BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-23
Company: TD BANK US HOLDING COMPANY
State: MI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I purchased a bedroom set from Loves furniture. When delivered, two of the pieces were damaged. We took delivery on them because we were told replacements would be sent out. A couple weeks later, they filed for bankruptcy and when I went into the store they told me they were not sending anything out anymore due to the bankruptcy and I needed to open a dispute on my charge card. I opened the dispute with TD bank which is issuer of Loves furniture credit card. 3 months later I received a letter stating the case had been resolved and to contact an 800 number for service. When we contacted the number they laughed at us stating they were not offering replacements and to file a dispute. I contacted TD bank again to relay this information but was told they could not re-open the dispute but rather send a message/new note regarding the existing claim. This was around XX/XX/XXXX. I have contacted TD bank several times since then but never get anywhere. There are no updates on the account, and each time I call, I have to explain the entire situation to the representative and they tell me they will send an email. I just recently started keeping notes of the dates of contact. On XX/XX/XXXX, I was told an email was being sent to the dispute center and to call back for an update. I called on XX/XX/XXXX and was told their was nothing on the account. I insisted on speaking with a supervisor ( named XXXX ) who was supposed to contact the dispute center and call me back by XX/XX/20. She never called.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-02
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a QWR to BSI on XX/XX/2016 and have had zero response back. I can not log in to their system to check any balances to make a payment and I have not received a statement from them since XX/XX/2016. I want to pay my loan but they are still not applying funds correctly and doing whatever they want. I call no responses back. I write letters and emails and no response. They are clearly violating Respa and CHBOR. I want to answers and access to my account online. I want my loan and XXXX I sent them to be applied correctly. The fees that they were trying to say from previous lenders have all been disputed and XXXX also sent them statement that I owed nothing and still saying XXXX. I have sent copies of payments to them and still lying. I want this cleared up and to pay my bill online. I have never had any servicer go to lengths to never send out statements, block online access and no response. All Illegal and also copying lawyer and Attorney General so there is proof of every violation. This will be taken to court as these violations have financial recourse for BSI to pay me. I can make my payments but it seems they do not want me to.

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 2015-04-01
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Privacy

Complaint:
To whom it may concern, Only after weeks of using my new Wal-Mart master card was I given the option to opt out of personal information sharing including : Social Security #, income, account balance, payment history, credit history and credit scores. According to the supervising operator at the wal-mart credit card call center my personal information had already been shared. Furthermore, the letter informing me of my rights was apart from my billing statement. Seemingly hidden between some flyers in the same envelope. I almost threw it in the recycle bin without seeing it. If this is not illegal it certainly appears to be an attempt to deceive me and disseminate my private information without my permission. Thank you for your time and effort. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, XXXX I opened an account with SunTRust Bank with an offer in witch they offer me a reward of {$250.00}. The terms and conditions where : earn {$150.00} by depositing at least {$100.00} within 14 days of account opening and completing at least {$500.00} in Direct Deposit within 60 days of account opening. 
And earn an addition {$120.00} by continuing to maintaining at least {$500.00} in monthly direct deposits until XXXX XXXX XXXX. 

I did completed both requirements for the offer. I never got any reward from them. 
Since XXXX XXXX I been going to the branch where I opend the account and talking with the manager XXXX XXXX XXXX, phone number XXXX she has n't been able to get my reward. We submitted a complaint with Research contact center, and a lady call XXXX XXXX XXXX extension XXXX, call me on XXXX XXXX, XXXX and told me that they made a mistake and that i was supposed to get my {$250.00} reward in 4 weeks ( XXXX XXXX ). 
Today is XXXX XXXX, and I have n't received my reward, XXXX is not returning my calls. I do n't know what else to do! 
I really hope you can help me to get my rewards so I can close my account and never again doing business with SunTRust. 
Thank you XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-12-31
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being charged for a medical bill that should have been covered through XXXX, however the bill was never submitted to my insurance company. I was never contacted by the hospital about the bill, and was only notified recently after the hospital sent the bill to collections, and now I owe a debt that I should n't have been required to pay in the first place.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-23
Company: Experian Information Solutions Inc.
State: AL
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 am trying to verify I was successful in placing a credit freeze on my Experian credit report. I tried to log in to my account several times and was always met with a page that said something went wrong. A phone number is provided on that page which you are instructed to call XXXX. When I tried to call I could only get automated responses and the company would simply not connect me to a representative and in fact the automated system hung up on me. I have tried several other numbers all returning me to the automated system. Simply put there is absolutely no way to get a human being on the phone to work through a problem that clearly their automated system is not set up to handle. I need help reaching a person to get this rather simple thing done.

