BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I would like to bring to someone 's attention a scam being perpetrated by Synchrony Financial. In my case the bank requires payment by the XXXX of the month. I receive my paycheck on the first of the month and pay my bills at that time. As a result, on several occasions, I paid my bill before receiving the hard copy of the bill from XXXX. This has caused my account to accrue late payments ( for early payment ). How can someone receive a late payment for paying early? 

As a result, I contacted the bank and was advised that the bank 's computer system does not have the capability to accept payments between the XXXX the XXXX and apply these payments to the current month. As a result, a late fee is applied. I was advised to make payment after the XXXX and before the XXXX ( due date ) to avoid late payment fees. This computer glitch causes honest consumers to receive late payments. When challenged, I did receive a refund for the XXXX fees below but was advised that only XXXX fees can be refunded per year and that any additional fees will not be refunded. They did not admit to any irregularity with the billing system. 
The question is ; How many other honest consumers are being penalized for early payments and do n't know it? Note : I also have XXXX XXXX account with Synchrony and the same issue occurred.

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 2020-10-06
Company: KEYCORP
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: Information belongs to someone else

Complaint:
I got my XXXX Report on XX/XX/XXXX and 5 fraud charges are on it that do no belong to me and there are some co signers on some..I XXXX   XX/XX/XXXX {$6500.00} KeyBank Home Equity XX/XX/XXXX {$150000.00} XXXX   XXXX CC {$3500.00} XXXX CC {$10000.00} XXXX XXXX CC {$8900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Ray Klein, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in the midst of a divorce and living with a gentleman in Oregon around XXXX. When I left, in XXXX, there was a debt to the XXXX where we lived, but the man with whom I had been living had made arrangements with the XXXX XXXX to remove my name from the account as well as pay the outstanding balance. The balance was much lower than Professional Credit Services ( PCS ) are claiming and was paid in full. 

I was still going by my married name at the time, and it changed only after the divorce finalized just before I moved away from OR. The name on the notice from PCS was my old married name XXXX sort of, they did n't get the entire name completely correct ), not the legal name I have currently. 

That was in XXXX. The first notice I received from PCS was towards the end of XXXX which would put the the debt at over 6 years, which is past the statute of limitations in Oregon. I have written them, and told them that I no longer owe a debt to the XXXX XXXX and that it is past the statute of limitations. I gave them minimal information, and told them to no longer contact me or I would report them. 

I received a second noticed from them in the mail on XXXX XXXX, XXXX 'offering help to pay my debt '. There is even less information in this notice than in the previous notice ( other than various account numbers XXXX. They do not seem to accept personal checks, only credit cards XXXX which I find suspicious ), and they did not heed my request to do further research into the debt they were trying to collect to find that it had been paid off. 

I received the first notice a month XXXX after I was remarried. I find it rather interesting that they suddenly found me after 6 years only after I had married and registered my name in various places by changing drivers licenses over, etc. 

I have lived in XXXX other states since OR, and am finally settled in a third with my husband. It is here they seemed to have found me. 

My complaint is that they are trying to collect on a debt that does n't exist and they are doing it 7 years later. Even if the debt still existed, they would be past the statute of limitations and, unless I am mistaken, this is illegal. 

I am keeping the promise I made to them when I first replied to their notice by reporting them in hopes that they will STOP trying to collect from me and others that do NOT OWE MONEY.

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 2015-11-23
Company: Commonwealth Financial Systems, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Commonwealth Financial Systems, Inc on behalf of XXXX XXXX XXXX is trying to collect an invalid debt. They have been notified and a fraud affidavit provided, but still reported to credit bureaus. This account was removed from my credit reports after previous complaints about other debt collectors ( XXXX, XXXX XXXX ) hired by XXXX. They keep shifting to different collection firms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 XXXX Account # XXXX also XXXX -account XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account an open-end consumer credit plan as late for any purpose.

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 2022-05-17
Company: Chime Financial Inc
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I have tried for XXXX days and repeatedly proven who I am and your unqualified and unprofessional staff are keeping me from my own account and discriminating against customer choices and laughing at customers while on live calls. I am filing with the XXXX, XXXX, and a few other agencies and contacting my attorney general 's office as well as the FTC. XXXX had shut my line off before it was supposed to and was on my way home and needed my cards unlocked. I went through all the verification with the associate, then did as he instructed. After the first email, with personal info, then the next email wanting more information provided it as well, then another and added a picture then it was the editing then not sent from the right email/ over and over .. Then after all information was given all questions answered and being laughed at by your employees Still nothing and can't get in my account. will be posting this experience online here at XXXX to warn consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Investigation took more than 30 days

Complaint:
I sent a complaint with TRANSUNION regarding account discrepancies on my account that were not valid. I sent the complaint 30 days ago, on XX/XX/2022 and transunion failed to reply within the 30 days. According to the FCRA, that grounds for removal of those items on my credit. 

