BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
i had two synchrony bank credit cards ( one for XXXX and the other synchrony care card ). Both cards were cancelled unjustifiably. When I received a letter in the mail about the XXXX card, I paid the past due balance in early XXXX and they closed it on XXXX XXXX. My synchrony bank account was also closed last month and I was up to date on all of my payments. I was told that they apologize for the inconvenience, but I would still have to apply for another card since it was already closed erroneously??? That makes absolutely zero sense. They messed up my credit score with all of this and I want them to fix this immediately. I have seen the complaints recently and the main ones is the statements not matching, saying that the cusstomer is past due on payments when that is incorrect, and erroneously cancelling credit card accounts without permission or explanation. This gives me the indication that I am not the only one nor the last person who will go through this if they are not held responsible for not even attempting to resolve these issues. Messing with people 's livelihoods is not the type of company that I would like to do business with in the future. Also please note that even though my accounts have been closed. I still maintain my payments. So they can not say that I have stopped. They have also shut off my autopay without my permission which is why one payment was late with 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 2017-11-07
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
The is a scam. The company STATEWIDE LEGAL MEDIATION is claiming to represent XXXX XXXX XXXX ... The company has NEVER ( I called to verify ) had me as a client. This company in an effort to catch them I allowed a {$10.00} charge which I disputed from my bank had removed today. I also had my banking information changed as well. This company is very crafty.. They have your last four and birthday info like most of these companies. You just CAN NOT and should not give them any more info ... Thank you

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. Experian has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but Experian says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but Experian is advising that the account is valid. Please assist.

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 2019-04-28
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
This refers to the attached billing account statement received fron XXXX XXXX XXXX XXXX XXXX XXXX for my two semester of education. The total cost of Tuition and Educational Fees was {$7600.00} ( {$3800.00} x 2 semesters ). I received TAP awards totaling {$1000.00} for the two semesters, Based on above, it shows that the school was entitled to receive a loan of {$6600.00} from my lender ( Sallie Mae ) for the total cost of my education. 
However, Salie Mae and/Navient, the Lender and Servicer of these Loans have been collecting repayments since XXXX based on the amounts of Loans totaling {$17000.00} which my school received in XX/XX/XXXX and XXXX XXXX. There are issues of Overpayments/Overawards to be resolved. There is no account for the total amount collected from me by SalliMae before transfering my loans to Navient on XX/XX/XXXX. From XX/XX/XXXX to date, Navient has collected {$35000.00} from me and continue to ask for a payoff of {$34.00}, XXXX. I have never received any portion of overpayments returned to me or deducted from original loans by the school and the lender.. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: CITIBANK, N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Add-on products and services

Complaint:
On XX/XX/XXXX I received a letter from Citibank, informing me that their records reflected that i was previously enrolled in XXXX ', which is an optional debt protection program offered by Citibank in which I was charged a monthly fee. I further researched the matter because I closed my Citibank Credit Card approximately two years ago, so to my surprise I didnt understand why I was receiving a letter from Citibank. After researching it I found that Citibank settle their lawsuit in XX/XX/XXXX but here XX/XX/XXXX I am just being contacted in reference to being enrolled in programs without my  consent or not being properly informed by the representative of the charges, the only thing I was informed of at the time automatic payments was set up was that ; my payments would be {$67.00} a month. I have never been informed by a Citibank Representative about any program costs or benefits that would occur on my bill.

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 2022-03-08
Company: AMERICAN EXPRESS COMPANY
State: FL
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 took part in a promotional solicitation offer by Amex to upgrade my credit card product ( paying an additional annual fee ). This was an offer to try a more premium card in exchange for some points. After trying the card for nearly a year, I decided to downgrade back to my original card. Amex then contacted me and removed the points awarded from the promotional offer. 

I was told that because I did not re-up on the annual fee for another year, they were retroactively removing points awarded 9 months ago. This seems like a " have it both ways '' situation on their part. I was an honest participant in their offer, and decided the product wasn't for me. They then penalized me for it using fine print terms I wasn't even aware of. 

XX/XX/21 : Amex emails me offering me XXXX Membership Rewards points for upgrade from Amex Everyday card ( no annual fee product that I have ) to Amex Every Preferred card ( {$95.00} annual fee ). The promotional offer requires that I spend {$2000.00} within 3 months. 

XX/XX/21 : Amex sends a reminder email about their offer XX/XX/21 : I accept the Amex upgrade offer XX/XX/21 : I spend {$4400.00} on the card, fulfilling the term of the offer XX/XX/21 : Amex emails me confirming I fulfilled the terms of the offer and awarding me the XXXX points. 

XX/XX/21 : I downgrade the product back to my original card ( Amex Everyday, no annual fee ). I tried their product for a lengthy period of time and determined that I didn't get the additional value advertised to be worth it. 

