BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-25
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Lost or stolen check

Complaint:
I had returned a product for which I was issued {$2200.00} on my credit card ( XXXX XXXX by Synchrony Bank ). Bank sent me a paper check to my home address which I never received. When I asked them for a replacement check, I am told that the check has already been cashed by someone in a chase account. 

I have conveyed to Synchrony Bank that it is not me ( which can also be seen from the attached check image provided to me by the bank, it is endorsed by someone else and not me ). But Synchrony Bank says they have no process of re-issuing an already cashed check. I have raised the complaint with the police authority- they advised me to share the complaint with Synchrony Bank to get a new check as all check transactions have insurance against this type of fraudulent activity. But Synchrony Bank is not cooperating and asking me to work with the Police. The detective also told me this is a low-priority matter based on the amount and check being insured entity. Additionally, the job of the police is to catch the criminal and not get the money involved ( that is for the bank to take care of ) Check is the property of Synchrony Bank then why is my money on the line when I never received it? It is technically not my money until I receive it in my account

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 2021-06-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
My Capital One Essential Checking account was recently automatically converted to a Capital One Simply Checking account about 3 weeks ago. When this happened, my checking account was no longer connected to my Capital One 360 savings account. Because of this, I am not able to take any money out of my savings accounts. I have called several times for a resolution beginning over 2 weeks ago. I have important financial events coming up that require the use of my savings but am unable to withdraw anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-08
Company: SYNCHRONY FINANCIAL
State: FL
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:
I had taken out a Synchrony Loan/Credit Card to finance a new AC for my parents ( who are elderly and my father is in end stage XXXX XXXX with XXXX ). I set up automatic payments on their website. I always choose " pay balance '' on my credit cards to avoid interest. I did that with this one, too. They took out the full {$6300.00} from my bank account in lieu of the XXXX XXXX monthly installment. I quickly called and said there must be a mistake, please reverse the charge and I will make a payment over the phone immediately. I was advised that was not possible. They would send me a paper check for the difference and it would take 7-10 business days to arrive. I spoke to two 'client managers ' who told me they could not electronically refund the money, nor expedite the check issuance and/or XXXX the check. I was told a 'client manager ' is the highest person I am allowed to speak to. I can't even do an electronic deposit for a {$6000.00} check. I would need to drive 30 minutes to my credit union. I explained all of this to them. I believe it's unreasonable ( a frankly predatory ) to expect a person to wait 7-10 business days for a refund that can only be issued on a paper check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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 XXXX 's XXXX bank credit card was used without my authorization by XXXX 's stores. I called and XXXX 's corrected the incorrect charge and refunded the {$55.00}. I called XXXX credit card and they said they would correct the late fees and confirmed the account would show a {$0.00} balance within 3-4 days. This did not happen, so I called on XX/XX/XXXX and spoke with both XXXX & XXXX and they confirmed that the fees would be eliminated as promised. This did not happen. I then called again and spoke with XXXX who again said it would be corrected and the amount owed would be {$0.00} and corrected in 3-4 days to reflect back to {$0.00}. On the third month of incorrect late fees on a false charge by XXXX 's, they then corrected the issue of the balance and closed the account as of XXXX, and this was reflected correctly as a {$0.00} balance, closed account. However, they STILL failed to correct my balance and past due amounts ... I NEVER owed anything in XXXX. I was NEVER late. This is provable by whom I spoke with & & & the fact that I personally did not pay ANY money to this account, they did themselves because they were wrong!!! This is still not fixed on my credit report because of XXXX Banks ineptitude and lack of follow through on their end.