The accounts are XXXXXXXX XXXX XXXX  # XXXX, XXXX XXXX # XXXX, XXXX XXXX  # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am having a problem with Synchrony Bank. I saw that they are reporting an account with JCPenny on my credit reports. I have written to them multiple times asking them for evidence bearing my signature that shows I have or ever had a contractual obligation to Synchrony Bank or JCPenny. I have not received anything that I requested and it is still being listed on my credit report from all XXXX of the Credit Reporting Agencies.

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 2017-01-06
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
The information that I used to sign up was put on the dark web. Surveillance was used to steal my belongings.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I spoke with XXXX from USAA on Monday XX/XX/2020 & she told me she would expedient my money to me this week. I forgot to ask her if she could overnight it to me. She hasn't returned my call and it is now XX/XX/2020. It's just downright cruel to do somebody not to let them have access to their money but to close it when it's on payday! I will make sure to let my friends and family not to do business with usaa! due to their cruelness!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-06
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/2020 we completed a refinance of our primary residence. Mr. Cooper, our old mortgage company, issued a payoff statement dated XX/XX/2020 to our title company, XXXX XXXX XXXX. On the day of closing, XX/XX/2020, Mr. Cooper paid our Homeowners Insurance from our impound account. There was a {$230.00} shortage in our impound account and the Title Company 's payoff wire transfer was refused by Mr. Cooper for this reason. We were contacted by the Title Company on XX/XX/2020 and advised to contact Mr. Cooper and pay the {$230.00} shortage so that the wire transfer could be accepted. We contacted Mr. Cooper on XX/XX/2020 and agreed to pay the shortage from our checking account that we were already using for our auto payments of our mortgage. XXXX XXXX, the Mr. Cooper representative completed this transaction over the phone, telling us we were paid in full and that this would take care of the shortage ( we have an audio recording of this phone call, and we received their permission to record the call. ) We were contacted on XX/XX/2020 by XXXX XXXX, Legal Counsel at XXXX XXXX XXXX XXXX, saying that the wire transfer had again been refused. We contacted Mr. Cooper and were told that the payment was never received and that we are now responsible for late fees and that we are delinquent on our mortgage payments with them, resulting in thousands of dollars. We have been back and forth with Mr. Cooper on multiple occasions, along with XXXX XXXX XXXX. Mr. Cooper has returned the wire transfer payoff at least 4 times to XXXX XXXX XXXX and XXXX XXXX XXXX keeps sending the payoff back to Mr. Cooper. We have escalated this issue to the Research Department at Mr. Cooper, and then the Customer Relations Department at Mr. Cooper, but from the latest response we received dated XX/XX/2020, we are more confused than ever. Mr. Cooper has obviously refused to listen to the recording from XX/XX/2020 when we agreed to pay the shortage. In paragraph 4 of this letter they say " our records do not reflect the amount of the {$230.00} that you stated you paid to XXXX XXXX. '' We authorized to pay this amount to Mr. Cooper, not XXXX XXXX XXXX. If they would listen to the phone conversation, they would realize this. We have 2 loans on our home, we are thousands of dollars behind due to penalties and interest on our old mortgage with Mr. Cooper, and no one at Mr. Cooper is able to understand what has transpired to bring this to a satisfactory resolution. We have attached the audio recording from XX/XX/2020, which clearly states that they had taken the payment of {$230.00}, reported to us by XXXX XXXX XXXX, from our checking account that would satisfy the escrow shortage. We have also attached the XX/XX/2020 letter from Mr. Cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: TCF NATIONAL BANK
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Received phone call from XXXX XXXX XXXX ( XXXX ) and told that they were attempting to collect debt from bad check from 2002. Representative had the last XXXX of my SS # and my address. I was told that with fees and all, I owed {$350.00}. I asked if there was an office I could come to and pay and was told there was not. I asked where I could mail in a money order and was told I had to take care of it over the phone and if I did not legal papers would be filed and lawyers would get involved. I stated that I was not comfortable giving any account information over the phone and was told that I could call with a pre-paid credit card and pay that way, and I could settle the debt today for {$200.00}. I was also told that after I settled the debt, I would be mailed a letter stating that the issue had been resolved. When I asked for a case number I was told the system had just crashed and I could call back later for the number.

