BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-07-09
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
On the following dates Synchrony financial charge me late charges without notice and also reported me to the credit bureau for being 2 days late! 
I pay my account on their site every month. On the following dates Synchrony financial charge me late charges due on XX/XX/XXXX and cleared on XX/XX/XXXX Charged {$25.00}. due on XX/XX/XXXX and cleared on XX/XX/XXXX charged {$28.00}. and due on XX/XX/XXXX cleared on XX/XX/XXXX. Charged {$29.00}. Every time I pay more than the minimum due, and they have been charging me a late fees without notice. When I called the CSR refused to help only saying that's their policy!

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 2021-02-02
Company: PNC Bank N.A.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
PNC Mortgage does not have an online function to paydown mortgage principal. When I called customer service today, I was told that I could mail in the principal either by mail, use the phone, or access its branches. First, my concern with this is that this is the only reputable bank that claiming it does not have a system capability to let consumers to paydown principals only online. I understand that mail-in is possible, but the days during the mail transactions will add interest to my principal, and nowadays not many people even have bank checks disposable for transactions. Second, PNC 's phone payment requires XXXX per transaction and I was told that I could use the automated process. I tried this morning, it is difficult to use as I have to have routine numbers and account numbers in hand and if I mistakenly push a wrong number, it goes back to the original menu, and the process repeats. It appears to me that it is a function for customers who need to make payments immediately to avoid hurting their credit scores. Third, I live in NY. PNC is not available around my area. I only know that there are two in XXXX and we are currently a middle of the lockdown. Finally, I did not choose PNC to be my loan serving bank. It happened that my mortgage was sold to it so I have to use it. In my opinion, PNC Mortgage is trying very hard to discourage its customer from paying down mortgages. It is unethical. Unfornuately for me is that if I really want to switch my loan serving bank, I have to refinance my mortgage, which is costly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
After being denied a loan, I discovered that XXXX XXXX XXXX had filed a " derogatory '' status on my account in 2014 on a car loan I had paid in full. I filed a dispute with Transunion, and after three attempts XXXX XXXX XXXX finally agreed that the loan was paid in full and agreed to change that on the credit report but they never removed the derogatory status. I have filed again with TransUnion to find out why this is still on there, I have also written to XXXX XXXX XXXX, with no response from either one. Since the loan is paid in full, and my payment history with XXXX XXXX XXXX over the live of the loan is satisfactory, I don't believe a derogatory status is appropriate or warranted and I want an answer as to why that is still there or I want it removed.

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 2019-06-11
Company: Supreme Lending
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Supreme lending XXXX # XXXX XX/XX/2019 credit check was ran XX/XX/2019 come back with loan scenarios XX/XX/2019 sends loan scenarios again not loan estimate XX/XX/2019 sent a email for loan estimate again and shows server not active. 

They kept give me the run around on getting a loan estimate, kept sending me information that didnt have the right amounts or interest rates that were discussed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
As of today XX/XX/2020 Experian is reporting an in accurate, Unverifiable, misleading, inconsistent account onto my consumer profile.a violation of FCRA rules section 1681. 

Account name : ( XXXX XXXX XXXX XXXX  ) : Currently this account is being reported as verified & updated by Experian, while account reports no credit limit, no balance. A violation of FCRA rules section 1681. 

: Currently this account is being reported as updated and verified but still doesn't report last date of activity. A violation of FCRA rules section 1681. 

: Currently this account reports no date of last payment made. A violation of FCRA rules section 1681. 

: Currently this account doesn't report if Account was sold. A violation of FCRA rules section 1681. 

: Currently this account doesn't report terms of agreement. A violation of FCRA rules section 1681. 

: Account doesn't report date closed. A violation of FCRA rules. 

: Account doesn't report date Account was charged off. A violation of FCRA rules. 

: Account doesn't report type of account. A violation of FCRA rules. 

