BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-08-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Signed up for the Amazon Credit Card as they heavily advertise it. Upon being approved for the card they allowed me to start using it before the card was physically mailed to my house. Unfortunately, you can not signup for auto-bill pay or register an account with the website until the card physically arrives at my doorstep. 

No problem, a few weeks later it arrives, I create a login on the website and immediately sign up for Automatic Bill Payment. This is done successfully and I quadruple check that my payments pay off the full balance ( not just minimum ) during each statement ( like I do with all my accounts ). 

Today, XX/XX/XXXX, I found out my payments were being declined. The Synchrony Banking websites are all broken, and all seem to take you to different portals so I called the 800 number. They confirmed that I signed up for auto-pay but they said " some '' payments ( especially the first ) will not always be automatically billed and need to be manually submitted. Thus, my first payment was never actually paid, and my account is now " delinquent '' and fees + interest accrued. 

It took a lot of time but I was able to pay the balance, get the fees + interest reversed and close the card, however, this is not enough. Their billing practices and customer support are highly suspicious, asking multiple times ( on the same phone call ) for sensitive PII even after I had given it through the automated system AND to the representative on the phone. Additionally, I have never heard of an account not allowing automatic-bill pay in such an inconsistent manner. This should be fixed and should be in massive letters when signing up for auto bill pay that it doesn't work as the customer might imagine.

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 2020-10-28
Company: LoanCare, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I live within XXXX. Yesterday ( XX/XX/XXXX ) I received a letter dated XX/XX/XXXX from the mortgage servicing company saying I had recently missed a mortgage payment. The letter also stated that I needed to reply by XX/XX/XXXX - which had passed by the time I received it. 

My bank records here in XXXX show that I have transferred each monthly mortgage payment via internet transfer, using bank transfer details provided by the mortgage company in XXXX. 

However, the Monthly Statements - along with various other correspondence - appear to be sent via surface mail taking months to arrive. For example the last Monthly Statement I have received, for statement date XX/XX/XXXX, was received by me on XX/XX/XXXX. I have not received monthly statements for XXXX, XXXX or XXXX although I have made payments for each of these months. ( There is unfortunately one monthly payment which may have contained an incorrect amount in error - the unadjusted amount for this year instead of the newly adjusted amount for this year. ) With the delay in receiving correspondence, I now find that I don't have a clear picture of the state of my account ( as I'm unaware of what late payment fees may have been applied to the account ), and that I may be forced into foreclosure.

I have been unable to log onto the website for the mortgage company, nor make contact via phone. However I have sent an email yesterday, and am awaiting a response.

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 2018-07-13
Company: SYNCHRONY FINANCIAL
State: NE
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:
I would like to file a formal complaint against XXXX XXXX dba CareCredit. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX, which XXXX XXXX dba CareCredit applied to my account on XX/XX/XXXX and which cleared the XXXX XXXX XXXX on XX/XX/XXXX. I mailed my XX/XX/XXXX payment of {$200.00} via check # XXXX on XX/XX/XXXX which XXXX XXXX dba CareCredit applied to my account XX/XX/XXXX and which cleared XXXX XXXX XXXX on XX/XX/XXXX. XXXX XXXX dba CareCredit then charged me a late fee of {$38.00} and additional interest on the XX/XX/XXXX statement and further sent me an email on XX/XX/XXXX claiming I had missed the XX/XX/XXXX payment. I mailed my XX/XX/XXXX {$200.00} payment on XX/XX/XXXX as usual and which cleared XXXX XXXX XXXX on XX/XX/XXXX, so who knows what XXXX XXXX dba CareCredit will come up with on my next statement. 

This is after XXXX XXXX dba CareCredit charged interest each month during XX/XX/XXXX after agreeing to a changed payment date until I filed a formal complaint with the CFPB, when they finally removed the late charges after blaming me for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX. Additionally, XXXX XXXX   dba CareCredit failed to reply to my correspondence sent to their website link on XX/XX/XXXX until XX/XX/XXXX ( 7.5+ months ) and then finally blamed my for their incompetence in their reply dated XX/XX/XXXX from XXXX XXXX . Because of their failure to respond to my original request for almost 8 months, XXXX XXXX dba CareCredit has now added back interest to the account virtually doubling the amount due for my XXXX XXXX. 

Please require the following of XXXX XXXX dba CareCredit : 1.  Remove the late fee of {$38.00} charged on the XX/XX/XXXX statement 2. Remove the interest charges of {$1000.00} and {$1200.00} from the XX/XX/XXXX statement 3. Permanently remove the interest charges of {$1000.00} and {$1200.00} shown on the XX/XX/XXXX statement for a minimum of 8 additional months which are a result of XXXX XXXX dba CareCredits failure to respond to my XX/XX/XXXX complaint for 8 months last year 4. Charge no interest for the next 8 monthly billing cycles due to XXXX XXXX dba Care Credit 's failure to respond to my XX/XX/XXXX complaint in a timely manner

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 2018-04-03
Company: Netspend Corporation
State: MI
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/2018, Netspend disbursed interest into the Savings account, but then Netspend promptly withheld some of the interest income claiming that I am subject to backup withholding. I am not subject to backup withholding for the following reasons : Netspend has my correct social security number, I'm a US citizen, and I have not received any notice from the I.R.S. that I am subject to backup withholding.

