BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
COMPLAINT RE : SYNCHRONY BANK This is a complaint against Synchrony Internet Bank for holding onto account funds for an excessive amount of time ( two weeks ) in a high-yield saving account after request to close the account. 

On XX/XX/XXXX, I opened an account with Synchrony Bank and deposited {$270000.00} ( XXXX XXXX XXXX  XXXX XXXX dollars ). 

On XX/XX/XXXX, I attempted to close the account through Synchrony 's website and re-wire ( via ACH ) to my originating bank. This option was not available. 

On XX/XX/XXXX, I called Synchrony Bank 's customer service representative and was told I was not allowed to wire more than {$100000.00} and must wait a week before wiring another {$100000.00}. The representative agreed to overnight a check to me. 

After six phone calls and excuses made about an " internal bank mistake, '' the funds were finally wired to my account on XX/XX/XXXX, two weeks after my request.

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 2022-06-12
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This company showed up on my credit. I went through a very hard time, few of my family members passed away in a very short time of each other. And I lost my job. I fell behind on some of my bills. I did however keep every bill/bill collection I got. I looked through and I never received anything from midland credit. I tried to dispute this on credit bureau sites stating they didnt send me proof I owe the debt, not did they send me my right to dispute. 

I want all the documentation they have on this debt, that they own the debt and I owe the, the money stated. I also believe the balance is way off. The statue of limitations has expired on this debt as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-17
Company: Senex Services Corp.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Senex Services based in XXXX, Ind have been reporting a {$600.00} medical collection on my reports to all three bureaus since XXXX. As of XXXX of XXXX, When I pulled my credit reports, I disputed said collection account and have not received verification of any masternote that contains my signature or any document for that matter with my handwritten signature. Everytime I try to verify with senex of said debt, they refuse to provide documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
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:
BANKAMERICARD Why was the minimum payment of {$53.00} ( XX/XX/XXXX ) increased to {$210.00} ( XX/XX/XXXX ) in one month with no corresponding increase in purchase/charges and with no explanation? 

BANKAMERICARD was contacted via chat with no relief offered or granted. 




Month/Year Minimum Payment Required PER BankAmerica XX/XX/XXXX {$58.00} XX/XX/XXXX {$57.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$56.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$55.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$53.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$280.00} XX/XX/XXXX {$270.00} XX/XX/XXXX {$210.00} XX/XX/XXXX {$260.00} XX/XX/XXXX {$310.00} XX/XX/XXXX {$360.00} XX/XX/XXXX {$410.00} XX/XX/XXXX {$460.00} XX/XX/XXXX {$510.00} XX/XX/XXXX {$560.00} XX/XX/XXXX {$610.00} XX/XX/XXXX {$680.00} XX/XX/XXXX {$730.00} XX/XX/XXXX {$800.00} XX/XX/XXXX {$870.00} XX/XX/XXXX {$940.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$1100.00} XXXX {$1100.00}

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 2018-12-01
Company: Ditech Financial LLC
State: LA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I called Ditech about 1 month ago. 

I told them that I wanted to drop my Private Mortgage Insurance ( PMI ). 

They wanted me to Write Them A Letter. 

They will not talk to me about this on the Phone. 

They finally gave me an email address that I could send them an email. 

I emailed them my information and told them I wanted to drop the PMI. ( you can do this after you have had the loan for 2 years ). I have had the loan for 3 years. 

They denied my cancellation due to the fact that I did not send them a Authorization For Appraisal. 

It has taken 2 weeks for me to be denied be cause I did not send them a Aurthorization For Appraisal. ( I had no idea that I needed a Authorization For Appraisal Form and no idea of where to get one ). 

My complaint is this : We live in the 21st century. Every other department that Ditech XXXX has, you can talk to a representative. 
However, to drop your PMI, you have to use Stone Age communication. They do not freely give out an email address to the PMI department. You have to threaten to contact the Insurance commision or the Federal Trade Commission to get an Email Address. They should be made to have a phone number for the PMI department and personnel experience with PMI answering that Phone Number. 