: Account does not appear on either XXXX  or XXXX  inconsistent reporting a violation of FCRA rules. Section 1681

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 2020-05-13
Company: Ad Astra Recovery Services Inc
State: OH
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I sent a certified letter asking this company to remove this unverified debt and they have not responded it has been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I went to a branch to deposit my check on XX/XX/XXXX with a teller and have had delays with my check due to what I believe was discrimination and retaliation. On the date of XX/XX/XXXX, I had a bank teller problem where she had treated me unfairly and I think she retaliated against me by " delaying '' my transaction and causing my funds to take longer than normal. It's been as of today ( XX/XX/XXXX ) that my check has still not cleared yet with the bank and I've called XXXX and XXXX to get a clear understanding of the hold time. The first customer service agent I've spoke to told me it was the branch that has the power to clear and hold a check longer than normal, then the second customer service ( on a different day ) told me it was their system that determines this which she said was too long because, and I agree with this being 11 days already. Now, before the institute responds with a rehears line, I've always deposit this financial institute check before for many years with US Bank and this check is a well established company ( XXXXXXXX XXXX ) that I have had for over 5 years as well, and this check was about the same amount as prior check amounts ( under {$1000.00} ) and I've never had a check bounce, decline or suspiciousness with a check nor my account. I've never had an overdraft or any fraud related suspicious activity with my 10 plus years with this bank. All of my accounts with US Bank is, and has been in excellent standings prior to this teller encounters which is why I believe was an act of retaliation and discrimination on that date and a person like her should not be in the banking profession mishandling Federal currencies any way she feels when she get upset with a customer. This 11 day hold is unreasonable and unprofessional when my checks always is 2-4 days ( at least from XXXXXXXX XXXX of a hold. And strangely this teller withheld my funds doing such a tragic event in world history that I guess she thought I would be like most and in dire need of money to survive during this pandemic.

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 2017-08-02
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
On XX/XX/XXXX, I signed a Federal Consolidation Loan Application and Promissory Note. That note stated " Except for any portion of the Federal Consolidation Loan attributable to a HEAL Loan, this loan will bear interest at an annual rate that is fixed for the term of the loan. '' The initial interest rate of the loan was originally 4.875. It was subsequently reduced to 3.625 upon my enrollment in an automatic debit plan. I started to notice on the monthly statements that the balance of the loan, after deduction of the amount applied to principal, was less than the balance Navient was providing. I sent many inquiries to Navient regarding the discrepancy, receiving no direct answer that explained the discrepancy. On XX/XX/XXXX, I contacted Senator XXXX XXXX office regarding the issue. The Senator 's office referred me to Federal Student Aid, who advised me to take the steps that I had already taken. My letter to that agency, dated XX/XX/XXXX, received no reply. On XX/XX/XXXX, I contacted Representative XXXX XXXX 's office regarding the same issue. That office contacted the U.S. Department of Education, receiving no response. On XX/XX/XXXX, I received a letter from XXXX XXXX, Office of the Customer Advocate at Navient, with a history of my 10 years of timely payments ( now 11 years ) and the following formulafor the calculation of interest : ( Unpaid Principal x Interest Rate ) divided by 365.25 =Daily Interest Daily Interest x Number of Days = Interest Due I telephoned Navient today, XX/XX/XXXX, regarding the same issue : the computation of interest used by Navient is not that to which I agreed to in the promissory note. I was told that Navient 's computation is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I used '' TransUnion '' website to check credit report, they charged me {$21.00} without my permission or knowledge that a transaction would take place. 

Information of Incident : Date : XX/XX/2018 Time : ~XXXX~ XXXX  ( Not sure about exact time, but around XXXX XXXX ) Amount : {$21.00} Charge Info : XXXX XX/XX/XXXX TU *TRANSUNION XXXX CA I immediately looked up on XXXX if this is even allowed to happen, and found out TransUnion was a scam, and cancelled my account ( hopefully it is cancelled, there is no way to tell if it is ) on TransUnion around XXXX XXXX XXXX~ XXXX the same day, in fear of reoccurring payments without my authorization or consent.