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 2018-04-03
Company: CarMax, Inc.
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: Their investigation did not fix an error on your report

Complaint:
According to your letter, it states that Carmax didn't receive my payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, andXX/XX/XXXX, until XX/XX/XXXX. How could you have missed those three payment that are clearly shown directly in the middle of the page that reads XX/XX/XXXX payment {$310.00}, XX/XX/XXXXpayment {$310.00}. And XX/XX/XXXX payment {$310.00}. How can Carmax reverse payments they so-called never recieved? Obviously XXXX XXXX XXXX has fraudulent record keeping. Furthermore I sent all three payments again in a lump sum of {$1300.00}, that was three payments and the sum of {$470.00} for the tow fee by the repossession company. I also believe Carmax is trying to fraudulently add late fees to my account, my payments are due on th XXXX of the month and I always pay on the XXXX and yet Carmax still applies late fees for ON TIME PAYMENTS. I will be seeking {$5000.00} for each occurrence in a court venue to me with factual proof that my complaint does have merit, and I'm owed {$20000.00} in restitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: I.C. System, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I lived in XXXX XXXX XXXX during XX/XX/XXXX -XX/XX/XXXX. XXXX XXXX was my utility provider for a year or so. I moved to XXXX afterward, and never heard from XXXX XXXX and this collector I C SYSTEM at all ( e.x., phone/email/mail ). Recently I requested a credit report from XXXX  ( XXXX XXXX XXXX ) and saw that I C SYSTEM has been collecting debit all the time ( even this month ).

Apparently, this event has been affecting my credit record for a long time ; I am willing to pay this {$52.00} bill, but I have to know that what it's for. Also, I don't have any reference number for paying on I C SYSTEM INC 's website ( https : //pay.icsystem.com/ ). Thus, please help to me to resolve this issue and hopefully repair my credit score. Thank you!

Account Name : I C SYSTEM INC ( XXXX  ) Original Creditor : XXXX XXXX Open Date :XX/XX/XXXX Balance : {$52.00} Contact Information : XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: EQUIFAX, INC.
State: MA
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:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
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:
I have inquiries I didnt authorized on my credit report and I want them remove, I dont know how it is possible that some company can check the report without people authorization.

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 2020-12-09
Company: Chime Financial Inc
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Simply put Chime ( and its banking partners XXXX XXXX  XXXX XXXX XXXX ) are unreasonably withholding funds and freezing my account. Im not sure if its a scam, fraud, or just a terrible business model, but my account has been frozen for absolutely no good reason. They have claimed suspicious activity in my account, which is puzzling since I have not made a single transaction. I initially deposited {$10000.00} on XX/XX/2020 from another bank I work with ( XXXX ). I solely deposited the funds to generate a higher interest rate on some savings. After being told my account was under review on XX/XX/2020, I was asked to provide proof of funds from the source ( another bank ), which I provided on XX/XX/2020. Despite providing that, they proceeded to freeze my account on XX/XX/2020 and asked for a list of additional information. Once again I provided everything requested of me, on XXXX. I have e-mail record showing I would have a response in 2 business days, which I have not received. Ive called multiple times and Ive been given false timelines for an update, and been told this has been escalated with zero response so far. After doing more research, its clear I am not the only one with this type of issue. In addition to making Chime customer service and their CFO ( XXXX XXXX ) aware of my issues, I have also made aware Chimes banking partner XXXX XXXX ( and its affiliate XXXX XXXX XXXX  XXXX XXXX ). Specifically Strides customer service team and head of marketing ( XXXX XXXX ) and XXXX CFO and head of investor relations ( XXXX XXXX ). Protect consumers from this company. Force them to act legally and ethically, or otherwise the FDIC and consumers will be left holding the bag.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: JPMORGAN CHASE & CO.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
XX/XX/XXXX.

My wife applied for J.P.Morgan Chase Sapphire Preferred Card at the end of XX/XX/XXXX.

The decision to apply for this card is based on Chase 's promotions : 1. XXXX points after spending {$4000.00} at the first 3 months ; XXXX XXXX additional points for adding authorized user ; 3. {$0.00} intro annual fee, {$95.00} after 1st year ; However, when we received the card on XX/XX/XXXX, we saw there's this charge of {$95.00} annual fee dated XX/XX/XXXX already showed up in the account.

I called Chase 2 times and both 1 tier service agent and her supervisors refuse to honor the promotion shows in the screenshots attached.

XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-12-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
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:
This is not a dispute. TransUnion on its own generated a report I was delinquent on my mortgage. Why did TransUnion generate this? TransUnion never received any report from anyone stating I was delinquent. TransUnion consistently responds with a standard form letter response. Until that changes I will continue to file reports. Refer to my previous 10 - 15 complaints for more info.

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 2018-02-28
Company: WAKEFIELD & ASSOCIATES, INC.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I check my credit report and there is an account from Wakefield & Associates reporting as a collection account. The account number is XXXX for {$1300.00}. This does not belong to me. I have been a victim of identity theft. This company has not contacted me or sent me any kind of communications so that I could inform them that the account does not belong to me. They just posted it on my credit report.

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 2018-04-03
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: Didn't receive advertised or promotional terms

Complaint:
I received the American Express Delta Platinum card with a XXXX   miles bonus if I were to spend {$3000.00} in the first 3 months. I completed my spending threshold in XX/XX/2017 -well within the 3 months since opening my card.

I have contacted American Express at least 4 times via chat ( since the phone number is not an option online ) and have been told repeatedly that my case required escalation and assured me that it would be resolved promptly and to check back in a week. This has been ongoing since XX/XX/XXXX and I keep getting the same run around when I ask for a status. My miles were to be awarded within 6-8 weeks and I have given them ample opportunity to rectify this. My biggest issue with this is that I counted on these bonus miles to book a trip that I now have to pay for out of pocket so this is a huge cost to me. I feel that American Express is unwilling to resolve this issue and feel that they used false advertisement of bonus miles to get me to open an account and use my card with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
1. Effective XX/XX/2020, XXXX XXXX XXXX XXXX sold/transferred my home loan to XXXX XXXX XXXX. - ( Documents 1 & 2 ) 2. XXXX XXXX XXXX didn't start reporting my account to the credit bureaus until XX/XX/2020. 
3. My XXXX report reflects a good XXXX  score and a good payment history. ( Document 3 ). 

4. After XXXX XXXX XXXX started reporting to XXXX, on XX/XX/2020, my credit score dropped 60 points. ( Document 4 ). I still haven't heard back from XXXX. 

5.. After XXXX XXXX XXXX started reporting to TransUnion, on XX/XX/2020, my credit score dropped 61 points. ( Document 5 ). No one at TransUnion can explain to me why other than the XXXX XXXX XXXX XXXX was closed. 

I'm at my wits end! I have a 100 % pay on time pay history! These inaccuracies have severely affected me. I have tried to refinance my home to no avail and apply for a small business loan. 

The explanations for the changes in the TransUnion and XXXX credit scores do not make sense. The explanations provided do not equate to a 60 point drop. 

I need this matter investigated. Hopefully, you can get some answers.

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 2021-02-23
Company: Sequium Asset Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have reached out to Sequium several time to dispute the debt. Sequium claims the debt is from an unpaid service from XXXX XXXX XXXX internet account. However, XXXX  XXXX XXXX says it from not returning equipment, which I returned. 

On XXXX an XXXX  rep gave me a {$20.00} credit off the {$120.00} bill and submitted the rest of said balance to management to be reviewed for a credit. As he didnt have the authority to rectify the entire balance. XXXX, manager from XXXX called around XXXX EST on XXXX and said the bill was zeroed out. I called XXXX to confirm, it was. 

On XXXX I called Sequium. The representative was very forceful trying to get me to pay money I didn't owe. After threatening legal action and telling her the call was being recorded ( at that time it wasn't ) she allowed me to proceed to 3 way XXXX. The XXXX rep and the Sequium rep spoke to each other. XXXX reiterated the {$0.00} balance. However, Sequium refuses to remove the debt. Please see my recorded call on their refusal on XXXX XXXX XXXX XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03
Company: AmeriCollect
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was homeless during XX/XX/2014. During this time, I was caught in freezing rain and went into a police station as it was the only nearby public building and I was near XXXX. I was unable to think or communicate clearly, and requested a cup of coffee and a place to sit.

They called the local XXXX, which were connected to the building. They took 45 minutes to arrive, and upon arrival told me that I was not XXXX  and needed no assistance and left.

A few months later, I received a letter stating there was a {$200.00} bill sent to collections ( Americollect ). The bill detailed the XXXX 's arrival as being {$190.00}, and their use of a pair of disposable gloves as {$5.00}. I contacted the collection agency and disputed the claim, but it remains on my account and I continue to be contacted by them regarding this collection.

This is an unfair charge, as this was both against my wishes and an unreasonable charge. This has affected my credit score for years, and the collection agency Americollect refuses to negotiate this in any form.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-20
Company: Trident Asset Management, L.L.C.
State: NJ
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:
Never did any business with this company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES. 

THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX

Company response to consumer: Closed with explanation