XX/XX/21 : Amex emails me that they have deducted the XXXX points from my account

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-07
Company: U.S. BANCORP
State: OR
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
we have sold our home and purchased a new home, problem is back in 2010 we took out a loan for {$140000.00} for remodel, then transfer the loan to another branch of US Bank, no one ever record the close of the first loan with XXXX County records, and this is the hold up for escrow closing that as of the XXXX four families suffer as closing cant occur on 4 properties, including ours. this started over a month ago. XXXX XXXX needs a letter than specifically references the fact that the attached Deed of Trust was paid in full and that they are in the process of releasing the lien, because they cant find it in their system. 
Please this is very URGENT. I do not know what else to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-07
Company: EQUIFAX, INC.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Since XXXX XXXX, my XXXX XXXX XXXX XXXX has not been showing up on my Equifax Credit Report it showed up from XXXX to XXXX but that was it then the card had dropped of the report and my credit score went down roughly 39 points. I use XXXX XXXX to keep track of everything and all accounts are correct but the only one missing is the XXXX XXXX on the Equifax report ; it 's on the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-27
Company: Coinbase, Inc.
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
From the XXXX XXXX 2017 I have been locked out of my crytocurrency trading account on www.coinbase.com I have tried to contact coinbase to resolve this through email requests only to recieve automated messages and a faint promise of help " soon ''. 
Further attempts to contact coinbase through their support phone line have resulted in nothing after waiting in excess of 4 hours on " hold '' to talk to someone. 

This complete lack of service is unacceptable. 

Avoid using coinbase if you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: AMERIS BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I requested a loan deferment in XXXX and resumed payments 12 months later. XXXX XXXX told me that the deferment amount ( principal and interest ) would be added to the end of the loan. 

I requested a loan payoff in XX/XX/XXXX. They gave me two amounts-the original principal remaining ( approx $ XXXX ) at 4.125 % and the deferred amount ( approx $ XXXX ) at 0 %. I sent in a payment for $ XXXX and the applied $ XXXX to the deferred amount and {$210.00} to the principal. Therefore, my new balance is $ XXXX that is accruing interest at 4.125 %. I believe they should have applied all the $ XXXX to the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-06
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2019, I received a call from a XXXX number. I was hesitant to answer but I had a gut feeling i should answer the call. Upon answering the call, an individual stated that they were calling from TD Bank ( HEREINAFTER, " TD '' ) and they want to go over some transactions that seemed irregular on my account. The individual went over two transactions that occurred in XXXX, FL and i vehemently denied all claims because I was physically in New Jersey at the time and I was in sole possession of my debit card. Because of the area i was in, the call kept dropping and the person kept calling back. I become a little concerned with the validity of the call and XXXX the number I was receiving the call from. I then XXXX the number, XXXX and the search came back as TD Fraud department hotline. This put my suspicion at rest. Once we finally got back on the phone, the agent proceeded to help me reset my online banking, issued me a new card, help set up my pin and blocked the transactions from hitting my account. The next day I walked into a TD store located at XXXX XXXX XXXX in XXXX, New Jersey. I met with a TD rep to get an understanding what happened with my account. The rep seemed hesitant to help me which made it even more difficult for me to understand what happened to my account. Once i explained to her that a TD fraud rep called me, she fully understood and told me that many of TD 's  customers have been dealing with that issue and that TD is slow to fix the problem. When she informed me of that, i questioned as to why TD wouldn't change their FRAUD hotline if they are well aware of the issue. Thats when she alerted me that transactions totally XXXX had occurred on my account. She also informed me that i couldn't put in a claim until the transaction finally posted the next day. On XX/XX/2019 I returned to the bank to report that fraud on my account. I voiced my concerns with TD bank on this lack of ability to take action. I personally have never made a withdrawal of over {$800.00} from a ATM but TD allowed someone else residing in another to state to make withdrawals totaling {$4500.00} and an additionally transaction in a store of {$500.00}. They didn't stop the transactions for irregular spending or even picked up on the fact that I wasn't in XXXX, FL. I had to go to the brand for 3-4 before work in my uniform using my vacations hours to clean up something i am entrusting TD to protect me and my money from all while being made to seem like I was committing the fraud myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-23
Company: EQUIFAX, INC.
State: CA
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected for erroneous reporting in my file are listed on my credit report : XXXX  XXXX XXXX Balance : {$2000.00} ; XXXX XXXX Balance : {$1000.00} ; XXXX XXXX XXXX Balance : {$6400.00} ; XXXX XXXX XXXX XXXX : {$5500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
XX/XX/XXXX Opened a Chevron/Texaco affinity Visa card service by SYNCHRONY BANK - credit limit {$2500.00} ( my credit score is between XXXX ) ; XX/XX/XXXX started using the card for my company 's drivers mainly at Chevron Gas stations XX/XX/XXXX balance is {$400.00} - I made the first payment online through company 's Synchrony Bank 's website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XX/XX/XXXX balance {$720.00} - made another payment of {$720.00} - bank website XX/XX/XXXX email received confirming " payment posted '' - available balance not updated to reflect payment XXXX spoke to company representative who informed that " payments are on hold '' while thy " determine my payments pattern '' due to new account - this is without any " returned payments '' - representative advises that payments are being held for up to 9 days! 
Agent advises that making payments on " debit card '' is quicker and will credit in 24 hours XX/XX/XXXX - Payment of {$1000.00} made on debit card linked to my business account that'd a balance of over {$90000.00} XXXX Received email confirming " payment has posted '' - balance fails to reflect the payments XX/XX/XXXX - None of the payments had been reflected in " available balance '' XXXX spoke to multiple representatives and supervisors who told me that " payments can be held for 9-10 days '' and that I was ERRONEOUSLY told to make a payment on debit card as that payment also would be held for 9-10 days! 
All payments made had cleared my bank account in 1-2 business days Contact made with Social media " executive linked representatives '' XXXX, who pretty much repeated all the above while being unable to answer the question " What does it mean when your email says my payment has posted? '' but the balance is not updated??? 
FYI-My debit card payment made on Friday XX/XX/XXXX cleared my bank account on XX/XX/XXXX the very next business day. 
Why in an age of electronic banking does Synchrony Bank claim that they have not " verified payments '' and can not tell me what that even means? 
How can Synchrony Bank deceptively send confirmation of payments but not make the balance available? 
New account or not, unless they have another reason and experience to " hold payments '' this should not be allowed and is illegal as it it is clear Synchrony was receiving the funds in 1-2 days.

