BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-10-12
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
PayPal Credit owned by Synchrony attempted to collect a payment from an unauthorized checking account twice, resulting in insufficient funds fees on both occasions. The PayPal Credit website presents options to choose from where you would like to make a payment to your PayPal Credit account. This list of accounts is pulled directly from the PayPal Wallet linked to the same account holder, which is managed and controlled by PayPal and NOT Synchrony. However, the list presented on the Synchrony website contains invalid data consisting of account and routing number pairs which were NOT " verified '' in the PayPal system. Accounts that have not had their ownership verified through the standard PayPal process ( which I can only guess is covered by their legal terms and conditions ) should NOT be presented as a possible source from which a payment can be made to the outside/separate Synchrony credit account. Because I only expected a single line item for my normal checking account, I chose the option clearly labeled " XXXX XXXX XXXX XXXX checking '' and authorized a single payment, but unfortunately, Synchrony attempted to charge the UNVERIFIED account instead of the usual one, as a result of the bad information presented on and by their website. When this payment failed, another attempt was made, resulting in the second aforementioned insufficient funds fee. Synchrony 's representative claims their institution did not make the 2nd attempt but rather PayPal made the 2nd attempt directly. I do not know, but either entity should have had absolutely no way to attempt a payment against an UNVERIFIED ACCOUNT. While I recognize this is not outright fraud as it would be if some entirely other person made the payment illegally, this issue still clearly needs addressed. This is highly misleading, possibly against their own terms of service, and results in financial damages and hardships for people who don't deserve - average consumers.

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 2020-03-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files.

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 2022-10-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Within the last 2 months, Synchrony Bank closed my credit line due to inactivity. I contacted PayPal initially because that who I originally opened the account with ( PayPal Credit ). They have since turned their accounts over to Synchrony Bank. I contacted Synchrony yesterday and was initially told that it was a part of their terms and conditions that an account be closed due to inactivity. I have not used the account since 2019. I then requested a copy of the Terms & Conditions. I was advised that they were not available to be sent to me. The CS Rep, then said he would review them. When he returned to the call, he stated that the Terms & Conditions did not advise of an account closure due to inactivity. I also want to state that I have 2 other accounts with Synchrony Bank ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ) that I rarely use that are still open. They are credit cards. Companies/ '' Banks '' should not be allowed to make up the rules as they go along. This has impacted my debt-to-income ratio, which, even though the credit line was not high, it did help. Especially in the process of purchasing a home.

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 2016-03-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am in the middle of trying to settle a short sale thru Select Portfolio Service located in XXXX XXXX XXXX, Utah. We have submitted documents that they have asked for on several occasions. They are still working on imaging documents that were sent to them on XXXX/XXXX/XXXX. This is the third time these documents have been sent to them. They are holding up the short sale process since XX/XX/XXXX. In the mean time they have sent me documentation that they are going to foreclosure on the residence. The hold up is them, and they are harassing me daily for items that have been sent to them.i have a court appointed trustee attorney on it and a short sale attorney on this case to get it resolved. They suggested I write this to file our complaint on the incompetence on their part. They are now asking for financial documents that were sent to them in XX/XX/XXXX from the short sale attorney. This will be the 4th time they have asked for it and received the same documents. I do n't know where it goes, but we get verification that they receive it thru e-mail. after a period of time they are asking for it again. These are the collection agency for XXXX XXXX that has the loan on the residence and property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: Admin Recovery, LLC
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
THEY ARE HARASSING MYSELF AND PEOPLE UNRELATED TO AND OLD WIPED OFF DEBT PROTECTED BY THE COURTS AND FCRA ACT. 

THEY USE ILLEGAL TACTICS .... XXXX THEM TO SEE THEIR REPUTATION. THIS BUSINESS NEEDS TO BE SHUT DOWN ASAP
.

THIS IS ONE OF SEVERAL CFPB COMPLAINTS AND NOW THIS WILL BE PUSHED FOR PROSECUTION. MARK MY WORDS

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 2022-10-12
Company: HYUNDAI CAPITAL AMERICA
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
XXXX XXXX ( " Buyer '' ) had made a payment of {$13000.00} to Hyundai Lease Titling Trust on XX/XX/XXXX for the purchase of a vehicle by the VIN number XXXX ( " Vehicle '' ), inclusive of Use Tax in the amount of {$1100.00}. 

However, Hyundai Motor Finance has failed to notify the government that the Use Tax has been paid by Buyer, resulting in failure to complete the title transfer from Hyundai Lease Titling Trust to Buyer, resulting in failure to renew the title of Vehicle. This has led to Vehicle registration being expired since XX/XX/XXXX, in addition to increased title registration fees, as well as legal counseling fees, and Buyer 's own time and effort, resulting in Buyer 's loss amounting to approximately {$5000.00}. 