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 2018-02-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
I wrote a XXXX check # XXXX to Chase Bank on XX/XX/2017. 
Someone changed the to name from Chase to Chase re : XXXX XXXX and Chase submitted it to XXXX on XX/XX/2017 and it was paid from my acct. 
Someone also changed the account number in the memo section. You can see this in the endorsed check that came back through XXXX and a copy of the original check as written. 
I wrote this check to Chase to be credited to my mortgage with Chase. Chase did not credit my mortgage. 
Chase did present this endorsed check for payment to XXXX which XXXX paid out of my account. 
What did Chase do with the proceeds from check XXXX. Its clear that they credited it to someone else that I didnt intend for. 
XXXX submitted a claim to Chase to return my money but Chase has not returned my funds. 
Its clear that Chase credited this to another unintended Chase account, actually fraudulently done. What and when will I be remedied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I went on line to check out statement ( no paper trail ). I realized a charge of {$86.00} was added to account. I contacted my credit card ( Capital one ) and they explained this was a interest charge carried over a balance? I am charge monthly interest fees? In XXXX I am also charge a service fee of {$35.00} yearly. Back in XXXX of XXXX, I explained I lost my job I am going to pay minimum payments for a while till I get on my feet again. They said no problem as long as you make the monthly payment. I have never been late on payment, on top of that I paid always {$300.00} or more a month and my last big payment was {$3000.00} I think XXXX of XXXX to lower payments. I have been paying {$160.00} monthly and notice this charge of {$86.00} on XX/XX/XXXX. When I contacted them in XXXX to explain my misfortune they never mention that I would be charged this carried over balance? Never heard of this at all. Had many credit cards and no such problem like this. 
If you can look into this matter, and looks like I won't be getting my job any time soon. And have Capital One remove this charge, they already get monthly interest and service charge. Thank you in advance XXXX XXXX XXXX I just ordered new card so do not have number B/date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-09
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
My Direct Student loan was aquired by Navient. I have been paying Navient faithfully twice a month. I have been unable to receive a statement from Navient, my interest rate has increased inexplicably from 5.62 to 6.5 % in the last three months, and I have been turned down twice for loan forgiveness ( I am in my 17th year as a XXXX XXXX XXXX. ) My balanced has increased in the last 3 months despite me making 6 payments. A rep from Navient told me that my loans COULD be forgiven in 10 years if I pay them {$690.00}. I would then be done with Navient and I would pay Direct Loans {$150.00} for 10 years. After that the remaining balance would be forgiven. A different Navient rep an hour later gave me a different scenario. And 3 months ago, a Navient rep said that I didn't qualify. 

I need a more they statement from Navient tracking my payments, stating my interest rate and keeping a running balance. Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I received a judgement of wage garnishment and was never notified of it now Im out XXXX dollars as head of the household and only provider that greatly Impacts my ability to care for my family snd I was never notified of a date when this would begin. I want the garnishments stopped as I am unable to provide stable living for my wife and daughter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021, I sent letters about inaccurate reporting of false items on my credit report. I have not received a response from them yet. I feel like I'm being ignored by them of my disputes. This are deceptive practices by the bureaus.

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 2021-02-21
Company: Mountain Run Solutions, LLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
After receiving the defective equipment from the company XXXX they said I would have to write a letter to opt out of any agreement I sent the letter a on XXXX XXXX and they were supposed to remove me from remaining product out of my house and then I receive notice that XXXX had purchased them and took over any contracts or existing clients and they kept trying to charge me for something I had opted out and already discussed with the purchased company. I informed them if they installed equipment I would be willing to do a contract with brinks but no response from them. The payments stop for and then two years later they send a bill saying I owe them for the balance for the remaining period when I never received the services or anything after the first month. And they harassed me about paying this for months during the pandemic. I told them the situation and they said our job is to collect a debt not talk to you about your problems so either pay or its going on your credit for 5 years.