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 2018-01-15
Company: BB&T CORPORATION
State: SC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
We bought the car after experiencing the loss of our previous car from a MVA in which the car was totaled. We felt pressure to buy something quickly, from the insurance company. We purchased a XXXX XXXX, and the XXXX dealership obtained financing through XXXX XXXX XXXX. The account number is XXXX. The payments became a struggle when I had to stop working as a XXXX XXXX XXXX due to health problems. I tried to work with the company to reduce payments and they were unwilling to work with us to lower the payment amount. We thought maybe we could trade the car in and lower the payments that way, and the gentleman at the XXXX dealership suggested just letting the car go. It would only hurt your for a year. In fact he told us he had done the very same thing and it did n't affect his credit at all. They refused a trade in because the amount owed was more than the value of the car. Being desperate to lower our payments we fell for this and purchased a XXXX XXXX XXXX for {$300.00} less per month. I tried to talk my husband out of this but he would change his mind. My husband was diagnosed with XXXX XXXX XXXX in XXXX and does not always see things clearly. They came and repossessed the car, sold it and the amount we still owed was {$17000.00}. We only paid XXXX for the car new. I was not able to maintain employment and had to file for XXXX due to XXXX. We tried so hard but we were so gullible. The car was purchased at XXXX XXXX in XXXX  Carolina.

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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
I've been disputing these charges for over a 5 years, the charges were made in Texas when I live here it is effecting my father XXXX XXXX and my XXXX XXXX credit and I'm a young man trying to purchase a home. We've possibly determined that my brother may have used my card unfortunately he passed away last XX/XX/2020 from XXXX XXXX due to XXXX  XXXX which has been very traumatic for my family. I did not make these charges and would ask that it be removed from my credit bureau and my father 's. Our lifes have been turned upside this passed year and I'm trying to move forward from this grief. 

Thanks for your time and understanding XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08
Company: Experian Information Solutions Inc.
State: TN
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:
After viewing my most recent credit report, I noticed unauthorized inquiries. I have never give consent for these company to pull 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 non-monetary relief
Consumer complaint received 2022-03-08
Company: Bridgecrest Acceptance Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Pursuant to 15 U.S.C 1692 Section 805 A States a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known or which should be known to be inconvenient to the Consumer.

Bridgecrest has mailed letters to my place of residence which serves as a form of communication.

Pursuant to 15 U.S.C 1692 Section 804 ( 2 ) ( 2 ) not state that such consumer owes any debt ; Bridgecrest has mailed a letter stating I " owe and alleged debt '' ( not state that such a consumer owes any debt ).

Can you reference the federal law that states I owe the debt under the Federal Debt Collections Act? Does your contract supersede federal law?

Bridgecrest has a legal obligation to abide by federal law under the Federal Debt Collections Practice Act. Bridgecrest has not provided an appropriate federal law to respond to my CFPB complaint. Once again the federal law under the Federal Debt Collections Act governs your contract. Please review your incorrect response and respond accordingly as you have violated federal law by indicating on your letters that This is an attempt to collect a debt. Any information obtained will be used for that purpose. 

Please note based off the federal law I provided in my CFPB complaint that statement is illegal and potential legal actions could be faced by your company if the law is not followed.

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