Additionally, Buyer had contacted the title team for Hyundai Motor Finance 's failure to provide evidence, a XXXX form, to the federal government that the Use Tax had been paid by Hyundai motor finance. Title Team was instructed by Buyer to send the evidence of payment of use tax to the below address on two separate occasions, on XX/XX/XXXX and XX/XX/XXXX, respectively : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX On XX/XX/XXXX, XXXX was assured that the document would arrive by XX/XX/XXXX. The document did not arrive by XX/XX/XXXX as promised. Consequently, Buyer followed up on XX/XX/XXXX for the third time and was assured that the document was mailed out and should arrive by XX/XX/XXXX. 

However, despite the expressed urgency of the request, Hyundai Motor Finance has failed to provide the requested documentation, as of XX/XX/XXXX, resulting in failure to complete the transfer of title since XXXX of XXXX, and consequently resulting in failure to complete the renewal of vehicle registration.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I originally complained about this company on XXXX Reference Complaint # XXXX is attached to this compliant was closed and it was removed from all three of credit burrows. Again The company called XXXX XXXX XXXX has again placed a collections filed and is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4700.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is # XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 462 consumer complaints listed on the XXXX  XXXX  XXXX  'XXXX  website. It is also listed that they are based in XXXX, GA and I have never lived in Georgia in my life. I live in Florida. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. In addition to this None of the documents this company has provided in my original complaint as a response shows my signature nor have signed any contact with National Credit Systems. In addition I have never been serviced any documents for my county or state police department. I aske for this company to provide me with documentation that belongs to me with my own signature of acknowledgement of such account. This is not me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-25
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2015-06-01
Company: Paypal Holdings, Inc
State: MS
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I have XXXX PayPal accounts. PayPal restricted all accounts in XXXX 2014. They were very difficult to reach. When I did reach them, they asked me to send them some information, which I promptly faxed to them. I called them once again, and they told me they would release my money in 6 months. While I was extremely unhappy about them essentially stealing my money for 6 months, I decided to wait it out. Now, it 's been more than 6 months, and PayPal will not give me my money. 

XXXX account is XXXXXXXXXXXX. I has {$180.00} in it. Another account is XXXXXXXXXXXX. It has {$310.00} in it. The last account is XXXXXXXXXXXX. It has {$700.00} in it. 

I would greatly appreciate your assistance in getting my money back. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-10
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I purchased several items from Nordstrom, the company that I have my Nordstrom visa credit card with. I returned some high value items in the mail, which has never been a problem. One box contained over {$2000.00} worth of merchandise. Another contained a XXXX watch totaling {$2300.00}. I have my tracking information that shows the date the first box was received by their agent, which was on XXXX 8over a month ago. The second box has been with their courier since XX/XX/XXXX. Nordstrom always refunded my money to my credit card after 14 days of no movement with the carrier. 
Now, without any prior notice, they told me that I have to wait until they receive the items. That is unacceptable. I can not wait in perpetuity for their Carrier to hand them my returns. This is an issue they should take up with their Carrier and they should not be taking this out on their customers. Not only is my credit score going to suffer because Im not paying them for items that are now in their control, Im also being charged interestits like 20 % interest! That is just unconscionable. I should not be paying interest on items Ive returned to them WEEKS ago. Im sure theyre doing this to other customers. Ive tried to call multiple times to resolve this and even spoke to their supervisor who leads their investigations and financial services. He said they would not refund my money or even stop interest from accruing on amounts in dispute. Consumers should know that Nordstrom is no longer honoring their hassle free return policies and placing the burden on consumers for their incompetent courier services. 

What can I do to stop this?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Was not notified of investigation status or results

Complaint:
Hello so on XX/XX/2022 I mailed a letter regarding inaccurate and unverified things on my credit report. to this day over 60 days later I have not received a response yet. I feel like I'm being ignored for my disputes by you all and them. I demand these accounts be deleted immediately or I will file for litigation because of the stress you caused me. My information was also affected by XXXX and the XXXX data breach and may have gotten into the wrong hands.

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 2016-08-30
Company: ENCORE CAPITAL GROUP INC.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
THERE ARE XXXX JUDGMENTS APPEARING ON MY PROPERTY XXXX XXXX XXXX XXXX XXXX, New York XXXX Midland has XXXX judgments for the same amount on the property I was informed that these judgments were actually cancelled against my client but are still appearing on the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 paid and closed this account with the manager of the XXXX XXXX store when this account was due. I have also contacted XXXX XXXX numerous times to request this error be fixed. When I have spoken with the agents, they were rude, abrasive and would not even look into the account because it was closed. I have also contacted XXXX and TransUnion multiple times and requested they send the information they used to report this account as late, XXXX and TransUnion only sent me a statement that the account was verified. How could the account be verified when TransUnion reports the account as 120 days late and XXXX reports the account as 150 days late? Especially when the account was not even late? 