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 2019-08-08
Company: Exeter Finance Corp.
State: MS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I received a letter on XX/XX/2019 stating that the maturity date on my vehicle was XX/XX/2019, since then I have received several calls from the company inquiring when my next payment would be. I made a full payment of {$320.00} in XX/XX/XXXX as well as XX/XX/XXXX. I know companies can call as much as they like but some of them are repetitive, early in the day and late in the evenings. I received a call on XX/XX/2019 from the company and a representative wanted me to call back, I have never had that happen since I have been doing business with the company. I did call back and informed the person I spoke with of returning the call. I was asked when I would be making a payment, I also informed the person that I had spoke with another representative a couple of days ago and promised to call on the XXXX of the month to let them know to take the current payment out. the representative proceeded to tell me that the balance was XXXX and some change and it needed to be paid. I informed her that I didn't have that amount to pay the car off and if I did we wouldn't be having the present conversation. she informed me that the company couldn't keep pushing the months back and that I would continue to receive follow up calls from them, I told her I understood. she also said something about 80days and once the past due time reaches 80 days being they can't charge interest ( if I am  repeating it correctly ) the company the company would probably start proceedings to reposes the car. I asked her why would the company do that and I am almost through paying the car off? and take away the vehicle I need to get back and forth to work, she kept saying she understood. I did inform the representative of my asking to push a few payments back a couple of years ago and was allowed to do so, i was informed that the payments would be added toward the end of the balance of the vehicle. If I had known I would be facing this problem I would have left things alone. I would like for a manager or ceo of the company to contact me and explain the company 's policy on this matter if there be one and allow me to  continue to pay on the vehicle until the almost four and one half payments  are made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-28
Company: 21ST MORTGAGE CORP.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I called 21st Mortgage Corp. to see if my check # XXXX {$390.00} was received for my XX/XX/XXXX mortgage payment which I sent onXX/XX/XXXX with first class stamp in their envelope and payment stub. I was told to wait a few days to see if it showed up. I was then called by the person I spoke with ( XXXX XXXX ext. XXXX ). that my check was not received and that I could either make a payment over the phone or wait. This has happened two times previous that my checks were not received and my account was delinquent which affected my credit. I made the payment over the phone and stated that if check showed up to contact me and or return the check. Neither occurred, on XX/XX/XXXX I noticed a second withdrawal from my bank account. I called the person to ask why the check was deposited and he said he had no control over this situation. I am on a fixed income and had to make arrangements to recoup from the additional costs As stated before this is the third time this has occurred, and it should be addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: U.S. BANCORP
State: MD
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I had a fraudulent charge on my account form XXXX  online for {$230.00} on XX/XX/2021 I file a dispute the same day describing my account is fraudulently charged and I was told there will be a credit but on the letter they sent me XXXX XXXX the transaction was not billed and they closed my dispute on the contrary they charge me for the same amount {$230.00} I would like to get the fraudulent charge off my account specially the customer service personnel I talk to XXXX and his supervisor XXXX were very rude and lack knowledge even if I waited for a month without resolution they want me wait another month

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 2017-09-27
Company: EQUIFAX, INC.
State: ID
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
In the wake of the Equifax data breach, I attempted to freeze my credit report with them using their web site. At the point in the process where the freeze was to execute, nothing happened, the site locked and never issued me a pin. When I return to the site, it only offers me options to remove a freeze but requires a pin to do so. 

I signed up for their credit monitoring service because a call center rep on the data breach response line told me that I could use that service to lock and unlock my report at will. When I log into that site, I get an error where it is supposed to show my lock or unlock status. 

I have sent numerous emails to their " contact us '' email address and have Case #  XXXX. Days have passed with no contact. I 've tried to call customer service but the phone has been busy for days. Today I got into their automated system and have been listening to their hold message for 90 minutes so far. 

My report may or may not be frozen at this time. I ca n't contact Equifax to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-14
Company: EQUIFAX, INC.
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: Public record information inaccurate

Complaint:
I have been attempting to verify the legitimacy of the reported Bankruptcy XX/XX/2011 XXXX ID # XXXX. 

XXXX, XXXX and Equifax has repeatedly " verified '' this as accurate information. 

My question to XXXX, XXXX  and Equifax has always been : " Which original source of the information did they verify accuracy with ''? 
I know the clerks at the City of XXXX courts, who have told me that they don't speak to the credit bureaus at all. So who did they " Verify '' this with??? 

My XXXX XXXX report has a security freeze on it, so they couldn't have verified it with them, could they??? 

I am confused and genuinely feel like a victim of the big corporate society who is trying to keep the little guy down. Please help. I have no where else to turn.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I was charged in the middle of the night between XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX. By XXXX  XXXX utilities for XXXX transaction charges to my debit card for XXXX, XXXX, XXXX. I do not reside in Okaholma city, do not have family in oklahoma city. I woke up on XX/XX/XXXX to the transactions reported. I called USAA and was told I had to wait for the pending charges to clear, I returned my call on XX/XX/XXXX once the pending cleared and requested my credit card be replaced, and that fraud investigation was being done. I had explained to the agent that they will fraud check me at a gas pump XXXX miles from my home, but did not fraud alert or pop a system alarm for XXXX repeat transactions the same exact day in a whole other state. My charges on XX/XX/XXXX were deemed not fraudulent even though no investigation was completed. I Could provide proof I was working at XXXX XXXX XXXX at the time, I Could provide my Utility company state for XXXX XXXX, I could provide my other School job and childrens attendance that we were all present in TEXAS where we live at the time of the FRAUDULENT charges. They denied the charges and stated I was responsible for them, so you're telling me that as a banking individual that is to trust a bank with my money someone stealing my card number and paying clearly an electric bill in another state even though I have a XXXX charge in TEXAS the day of the OKLAHOMA charges. They requested no proof, they didnt communicate or reach out or ask for additional documentation the whole 90 days that I waited for approval. Instead they reversed it and denied it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
I had a paypal credit account and was paying it every month. While paying it my pay pal account was then changed to a MasterCard account with Synchorny Bank. In doing so they charged off my account. And was told although I want to pay the entire balance off. I was told that it will remain on my credit for seven years. This has infringe my possibilities to refinanced my home for seven years. Please help me

