BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-04
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Before loan closing we were told we would get a refund check of {$5600.00} for the balance of overpaid taxes we had made in escrow on original loan. The closing doc did not indicate our refund because I was told when I verbally questioned it with underwriting dept rep that the taxes had not been paid yet so it had to show due on the closing statement and we would get the refund at closing for the difference. I also indicated in email communication with closing dept rep that I did not understand why we were being charged twice and she told me we were not and this was correct closing information ( but it wasn't in the end ). We never received the refund we were promised. Instead U.S. Bank paid the taxes twice with the money. The overpayment was returned to US Bank on XX/XX/XXXX by our local county tax department. I was then told by U.S. Bank on XX/XX/XXXX that they had received the refund back and it was sitting in the account to be dispersed to us and that we should have a refund check within 5 - 7 business days. We did not receive it so I called back on XX/XX/XXXX and was told the same thing again. Still did not receive the refund check within 5 - 7 days as promised. I called back a third time on XX/XX/XXXX and was told it would take another 45 days to process which was a different story from the previous two rep conversations. We do not believe it is moral or fair for US Bank to hold our money for so long when we should have receive the refund back in XX/XX/XXXX at closing or shortly thereafter as promised. In the meantime, we are being charged interest on this money as it was financed as a part of our second loan. Also, we are being charged additional funds in our escrow account for the taxes for the new year. So in summary, we are paying 3 times for these taxes plus being charged interest in the new refinance loan on our own money we paid into escrow in original loan in XXXX. In other words, first, we paid one year of tax money in original loan escrow in XXXX and taxes were paid to county in XX/XX/XXXX. Second, the money was withheld again in our refinance loan closing in XX/XX/XXXX and we are being charged interest on the money they owe back to us! Third, US Bank is collecting additional tax money in Escrow monthly on current loan. We can not seem to resolve this with them. We keep getting the run-around and are promised resolution but it never happens. What are our rights for our money being withheld for so long and not refunded to us plus we are being charged interest on it?

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 2020-06-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
To Whom It May Concern : I have contacted the following companies reporting to my credit file and according to them, there has been no communication noted from TransUnion regarding these items. 
I am requesting the Method of Verification used to contact the furnishers and the specific name and number ( please include extension if applicable ) of the person contacted ( An employee looking at their computer screen and matching a name listed in their database is NOT verification or validation of any alleged debt ) ( The previous request not honored ). As the following items can not be verified, please correct status or delete them from the credit file : ACCOUNTS XXXX XXXX XXXX XXXX not mine XXXX XXXX   XXXX XXXX not mine Identification already on file, please notice your internal notes. Please send a complete updated copy of the credit report. Additionally, DO NOT place a fraud alert or promotional block, etc. on my file without my expressed permission.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: CITIZENS FINANCIAL GROUP, INC.
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This year, my account was purchased by XXXX XXXX XXXX XXXX XXXX from XXXX. Citizens now holds over {$5000.00} of mine and I am broke. They claim to have XXXX a debit card to me in the XXXX, where I live, in XX/XX/2022. It never arrived. I have called the bank many times to learn the XXXX tracking number. Their employees can not find it. Without that number, I am locked out of all funds. Because of their poor responses, I am now being threatened with eviction this week for non-payment. 

Citizens Bank offered to give me access to my account if I would visit a branch. They have no branches in XXXX. Their next advice was for me to fly from the XXXX to Rhode Island. Their customer service staff may show a sense of humor, but their efforts are unhelpful and non-responsive. 

The bank seems badly disorganized. They have no on-line chat service. One must call by phone, with wait times of 45 min. All their websites are blocked from here, so all internet access is denied Their technicians can not or will not correct this problem for me and their other customers in XXXX. 

The only way I can address them on line is by sending a FAX. Citizens Bank has only one FAX number and it's usually busy. I have sent two faxes with all the information they ask, but the bank does not respond. 

Their customer service is notoriously terrible. Customers complain endlessly about Citizens Bank XXXX XXXX I think XXXX was outrageously careless of customer trust in selling to Citizens Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX has no right to collect on a debt delinquent from XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. 

I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( XXXX ) on XXXX/XXXX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt, it merely proves that your company seeks to collect the specified amount. 

Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. 