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 2016-04-20
Company: Bliksum, LLC
State: WI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The company offering the Loan is LoanME inc. I entered into an agreement with them XX/XX/XXXX, after making a payment in XX/XX/XXXX I was unable to pay for the payment in XX/XX/XXXX due to losing client business. I restructured the loan in XX/XX/XXXX to lower payments and entered new terms. The company continues to report on the old terms to XXXX but had marked payment in XXXX XXXX and In XXXX XXXX as current. 

I unfortunately missed another payment XX/XX/XXXX, and had to renegotiate the terms again ( this company offers interest rate over 100 % for life of your loan and much higher if you take loan to term ). 

When I missed the XX/XX/XXXX payment, the company advised me that they were now going to reverse the " current payments '' XX/XX/XXXX and XXXX XXXX as missed. They suggested they are allowed to do this bases on there legal contract. The company now has marked my credit 30 days late in XX/XX/XXXX, 30 days late in XX/XX/XXXX even though I made the agreed upon payment, 60 days late in XX/XX/XXXX even though I made they agreed upon payment, and 90 days late in XX/XX/XXXX. ( payment was only 30 days late ) The company practices extremely deceitful and unfair credit reporting on XXXX and takes away your on time payments even though I paid them on time on there new agreed upon terms. This company should not be allowed to report to a credit bureau and is not looking out for the best interest of the consumer and practices unfair and deceitful credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: SYNCHRONY FINANCIAL
State: IN
Product: Credit card
Issue: Other

Complaint:
I paid {$2000.00} on a balance of {$2200.00} on my AE Synchrony Bank credit card on XXXX XXXX, 2016. It has been 8 days, and my available to spend is still {$0.00} dollars. 
I am being punished for paying my card balance off each month. 
I have been making large electronic payments twice a month, every month. They have always posted the payments the very next day, and cleared my Checking account the next day. This time, however, they are holding the payment for no apparent reason - even thought it shows they received it on XXXX/XXXX/16, and also cleared my checking account on XXXX/XXXX/16. When I spoke to them on XXXX/XXXX/16, they had no explanation as to why, and they refused to help me. As of today, XXXX/XXXX/16, I still do not have this available credit.

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 2016-01-02
Company: 21ST MORTGAGE CORP.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have a mortgage loan with 21st Mortgage that includes impounds for taxes and insurance. We received notification today ( XXXX XXXX, 2016 ) from XXXX XXXX that 21st Mortgage failed to make the insurance premium payment, and that it is due in full ( {$620.00} ) on XXXX XXXX, 2016. They stated they sent the policy renewal bill to 21st Mortgage 45 days ago, but have not received any response. I attempted to call 21st Mortgage, but they do not have any representatives available on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
SYNCB/LOWE 'S DC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, GA XXXX Phone : XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify SYNCB/LOWE 'S DC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : SYNCB/LOWE 'S DC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL 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 2015-08-12
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Other

Complaint:
XXXX and Transunion have reported this incorrectly. The statue of limitations in Ohio ( where the debt began ) has run. This needs to be taken off my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: SYNCHRONY FINANCIAL
State: OK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I used a credit counseling service called consolidated credit. They made arrangement 's with Sam 's Club credit to lower my interest and my payment. It has taken to long to pay off so I dropped consolidated and called Sam 's to continue the agreement or to work out some other agreement so I could pay the bill myself. They would not deal with anything and my interest rate has been raised to a high rate and so has my payment. I have never missed a payment. I also have several other accounts with Synchrony Bank. They only work with credit counseling not their customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
an account that does n't belong to me is reporting on my credit, even though, I previously disputed this and it was corrected, it is now on my report again XXXX which might have to do with my ex-husband marrying a girl with the same first name as mine )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My complaint is against Synchrony Bank. I had obtained a new central heat and air conditioning system through a local company of XXXX and financed it. XXXX arranged for the loan through Synchrony Bank and payments of {$640.00} per month were handled through an account titled " HOME DSGN XXXX '' and were withdrawn directly from my bank account with XXXX XXXX. The loan was scheduled to be paid off in XXXX of 2016. The withdrawals of {$640.00} per month ended after XXXX, as expected. However, new withdrawals of {$35.00} per month started. At first, I assumed that there must have been a small carry-over of some type, but the withdrawals of {$35.00} per month continued. I called XXXX to ask why they were continuing with these withdrawals, and they said that they did not, that my account was paid off. I asked for a telephone contact with Sychrony Bank, which they gave me. I called several time and was never able to get through to anyone. In XXXX of 2016 I went to XXXX XXXX and asked to have the withdrawals stopped, which they did. In addition, they pulled back the payments that had been made. 
I received a letter from Sychrony Bank, dated XXXX XXXX, 2016 acknowledging the cancellation of the automatic payments and indicated that I would now be responsible for making my own payments by mail, plus the late payment charges. On XXXX XXXX, 2016, I sent a hand written response, indicating that I found the charges fraudulent and that XXXX reported that they had not authorized any collections. In addition, on XXXX XXXX, 2016 I sent a certified letter to Sychrony Bank, utilizing the process that their bills posted as the method of challenging amounts due ( copy enclosed with this complaint ) ; I also asked for an acknowledging that they had received a letter, in addition to the post card I would be receiving from the certified letter. 
They charged late payment fees of {$35.00} each time for these fraudulent charges, as well as interest and posted a late payment charge on my credit report. The late payment charges for 2016 were {$68.00} and interest in the amount of {$56.00} ( according to their bill ). According to their bill and the information from their customer support, I owed a remaining balance of {$120.00}, which I included with my letter, just to stop the process and demanded an immediate termination of my account with them. 
I have never received a response to my letter nor a confirmation of the cancellation of my account with them. I did receive an email, indicating a balance of XXXX, but no comment about my request that my account be closed, and no mention of any refund of wrongfully collected funds.