I have sent the Authorization For Appraisal Form to them by Fax and mailed a letter to an address in South Dakota that they gave me and I did get an email address from a lady at Ditech, but I am not sure if the email address is actually to the PMI department. 

This is unfair to the consumer : If you want to pay them money, they will gladly give you a hotline to call, but, when they legally have to allow you to drop PMI after 2 years if you owe less than 80 percent of the loan. They will Not talk to you on the phone. They make it very difficult to communicate with them about removing PMI from your Loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: AZ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
XXXX XXXX XXXX, who used XXXX XXXX, and then is using Law Offices Blatt, Hasenmiller, Leibsker & Moore - who continue collection actions after a debt has been discharged by the XXXX XXXX XXXX XXXX XXXX ( XXXX, XXXX # XXXX ). My husband received a community discharge from the court in XXXX 2017 -- - As you may know, XXXX is where my husband lives and works and XXXX where I reside they are both community property states. In these states, property, and debt acquired during the marriage is considered the joint property of both spouses. As a result, in community property states, we each are entitled to a one half-share of all marital property and equally responsible for all community debts, also known as marital debts. When the Federal Judge closed my husbands bankruptcy case, and since we both reside in XXXX and XXXX, we are automatically protected by what is known as a community discharge. Which means that if we received a community discharge, even if my husband filed alone. The debt that was acquired during our marriage either in our names or my name or his name that discharge extends to me as well. Creditors such as XXXX XXXX are prohibited from attempting to collect the debt from me since I share 50 of the marital property, both presently and acquired in the future. Even after XXXX has received many notices, and a notice from XXXX and the FDIC - they continued to send me invoices during the bankruptcy automatic stay. This community discharge only lasts for the life of the marriage. Please see section 524 of the Bankruptcy Code.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-04
Company: Radius Global Solutions LLC
State: NY
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:
I call XXXX XXXX and they told me at one point the dept that I owe was XXXX, they will settle my account with me for half the amount that was owed. And when I was able to pay my dept. I had reached out and they told me that the dept has been forwarded to a collection agency. The collection agency then said I owe over 15,000. I told them that the account amount was incorrect and I have proof, which is XXXX. a letter from XXXX stating what I owed. they then told me to send them a picture of the letter that I had. ( Which I did ) they then call me back after two days saying that the vehicle has not been sold for the amount that they where looking for that is why the dept went to XXXX I then made arrangements with the collection agency to settle the matter and have it deleted from my credit report. And once they receive the funds. I received a letter from the collection agency, saying the dept was satisfied. But the dept was not deleted from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I had put a freeze on my Equifax credit report due to fraud I was given a pin to access my credit report or to temporarily lift the freeze I am not able to log in so I called the Equifax customer services to talk to someone who prior had ask me to send a copy of my ID and proof of address which I had done 3 times since all 3 times they claimed was never received. I even offered to give them my pin for my report but they would not accept a pin they gave me. To make a long story short Equifax is denying me of my credit report o line and a right to lift the freeze off my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: Credit Karma, LLC
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
On average I have called them 4 times a month because XXXX constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Complaint regarding pension check mistakenly deposited in XX/XX/XXXX and still not returned to Fidelity, the Check issuer despite showing as reversed on my Capital One account in late XXXX. I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XX/XX/XXXX. Three financial institutions are involved : Capital One ; XXXX Bank ; Fidelity Investments This is follow-up on four prior complaints for an issue that remains unresolved since XX/XX/XXXX. 
In XXXX I mistakenly submitted a pension check issued by Fidelity Investments to deposit to my Cap One account. Cap one should not have accepted the check as it was made out to XXXX XXXX XXXX XXXX XXXX. 
Within days of realizing my error, I repeatedly called Cap one to reverse the deposit. It took a month of phone calls, but the funds show as reversed from my CapOne checking account in late XXXX. 
The funds have never shown up in the Fidelity account from which the check was issued. 
Over the last months I have repeatedly called Cap One, asked for escalation, called Fidelity, Called Cap One with Fidelity and escalated the problem, including filing four prior complaints with CFPB. 
Each time, CapOne insists the funds were sent to Fidelity, and each time I check with Fidelity, they have no record of the funds coming back to the Fidelity account. 
In the last correspondence dated XX/XX/XXXX from Cap One they gave tracking details on the funds but maintained for the first time that they have sent the funds to XXXX Bank, who they claim act as transfer agent for Fidelity. 
I have called XXXX Bank repeatedly and been told that they will not deal with me as I am not a customer of XXXX Bank. 
I have called Fidelity numerous times and been told that the funds have not been returned to Fidelity and that they consider the matter closed as they see a check being cleared to Cap One and no funds being returned. 
Thus, I have been without over {$3000.00}. of my pension funds, which should have been rolled over to a 401K account, since XXXX. 
I have wasted hours in phone calls, emails, and complaints, and still the funds are not only not in my 401K account, but they are also no longer in my checking account. Each financial institution tells me to contact one of the other ones to resolve the issue. 
At this point, I request that knowledgeable representatives from each of the three institutions involved join a conference call with me and a representative of CFPB in order to resolve the matter. 
I also believe I should be reimbursed for the time involved in resolving this matter, which dates to XXXX. 