I Request : -Proof that XXXX XXXX Owns the debt/ debt has been assigned. 
-Copy of Statements from original creditor, HSBC . 
-Copy of Original signed loan agreement/ credit card application. 

Furthermore, I challenge the ability to collect a debt which is past the statute of limitations. In order for this alleged debt to be mine, it would have had to become first delinquent in XX/XX/XXXX, well past the statute. Attempt to collect as debt past statue is a violation of FDCPA ( section 809 ) and places XXXX XXXX in a positon to be fined and sued. 


Finally, I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
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: Their investigation did not fix an error on your report

Complaint:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
Complaint sent to Synchrony on XX/XX/2020 for Synchrony 's application of retroactive deferred interest without notification. I have received no acknowledgement or response from the company either in writing or online. {$6100.00} was sent on XX/XX/XXXX electronically and applied to the account balance by Synchrony. The retroactive interest charge has not been removed from the account. 

Complaint sent by letter : " I recently discovered we were charged deferred interest in XX/XX/2020 for a remaining credit amount on a XXXX carpet purchase, account. The interest charge was significant 45 % of the current balance but most importantly I was not notified of the upcoming end of promotional period so that I could pay of the remaining balance. A warning was printed on the statement, but of course I was highly encouraged by Synchrony to sign up for electronic statements which means I never get the actual statement. The monthly bill reminders I receive instead include a minimum payment but make no mention of the ending promotional period. This practice of steering customers to electronic statement and then omitting any promotional balance date information is deceptive and very much in Synchronys best interest. 

I am immediately sending the outstanding XXXX purchase balance of {$6100.00}. I ask that you remove/credit my account for the total interest charge of {$2700.00} added to the balance on XX/XX/2020. There are two additional monthly payments from XXXX and XX/XX/2020 which may result in over crediting the account, these can be dealt with separately. ''

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 2016-04-19
Company: TRANSWORLD SYSTEMS INC
State: IL
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:
I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days, indicating the debt was not owed by me, and it was not valid. I received a XXXX collection notice today, and am filing a complaint. The communication received today also indicated the balance had increased from the initial amount of {$170.00} to today where it is {$230.00}. 

I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt, so that is what I am doing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: MOHELA
State: OK
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I had a private student loan through Mohela back in XXXX-XXXX. In XXXX I reached out to Mohela to discuss payment options. I was having my first daughter and had to put her in daycare so my wife and I could work. I needed to lower my student loan payment to pay for daycare for my daughter. I could not get MOhela to budge. There was no offer of assistance programs, or any discussing on the issue. They needed xx amount of money a month and that was it. I had to default on my loan because I had no other option with my student loan company and they were not willing to help me. I was willing to pay, I just needed to pay a lower amount. Fast forward to XXXX. This loan was taken through the court system and my checks are being garnished every paycheck because of a loan that I tried to pay but could not afford to pay and could not receive any help from the lender. Years later, when they reached out to me when the loan went into final default I still could not get them to budge or provide any payment assistance. This garnishment has affected my family greatly. This loan has affected my family greatly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company ( Portfolio Recovery Associates ) has been sending numerous letters about this debt that I have never owned. I have sent debt validation letters to this company, however they reply with a bill. I sent a certified letter XX/XX/XXXX The responded XX/XX/XXXXwith accounts and the amount owed. The company is claiming I have 3 accounts with them of the amounts {$680.00}, {$490.00}, and {$1900.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Halsted Financial Services, LLC.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been contacted through multiple text messages and a letter by Halsted Financial Services regarding a XXXX XXXX payment. I do not have any knowledge who either of these companies are or have never done business with either of them. Their messages are from various phone numbers and appear to be a credit/payment scam. No inquiry for credit from either of these companies appear my credit reports and I have no delinquent accounts from either of these companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I received a collections notice via USPS stating that this account was in collections. I called XXXX who proceeded to agree with me that this was a fraudulent account but was told there was nothing they could do as it was already in collections. I have tried to contact the collection agency to dispute this, but this has not been successful. This account is for {$4100.00} and is really affecting my credit report as I apply to become a first-time home buyer. Another fraudulent account was also opened in my name with XXXX  and I was able to have that issue resolved.

