BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Application processing delay

Complaint:
This letter is in response to numerous phone calls with Amazon Store Card and the Synchrony SCRA department concerning the end of my XXXX protection underneath the SCRA guidelines. The most recent was Friday XX/XX/XXXX, with their SCRA department. 

After I advised their office XX/XX/XXXX that I was retiring and was allowed 180 days of further protection I was informed that my interest rates would increase in regards to all XXXX accounts you currently hold for me but I could request a decrease and revaluation of my credit to possibly get a lower rate ; I was also told by Amazon Store card and the SCRA department via numerous calls that the interest rate would ONLY increase for NEW purchases not my existing balance. I have since discovered that my and Amazon cards have started charging me the higher rates on my prior balance which conflicts with what I was told. When I spoke with SCRA on Friday they yet again informed me of requesting a review of my credit reports to possibly get a lower interest rate. 
The company has been amazing with help since GE Money bank to current Synchrony excluding these XXXX MAJOR issues. I expect and was told that prior balances would be exempt from the higher rates unless I made new purchases which I have not. Please correct this issue ASAP and refund me the erroneous and inflated rates. I have always been on time and generally pay in excess of my due amount. An average increase of XXXX % increase is insane and unjust.

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 2017-05-05
Company: ERC
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Some years ago, I had my purse stolen. I reported it to the police department when I resided in Florida but  whomever the person was still open things in my name and I did n't find out until later . At that time when I got phone calls, I advised on the issue and sent a copy of the police report to whoever called back then. I have relocated and have no clue where the report is. It appears whatever creditor it was could n't collect so they made money by selling the unauthorized debt and I was never sent anything before hand or before this was placed on my report per FCBA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: ENCORE CAPITAL GROUP INC.
State: MN
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I called  midland funding  after seeing this on my credit report.I did n't remember opening an account with them, I called, they said the account was opened   XX/XX/XXXX , and it was sold to them, they purchased it  XX/XX/XXXX she said .I asked if she will repeat what you just said, her reply was do you want to pay the whole amount today? This means the loan was paid off and sold to them.This is the dispute, it was discharged, they wrote it off and was paid in full.I still get offers  for new credit card thru   XXXX   XXXX  .I should n't still be responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: AFNI INC.
State: MN
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 have settled a claim from XXXX XXXX XXXX that I owe a debt to them. I filed XXXX claim after I had spoken to many different managers at XXXX XXXX that claimed that my balance was at {$0.00}. No debt was owed as a result of poor service and I have communication from them attached, showing that the debt is no longer owed to them. Over the past 16 months, I have gotten MULTIPLE debt collection companies attempting to collect a debt that is not owed. These various companies appear to be selling this debt to other companies when they realize that there is no debt to collect. Every couple of months I get a new letter from a different company stating I owe them money. How do I get this to stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: AFNI INC.
State: MS
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:
XXXX sent the wrong internet equipment and when i didnt use it they charged full price and wouldnt take the equipment back. When i attempted to buy a home a sent a settlement pay of XXXX just to clear my credit and the transferred it to a collection agency. The payment was supposed to be forwarded to the right people but was " lost '' in the mail for months. I finally stopped payment which cost extra they somehow found the payment and sent it back to me. I had a lawyer notify the appropriate dept and the entry was removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: ONLINE Information Services, Inc.
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
As I gathered information to give to the STATE 'S ATTORNEY GENERAL. I did a search for ONLINE INFORMATION SERVICE license. I have found they are in direct violation of TENNESSEE FAIR DEBT COLLECTION PRACTICES AC T 62-20-101. ON LINE INFORMATION SERVICE does not have a license in the state of TENNESSEE. They can not collect on a debt. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-105 sta tes no person shall commence, conduct or operate any collection service business in this state unless such person holds a valid collection service license issued by the board under this chapter, or prior stat law. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-108 ( a ) ( 1 )  Every collection service shall have, for each location at which it conducts business a loc ation manager who  has submitted an application on a form prescribed by the board. TENNESSEE FAIR DEBT COLLECTION PRACTICES ACT  62-20-123  states a willful violation of this chapter, or any rule lawfully promulgated thereunder, is a Class C misdemeanor. ONLINE INFORMATION SERVICE is in direct violation. This will be the last communication I send before sending my evidence to the STATE 'S ATTORNEY GENERAL OFFICE.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Other

Complaint:
Synchrony Bank 's payment scheduling system changes the customer 's chosen payment posting date if any part of the payment detail is changed. I have noticed an issue where Synchrony Bank credit accounts change a payment scheduled date ( chosen by customer ) to the payment due date, if the payment amount is edited. 

Example : Amazon Store credit : {$94.00} due by XXXX/XXXX/15. 
Initially chose to pay minimum {$96.00} on XXXX ( date funds available and date scheduled ). 
Advanced to confirmation page, but decided to increase payment amount slightly. 
When clicked " edit payment '' button, reverted to payment page, {$96.00} selected payment amount still selected ( not changed to minimum due ), but payment DATE ( posting date ) reverted from XXXX/XXXX/15 initially SELECTED to DUE date of XXXX. 

Edited amount to {$100.00}, did n't catch ( as I have many, MANY other times ) that the date changed to XXXX XXXX due date ). 