Prior complaints : XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX account # XXXX XXXX XXXX XXXX account # XXXX XXXX  XXXX  XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A states that I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions

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 2020-01-07
Company: Dovenmuehle Mortgage, Inc.
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I purchased my home ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) in XXXX, XXXX for {$330000.00}. I remodeled the home and have a mortgage balance of {$300000.00}. The current market analysis values the home at {$390000.00}. Homes that are the exact same model as mine have sold in the last 90 days for amounts of XXXX and higher. The lender is requiring the home to appraise at {$410000.00} basing PMI off the purchase price. I have never been late with a payment. I would like this to be addressed with Dovenmuele Mortgage XXXX. The purpose of PMI, as I understand it, is to insure the lender should a foreclosure be necessary up until 80-20 is met. I am well beyond 80-20 and seek assistance. 

Anything you can do to help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-26
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I had an account with Citizen 's bank for years. I was hit with numerous overdraft fees of $ XXXXtransaction and {$30.00} each sustained negative balance in XXXX, XXXX, and XX/XX/2021. Every time I had a fee hit, I had a positive balance in the account, it would deplete my account into the negative, and eventually was unable to continually argue with he bank about these fees, and I was left with a negative balance. All of these overdraft fees amounted to {$870.00}. The account was closed by they bank, and I have been left to repay the fees monthly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-22
Company: Experian Information Solutions Inc.
State: UT
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 account with XXXX XXXX was disputed on mine and my husbands credit report with all 3 bureus as well as XXXX XXXX ... This was disputed multiple times as no knowledge and to validate proof of debt. XXXX and XXXX verified this as not our account and that the company did not respond within the time frame. Well with Experian they came back and said validated. This was not investigated by Experian and they just came back and said validated. We never got proof that this debt is ours and it should no longer be on our experian 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 2017-07-22
Company: EQUIFAX, INC.
State: UT
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:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT
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:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under XXXX XXXX ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

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 2017-07-22
Company: Stellar Recovery, Inc.
State: UT
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:
A new account appeared on my credit with all 3 reporting agencys. The original creditor is from XXXX XXXX. This was previously disputed and deleted from all my reports. It has since reappeared under Stellar Recovery ( XXXX XXXX ). This has now caused my score to drop and it should never been put on. This should be deleted as it previously once was.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-07
Company: Convergent Resources, Inc.
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Hello Im seeing that i have a XXXX account in my name someone used my information too get cell phones and i been trying too dispute since it happen i havent had any luck its dragging my credit down and i wan na try and get it taken off as soon as possible

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 2022-07-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE im dXXXX  now.with no help.

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