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 2022-08-31
Company: Experian Information Solutions Inc.
State: NJ
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:
XXXX continues to negatively pull my credit for something I did not do in XXXX. I tried to deal with the issue on numerous occasions but to no avail. I submitted a fraud report through the federal fraud department, because now the police department in my city doesn't physically accept fraud reports. I was XXXX  during the time in question, but XXXX says they can not remove the negative items although I submitted proof of XXXX  from the NJ state parole board and NJDOC. I was XXXX  from XX/XX/XXXX until I was XXXX XX/XX/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 2023-04-12
Company: EQUIFAX, INC.
State: FL
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 am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are 100 percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please remove these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2023

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
On XX/XX/2020 I made a payment of {$1000.00} from my checking account that was cleared and cashed by Synchrony Bank/JCP credit card company. 
On XX/XX/2020 I received my bill in the mail that stated that I never made a XXXX payment, never reflected my {$1000.00} payment, and additional charged me {$56.00} in late fees and added interest to my bill. Calling the creditor they stated they never got the payment and would need proof from the bank that reflected this payment and withdrawal from my account. 
On XX/XX/2020 A Fax was sent to the creditor from myself with all documentation from the bank that was requested proving that {$1000.00} funds was taken out of my account from Synchrony Bank/JCP on XX/XX/2020. Additional I proved the bank branch information if any additional information was needed about these funds taken out of my account. I also called to ensure that the fax came through and that Synchrony Bank/JCP received this information. 
On XX/XX/XXXX I received a phone call at my home from Synchrony Bank/ JCP stating that my XXXX and now my XXXX payment ( Due on the XXXX ) were now OVERDUE and they were demanding payment. After talking to the representative I was told that IF they did except my payment of {$1000.00} ( which they haven't yet ) I would still own them {$690.00}. in total before my bill was paid in full. 
On XX/XX/XXXX a check for {$690.00} was sent in the mail for the full amount in order to pay off my account. 
On XX/XX/XXXX that check for {$690.00} was cashed and cleared. 
On XX/XX/XXXX I talked to Synchrony Bank/ Jcp and was informed that still have not " found '' my payment of {$1000.00} and even if the do find it they I would have over paid my account and they would owe me {$88.00}. I talked to a XXXX XXXX ( A " manager '' who would not give me his last name and requested that I re fax all of my paperwork regarding the {$1000.00} payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-28
Company: DFC Global Corp.
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 have a dispute in regards to incorrect items on my credit report. It has been well over 30 days and I have not received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX, XXXX I obtained a new XXXX XXXX XXXX from XXXX XXXX in XXXX XXXX, MI and during the transaction, turned in my XXXX XXXX XXXX in accordance with my lease agreement. The vehicle had no damage and XXXX XXXX took custody of the keys and secured the vehicle on their lot. 

Approx 1 month later I received a bill from Chrysler Capital for {$940.00} with the only explanation being " Excess wear and tear : Body Damage ''. Upon speaking with XXXX from Chrysler Capital on XXXX XXXX, XXXX I requested a detail of the damages and received same on XXXX XXXX, XXXX. 

The damages listed are from a report taken XXXX XXXX, XXXX ( more than 1 weeks after I turned in the vehicle to XXXX XXXX ) at a location in Ohio ( a different state more than XXXX miles from XXXX XXXX ). The report alleges damage that was not present on the vehicle at the time of turn in. 

Chrysler admitted that they failed to do an inspection in a timely manner ( a week later ) but failed to admit that they drove the vehicle out of state prior to the inspection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-23
Company: EQUIFAX, INC.
State: AR
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:
It has been more than 30 days since my initial dispute and since I've submitted my identity theft report to Equifax Consumer Reporting Agency. Equifax has failed to adhere to the Fair Credit Reporting Act by reporting fraudulent related accounts due to identity theft to my credit file. Equifax once blocked/deleted the rocket loan account # XXXX and as of XX/XX/2020 the account is currently displaying on my credit which violates section 605b. In addition Equifax was was notified via mail and internet with an identity theft report which included two fraudulent accounts Freedom Plus XXXX and XXXX XXXX   XXXX. This accounts currently are reporting as updated which is unacceptable after Equifax has received all necessary documentation on my be half and has failed to provided 100 % accurate verification as per the Fair Credit Reporting Act. It is obvious my identity has been compromised and these accounts are having significant negative impact including denial of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-28
Company: Aargon Agency, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
contacted the original creditor and collections agency in regards to the information being reported and was told that they could not disclosed any information due to a violation of HIPPA.

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