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 2018-02-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 tryed to dispute these accounts back in XXXX XXXX XXXX, XXXX, and XXXX XXXX with all three CRA. I have attached documents showing what they sent me ; also Ive attached information from XXXX  showing multiple names for me and multiple addresses this should not be on my report all of these names for one person. I asked these companies to send me something with my signature or an original signed contract but the results were the documents I have attached. Also XXXX XXXX was deleted off of my credit report that was reporting XXXX but the CRA is still reporting this XXXX 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 2021-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX phone bill that have been reporting since XX/XX/XXXX to credit report Experian. I have dispute this account with Experian and ask them to provide information on how the verifying the information. I called XXXX and they have no information of this account and why its reporting. I suppose to close on my home now this account is reporting as a charge off for XX/XX/XXXX. The account was originally charge off in XX/XX/XXXX according to old credit reports.

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 2021-04-30
Company: TRUIST FINANCIAL CORPORATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My BB & T Mobile Banking Application does not populate my correct password into the rectangle, via, XXXX 's, password manager ; and, XXXX 's password manager, does NOT, have an option to change my BB & T Mobile Banking Application 's password they have on file. Fact, BB & T and/or XXXX and/or XXXX XXXX XXXX are at fault. 

XXXX audio conversation dated XX/XX/2021, 1711 hours, parties present, Ms. XXXX and Mr. XXXX. Paraphrased events follow : ( 1 ) Envision in your mind turning on your telephone ; ( 2 ) pressing with your index finger, the BB & T online banking application ; ( 3 ) trying to type in your password ; ( 4 ) then, all the sudden, a rectangle appears on the screen blocking your ability to enter your password in like you always have ; ( 5 ) then, envision the rectangle denotes the BB & T symbol, and, the XXXX Symbol, U and G, respectively ; ( 6 ) you say to yourself, well, I don't feel well, this random rectangular interface has appeared, and I don't know what to do, I just wan na enter in my password like I always have ; ( 7 ) then, you say to yourself, ok, I'll press the auto-fill button, particular to the password ; ( 8 ) then, it fills the rectangle ; ( 9 ) then, it does NOT proceed to the next screen/my accounts ; ( 10 ) then, you say, ok, dah I dunno, I am a XXXX, I will try the " manage passwords '' option logically, instead ; then ( 11 ) you see ZERO options available for review, then you realize, the BB & T password MUST be wrong, because, the telephone did NOT proceed to the next screen, confer clause 9 above ; ( 12 ) then, you call BB & T ; ( 13 ) then, you speak with one Ms. XXXX ; ( 14 ) then, she says, it should work ; ( 15 ) then, you say to yourself, well, I better call the feds, because, I catch people EVERY SINGLE DAY, SAYING ILLOGICAL/UNREAONSBLE STATEMENTS WHEN I CALL THEM AND ASK THEM FOR THEIR HELP, PARTICULARLY, BANKS, COMPANIES, COURTS, ET CERTERA, IT'S A FACT, PAUSE, RED-HANDED.

End of message.

Note : The purpose of this complaint is to alert the authorities that ( a ) I, XXXX XXXX XXXX, am a genuinely nice man, a novice mathematician, and a life-experienced courtier, specifically, sixteen hundred plus hours ( 1600+ ) of superb legal research and subsequent work product, ( b ) a bleeding heart rhetorically, and ( c ) a man who misses his mother and father! Please make sure that ( i ) BB & T Bank modifies my BB & T banking application on my telephone so it interacts with me in a logical manner, and, ( ii ) ditto all other applications indefinitely. Last, genuinely respectfully, thank you for reading my complaint ; please help. 

Note : The BB & T Mobile Banking Application lowers the quality of my life.

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