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: EQUIFAX, INC.
State: FL
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:
Since XX/XX/XXXX I have been disputing information reported by XXXX XXXX XXXX and Equifax, XXXX, and XXXX for which they claim My account was charged off {$1100.00} on XX/XX/XXXX. Repeatedly, XXXX XXXX have failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. XXXX XXXX  claims this account was sold to XXXX XXXX XXXX and refuses to provide me any viable evidence that the account is being reported accurately. They are being willfully non-compliant in my request for verification of the debt. They just told me to contact XXXX XXXX XXXX. Recently, XXXX sent me a copy of a bill statement. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. The listed item is inaccurate and incomplete, and represents a very serious error in your reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-20
Company: EQUIFAX, INC.
State: NY
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: Was not notified of investigation status or results

Complaint:
After multiple of disputes no information provided by the company ( XXXX XXXX ) is matching any of 3 Credit Bureaus .Enclosed is a reply from XXXX . 
I have only received a reply from XXXX that they verified information and its accurate and complete!!!??? Accurate and complete??? As per enclosed Screen Shot last time they verified this account XX/XX/XXXX.It means they never did .Equifax sent me Equifax sent me a post card stating that they can't find me in a system with a bogus explanation, which is basically computer generated " go away, do not bother us no more '' message .XX/XX/XXXX did not even bother to reply ever .Please review all attached documents and Certified Mail Receipts. 
Bellow is my brake down of how the account is reported by the furnisher and all 3 Credit Bureaus : Date account opened : XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX # of Month of terms : XXXX XXXX XX/XX/XXXX. XXXX EQ XXXX XXXX XXXX Balance : XXXX {$6100.00} XX/XX/XXXX XXXX EQ XXXX XXXX XXXX Date of Last Activity : 4 different dates, even years!!!!!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! 
Please examen their own ledger. 

Date of Last Payment : Different Dates and even years!!!! 
XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Which raising a huge question about when this account should come off the report!!! Please examen their own ledger. 

Last time reported : XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX EQ XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX It means XXXX have never conducted investigation and have never responded to XX/XX/XXXX and XX/XX/XXXX .XX/XX/XXXX and XXXX have never initiated investigation either. 
Now its even more understandable why all dates and dollars mismatch. 
What is even more interestingly that contract that apparently has my signature on it Doesn't have an account number that XXXXXX/XX/XXXX refers to!!!!! How do I even know who this account number belongs to??????? 
To establish the credit file the furnisher must submit the initial contract to all 3 Credit Bureaus, than how this account number belongs to me without my signature????

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-05
Company: Dynamic Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received one missed call with a voice mail from dynamic recovery solutions and then received a document in the mail claiming I owe them. I monitor my credit report and do not see the account in mention listed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-04
Company: DISCOVER BANK
State: FL
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX XXXX I was charged {$290.00} from XXXX XXXX XXXX. I call endlessly to reverse charge but no one answer the phone. On XXXX XXXX I open a dispute with my discover card. They told me they were going to try to fix the issue and in the meantime my XXXX was frozen, meaning I didn't have to pay it back. On XX/XX/XXXX XXXX the XXXX XXXX XXXX gives me the refund back. On XXXX XXXX discover says I owe them {$290.00} again. When I call the dispute department they said they didn't realize a refund was given to me back on XXXX XXXX and I have to give them back {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-16
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
We are ready to pay off the mortgage, the lienholder is OCWEN FINANCIAL, we have contacted them several times and they say that they don't have any records on the debt, yet there is a lien filed on the property from them and we have documentation that proves that there was a balance owed to OCWEN. 
We just want OCWEN to give us a payoff and we want to proceed and pay off the loan. 
The attached documents show that there was a bankruptcy chapter XXXX. After the bankruptcy was discharged there is an order to pay OCWEN {$480.00} per month. Also, there is another letter that has an 8 digit account number that shows a balance as of 2017. We call OCWEN and Ocwen says that they can't locate anything with that loan number, nor with the address, nor with the social security number of the mortgagees. We believe that they are not doing all they can to help pay off the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation