with SETERU INC. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX   and SETERU INC with no successful resolution. XXXX, XXXX  and XXXX  were reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX / XX/XX/XXXX - XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I and my wife opened a U.S. bank joint checking account on XX/XX/2020. We opened it on the U.S. bank branch located at XXXX XXXX XXXX, XXXX XXXX, IL, XXXX. 

When we opened this account, we printed out a summer promotional advertisement with us. The promotion offered a {$200.00} dollar opening bonus for the new customer. At the branch, we double-checked with the staff who helped us open the account, as my wife previously opened a U.S. bank account then closed it. The staff assured us that we were still qualified to get the bonus, since I was a new customer and never did business with U.S. bank ( she said as long as one of us was a new customer, we can get the bonus ). She also showed us the monitor screen when she typed in the promotional code during the application process. This was a smooth process. 

After that, we immediately set up direct deposit with three payments ( ~ {$4000.00} ) monthly to this account, we also used it to pay our mortgage and other credit card expense. So I'm 100 % confident that I met all the requirements to receive the bonus. 

Earlier this year, I realized we still haven't received the bonus, so I tried to contact U.S. bank to figure out what happened. First I tried to contact the local branch where we opened this account. First time, no one answered my call. Then I tried to make a phone call appointment ( at Janurary XXXX ). Although the appointment got confirmed, I never received a call from them. Third time, I contacted the customer service ( on Janurary XXXX ) and waited 20 mintues, the customer service looked into my account and told me our account did not have the promotional information. This directly contradicted both me and my wife 's memory, as we both visually observed the staff typed in the promotional code when she opened the account for us. The customer service told us she will ask a specialist to look into our case, and we will be contacted within a week. Now more than a month passed, no one actually contacted us, kind of as I expected. We are very disappointed about U.S. bank.

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 2019-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Bank-USAA XX/XX/XXXX, my money ( {$240.00} ) was taken from my checking account in an auto draft for payment towards my credit card account. The amount of {$240.00} was never credited to my balance, and I have called and gotten hung up on twice, as well as had 3-4 chat conversations with help agents. One of the agents said that they would open an investigation of sorts to see why my payment hasnt applied. They said it would take 2-10 business days. I have waited  and have not been contacted at all by USAA neither through phone calls or emails. I have proof that it was taken out on the XXXX, and a letter from USAA themselves saying that they are taking the money a week before the charge went through. 

As it stands now, I have another auto draft coming on the XXXX of XXXX and I am wary of losing more money.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-06-08
Company: AXOS FINANCIAL, INC.
State: KY
Product: Checking or savings account
Sub-product: Checking account
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I applied to open a account with XXXX XXXX XXXX XXXX on XX/XX/2021. I was able to open the savings but not the checking. The reason for not being able to open the checking I was told due to something on my XXXX. I requested a XXXX  report and this is when I discovered there was a fraudulent account from AXOS Bank ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX with a amount of XXXX owed. I have never heard of nor have I ever had any type of account with this bank. I filed a identity theft report with FTC and I filed a dispute with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01
Company: EQUIFAX, INC.
State: GA
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: Their investigation did not fix an error on your report

Complaint:
Equifax and XXXX  are reporting incorrectly that I am ( 90 ) days late on the XXXX COUNTY FCU partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account that has no money owed. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: Security Credit Services, LLC
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
A company called Security Credit Services located in the State of Mississippi, with which I have no business dealings whatsoever and have never been contacted by, posted fraudulent information to my credit report on XX/XX/2021. 

This information indicates a debt reported to be in collections for {$1400.00}. I have never had such an amount in any account payable nor did Security Credit Services indicate what the debt was related to as they have never contacted by by mail or by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have not validated any of the debts TransUnion has furnished. I believe they are attempting to coerce me to pay on inaccurately reported accounts. No attempts were made by TransUnion to verify the account information with the consumer. I've made multiple attempts to resolve this issue, the most recent being XX/XX/2021.

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 2018-08-08
Company: Convergent Resources, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Debt is being disputed since original creditor didn't comply to accept payment on my 12th payment week and pay ( cash price ) amount as requested that day and described on agreement. Office didn't accept payment for {$590.00}, amount owned on my 12 to 13 payment as listed on attached agreement. 

Also I'm attaching alert email received from company that all our information was breached and probably debt is subject to alteration or even not authorized to be collected. 

Attached letter to validate debt and removal if not response is receive by due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
There are discrepancies on my personal credit report ( s ) that are in violation of my consumer rights. Please permanently delete and block the below inquiries from my XXXX, XXXX, and TRANSUNION credit report ( s ). These inquiries are fraudulent and unverifiable. 

INQUIRIES : 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 XXXXI XXXX XXXX XXXX  XXXX XXXX XXXX XXXX These inquiries are unverifiable, fraudulent, and are in violation of my consumer rights. Requesting to permanently remove these inquiries.

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