Also, how can you possibly be 120-150 days late in the last month when there are only 30 days in a month? Additionally, TransUnion and XXXX are not even reporting this account number correctly! So how can this account have been verified? ( See Attachments ) This seems ridiculous that they can report whatever they want and dont even have to provide the information to substantiate what they are reporting? Seems like there would be laws against that? 

Account : 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 explanation
Consumer complaint received 2015-11-05
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Citizen 's Bank Mortgage ( XXXX ) XXXX incessantly calls my phone numbers starting on the XXXX of every month if the mortgage has n't been paid by that time. Today, XX/XX/XXXX, I spoke with a representative in the morning because I called in to ask why my mortgage payment went up ; I had to ask numerous times to be transferred to someone who could explain the increase before actually being connected with that department because the representative was incessantly trying to pin me down to a date when I would make my payment. When I told him I needed to check my checking account before providing a payment date, he angrily responded, " Well, sir, the phone calls are going to continue then! '' Sure enough, by the end of today, I have by now received a minimum total of 6 phone calls between my cell and home phone from XXXX ( and possibly more ). The messages they leave are 1.25 minutes long and do n't include any talking voices, just dead air space, until the last 15 seconds. When I called later in the evening to inquire about the harassment, another representative was equally as rude as the representative I was forced to speak with earlier in the morning. She was talking over me when I was trying to speak several times, was argumentative, and explained that they could call " 4 times for each phone number '' that they had on file for me. In the end, she hung up on me. It is clear to any reasonable person, based on the conversations today and based on the number of calls I typically receive each day whenever I 'm late on my mortgage, that the phone calls are designed to harass. Clearly, the purpose of the frequent calls is above and beyond pure communication with the customer ( me ) ; they are designed to be harassing and annoying. For this, Citizen 's Bank needs to get an earful from the authorities, and they need to apologize to me. I would also like for them to modify this abusive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-12
Company: Self Financial Inc.
State: MD
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 have accounts on my credit report that I did not open and have no knowledge of, and the accounts are negative. Accounts are 1 XXXX XXXX XXXX XXXX  XXXX opened XX/XX/2021 2 ) Self Financial/Lead Bank opened XX/XX/2021 XXXX ) XXXX XXXX opened XX/XX/2021 I made a complaint with all 3 credit places XXXX, XXXX, XXXX and they all say to report it to the FTC and file a police report. I hope you can help me resolve this matter and remove this fraud from my credit. I was in School in XXXX till XX/XX/2021. Please help me straighten this out. I phone these companies and XXXX XXXX XXXX also stated to contact the FTC. From the other companies I received no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Ocwen Financial Corporation
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I ordered my credit reports from all XXXX agency 's. I noticed XXXX 2014 payment was showing late and I contacted Ocwen to see why and they said I did not pay it till XXXX XXXX, 2014. I began disputing this. I also hired XXXX XXXX for some stuff I was cleaning up on my report. I cancelled with them as I never thought to pull my bank statement to see when it came out of my XXXX account. When I pulled the statement online it is showing the money came out of my account on XXXX XXXX, XXXX not on XXXX XXXX, 2014. Ocwen is saying they can not do anything as far as updating my credit profile and I have my bank statement showing that it did come out of my account on XXXX XXXX, 2014. They said prior that if I sent the statement to the research department it would be adjusted. I called and they said there is nothing they can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-10
Company: Spring Oaks Capital, LLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I reached out to Spring Oaks Capitol about a debt they placed on my credit report XX/XX/XXXX. I had prior communication with this company before they placed this account on my credit report. As stated on the paperwork they obtained or bought this debt on XX/XX/XXXX. They failed to notify me of this debt or did not give me the time to request validation before they placed it on my consumer file. As soon as I gain Knowledge that this account had be placed on my account I contacted this company disputing the validity of this account. Between XX/XX/XXXX and XX/XX/XXXX I sent out a letter asking for them to supply information to validate the debt as I do not recall obtaining this debt. On XX/XX/XXXX well past 30 days ( only after I called ), I received what seems to be a " Plan Disclosure and Account Agreement ''. This document state that it was opened online and has a electronic signature supposedly signed by me. I do not recall opening this account and this electronic signature could have very well been signed by anyone. They information they have sent me does not solidify that this account belongs to me or was even opened by me!

Company response to consumer: Closed with non-monetary relief