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 2016-01-12
Company: TCF NATIONAL BANK
State: UT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have paid my line of credit with TCF in XX/XX/XXXX. I called and asked for my account to be closed. I was told that I need to sent a fax, which I did. However, I had a servicing fee of {$50.00} assessed on XX/XX/XXXX for a balance of XXXX during XX/XX/XXXX. I called again and I was once again asked to send a fax. I did send a fax together with the following email ( to XXXXXXXXXXXX XXXX XXXXXXXXXXXX XXXX ) : **** email copy***** Dear TCF representative, I, XXXX XXXX XXXX , would dlike to close my account XXXX. I have paid my loan and do not need the credit line anymore. I would like to ask ( per my conversation with XXXX customer service representatives ) that the assessment fee of {$50.00} be retroactively removed. 
Thank you very much and kind regards, XXXX XXXX PS The above was the text in the fax I sent on XX/XX/XXXX. I am not sure why things did not go through ( I do have the fax being successfully sent receipt ) **** end of email ***** Now I have a new charge in XX/XX/XXXX, once again of {$50.00} ( which they draw against my debit card with the threat that if I do not pay, I 'd have my credit score affected ). My balance continues to be XXXX as I have long repaid my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I filed a dispute on equifax on XX/XX/XXXX and the results came back on XX/XX/XXXX. The account i disputed was supposed to be deleted and is still showing on my credit report. I called equifax to find out why and they told me the " lender won't let them delete it '' after they investigated and came back with the results to delete.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: Ditech Financial LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a mortgage with Green Tree Servicing LLC. 
In XX/XX/XXXX my house was going to be foreclosed. I was told that I needed to raise {$62000.00} to keep it. I had to sell everything I had and borrow money from friends and relatives to get that money. I was told this was going to cover everything, including attorneys fees, late fees, escrow negative balance, taxes and everything else. After I sent in the payment, they raised my mortgage payment from {$810.00} to over {$1500.00}. I was told it was raised due to escrow. I asked them why was I being charged for escrow when I had paid for it. They responded that the {$62000.00} all went to interest and there was not enough money to cover escrow. 
XX/XX/XXXX I received I letter stating that I had paid {$40000.00} in interest. I called Green Tree and asked where were the other {$22000.00} I paid in XXXX, also where did the other XXXX payments of {$1500.00} during the year of XX/XX/XXXX go to. I never received a clear response. I hired an attorney and they sent us an incomprehensible statement which did not add up to all the monies paid. We asked detailed information that stated exactly how much went to interests, how much went to fees, how much went to the principle etc. Their response was that they did not have that information available for us and that was it. My concern and plea for your help is to find out where that money went to and also why did they lie to me about the escrow. Why am I now paying over {$1500.00} a month on a mortgage that is {$90000.00}. Now I am again behind on my payments and again with the threat of loosing my house. What do I do?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: Innovis
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
To whom it may concern i am having the worst experience ever, of all my years of having knowledge of A Credit Report agency and disputing i have never been so insulting like this in my life .i would expect this from a big major credit reporting agency but this UNKNOWN NON NAME BRAND company has push me to the max with insulting my intelligence .I so requested a consumer report i received it found things that were wrong i disputed them with a disputed letter then i was received my completed disputed with a letter attach to basically violating my rights. if you read the attached Document you would then understand my concern, them Admitting that the accounts or not verified legally

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: EQUIFAX, INC.
State: TX
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: Investigation took more than 30 days

Complaint:
Hi my name is XXXX XXXX. I have never done business with XXXX XXXX XXXX XXXX XXXX neither am I liable. I do not have a signed contract nor any type of contract with XXXX XXXX XXXX XXXX XXXX. I have the right to demand and see the contract between XXXX XXXX XXXXXXXX XXXX XXXX and myself! Please send the proper validation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: WELLS FARGO & COMPANY
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
My complaint stays the same. Wells Fargo violated Wisconsin Consumer Act laws when they illegally and unlawfully repossessed my vehicle. Violating Wisconsin Consumer Act 425.206 ( b ), 425.206 ( a ), 425.206 ( 1 ) ( d ) Wisconsin Consumer Act under 421.301 ( 25 ). 

Wells Fargo damaged, reported negatively after the filing of a chapter XXXX bankruptcy, added unnecessary CPI insurance on my loan, and continues to try to cover up their multiple errors made on my loan file which caused a calamity in my life. I will continue to submit complaints as I continue to fight regardless of if the CFPB is just a posting place. Thus far, I have not seen the need for the XXXX, but I will continue building this platform with complaints. My consumer rights will not continue to be violated.

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 2016-11-25
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Sometime ago I had car insurance with XXXX, I had this insurance for about 2 months and then I decided to cancel my policy by phone, which XXXX recently told me did not happen, when I know I spoke with a XXXX agent to cancel it. I recently spoke with a XXXX agent and this agent asked me why I cancelled, even when this person at first claimed that they did not have a recorded call of me cancelling my policy. 

I told this agent that the reason why I cancelled was my choosing and an explanation from me as to why I cancelled was my business. 

Just yesterday, XXXX/XXXX/2016 I see that

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