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 2016-04-29
Company: Asset Management Outsourcing, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
National Recovery Service is reporting an XXXX debt on my credit report that is erroneous. I had a medical bill from XXXX XXXX that was paid in full, and I am attaching documentation as proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Unauthorized transactions/trans. issues

Complaint:
American Express Serve has stolen {$400.00} from me. 

I had a {$400.00} balance on my account when it was closed. I was sent a refund check. 
I accidentally deposited it into the wrong account, my brothers bank account. It was returned unpaid. 
I then deposited it into my account in my name. It was rejected. My bank told me the first incorrect deposit has flagged the check, and I needed to get it reissued. 

I contacted American Express Serve many times to get the check reissued. They will not reissue the check because they claim it has already been cashed. However it has not been cashed, I do not have the money, and I attached proof the check was returned unpaid. 

I have called American express many times and gotten no resolution. They still have my {$400.00} and the representative even blamed me, saying it was my own fault. Does that mean they can just keep my money then? They have stolen the {$400.00} from me. This is criminal. Please investigate this

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
Amex recently had XXXX offer on their website. However, this offer ca n't be added to my card due to their technical difficulties. I called them to solve this problem. I call them twice and chatted twice. 
First call and chat happened at XXXX, they told me they would call me back with a solution in 24-48 hours. 
Second call and chat was made on XXXX and XXXX receptively, dial rep promised this had been escalated and would return to me in 24 hours. I waited 24 hours, no call back. Then I chatted with online rep and she promised would note their end and call me back in 24 hours. Till now, still have not hear any response! 

The key point is Amex reps kept promising their service and they are not any service for me. If an customer promised a payment and did not pay, their collection team would call us million times and bring down our credit score. Vice versus, If A creditor keep promising but does not do anything, how do we protect customer ourselves? NO! can we de-credit them? NO. I hope CFPB can step into this salutation. Please stop allow any disparate between a customer and a company!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my bank account at HSBC & was told on the phone & sent a letter saying it was closed with a balance of zero. I noticed a late charge from them on my credit report & called. They said they would fix the issue since it was their fault for including a sneaky {$10.00} charge on the account after I closed that then turned into a bigger XXXX from late payments. I never received a letter or call saying that I owed them & I could n't check the status of my account online since it was closed. They did n't resolve the issue & it was then 60 days late. I called again & was assured they would fix it & then it turned into a 90 day late payment. They finally resolved it but never would take that mark off my credit score. I filed a dispute with them through XXXX XXXX multiple times but the late payments remain on there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-23
Company: AES/PHEAA
State: ME
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
My complaint is with XXXX  and fedloan servicing. I was told that I had to make monthly payments of about XXXX dollars a month and when I couldn't pay they continually told me to go into forbearance. I asked about public service loan forgiveness- I work in healthcare. No one attempted to help me. This was XXXX On my own I did get started on the public service loan forgiveness. Flash forward to now. XXXX They have a bunch of payments that are said not to count I think 17. This is because they pushed forbearance. When actually they could have told me to just pay the payment late and it would count. So, they keep pushing my forgiveness date back.

Company response to consumer: Closed with non-monetary relief