Did not realize the date changed until checking my bank account that all payments scheduled for XXXX had cleared and noticed the payment that I thought to my Amazon account had not yet posted. 

While likely quite small per individual customer, this issue potentially allows Synchrony Bank to charge/earn significantly more interest ( illegitimately ) across their portfolio because the customer 's average daily balance is higher due to the payment posting later in the month. 

A later posting date results in a higher average daily balance, and therefore interest charge, for each customer affected. 

A mere {$.00} additional interest for XXXX account holders results in a additional {$50000.00} increase in interest earnings for the company. XXXX customers at {$0.00} each = {$250000.00} additional income that is earned through a system with a significant flaw ( if not intentional process ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Spring Leaf ( Formerly .XXXX ) had a loan on our house at XXXX , we paid every month for 180 months when the economy wen belly up in XX/XX/XXXX we called them immediately an let them know that we needed a modification, They responded by plastering forclosure notices all over the property, they kicked us out, and auctioned the property on the courthouse steps in XXXX XXXX , They robosigned the papers that is how they worked so fast. They called us up and told us that we qualified for a modification a HARP loan. trouble is they already sold the house. we moved to XXXX into a mobile home. since AGF sol the house for less than what we owned them they should have adjusted our biill accordingly, When I pulled a credit Report on XX/XX/XXXX I saw that SPRING LEAF formerly American General Finance had a balance of XXXX and Change since they admitted they made a mistake in taking our house and that we qualified for a HARP loan or modification, we feel that Spring Leaf or American General should make us whole again

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Trans union credit reporting agency i disputed bankruptcy thats reporting on my credit but this company cant provide me with accurate information showing it my case. I receive information from the court stating that they dont report to the credit bureau. so how can they report information on a file with out proper documents per Fair Credit Reporting Act section 609 the bureau provide me with accurate information it must be remove

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Ditech Financial LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mort gage company is Ditech mortgage I received documents on     XXXX   XXXX   XXXX   from  them advising my mortgage modification was approved and the 1st payment of {$690.00} would be due  XX/XX/2016 . I 've completed the three trial payments and is currently making my monthly mortgage payment. I have called monthly requesting my final modification documents. Customer Service  always state they are   processing those documents. It has been 5 month since I completed my trial payments. Please assist me with obtaining the final modification document. I also have not been receiving a mortgage statements. I would appreciate your assistance with this urgent matter.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
XXXX / XXXX /  XXXX   filed claim with  Wells Fargo re ference to payment to  HOA  made  XXXX    XXXX   throug h Bill Pay and the Management company on behalf of HOA claims payment was not received. I have contacted WF b ank several times through online inquiry and via telephone as of this writing. The payment was submitted via electronic transmission. I have already retrieved proof of payment via the Bank website ; however, this information is of no use to the  HOA management company as it doe s not indicate whom is in the possession of these funds and as of what date. Therefore, I have requested  of Wells Fargo  evidence of payment such as tracer and other associated transmittal information for proof to where the funds were transmitted and received. They have indicated that there is no error on their part ; however, continually refuse to provide proof as to when, where and who is in receipt of these funds . Representatives name s on today 's call was  XXXX  and  XXXX   XXXX . Additionally,  XXXX  was urging to waist my valuable time in placing a pointless and useless conference call after business hours. The  HOA management requires that I provide this necessary information so that we may locate where the funds were  delivered. I seek your help for expeditious resolve.

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 2017-04-28
Company: Ditech Financial LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
Ditech Loan C o.   Account #  XXXX  Account has been set up for autopay of {$140.00} from my checking account for several years.     On  XXXX / XXXX / 17  ditech debited {$670.00}, the final balance with no notice, even though I spoke to a representative from their company the previous month regarding wording on my bill that says that this is " mortage payoff ''. This loan is not connected to any property I ever owned, even though it shows my old address as " property address '' on the bill.     The attached bill from  XXXX / XXXX / 17 , which I received on  XXXX / XXXX / 17 , does not indicate any payoff intention or additional debits to my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I disputed the account with TransUnion in which TransUnion corresponded that the account with XXXX XXXX is valid. I then requested the description of the procedure used to determine the accuracy and completeness of information, and documents provided by XXXX XXXX Bank regarding the alleged account. TransUnion was unable to produce ANY documentation. My question is how can the credit bureaus validate the alleged account and the creditor XXXX XXXX Bank can not validate the alleged debt?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Collections Acquisition Company, Inc.
State: TX
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:
sending a copy of a check is not verifying the i did it. It only mean that the check was wrote off my old account with all my information on it. Please tell me how can that verify that i wrote the check or i had knowledge of it being done. Please remove this off my credit because the way you 're trying to collect is unfair nobody asked you the approve that check yes i researched this company. Please tell me how can you prove that i wrote that check or i had knowledge of it or even say its been verified by just looking at it ... send me a copy of your license show you can do business in this State ... .if we go to small claims court you will have to prove without a doubt that you know i wrote that check or i had knowledge of it ... how can you prove that from  XXXX   XXXX  IL PLEASE SEND THE PAPERWORK THAT YOU USE TO VERIFY THIS DEBT AS BEING MINE BESIDE A CHECK THAT ANYBODY COULD HAVE USED OR EVEN FOUND

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: WELLS FARGO & COMPANY
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
On  XXXX   XXXX  I received a letter from  Wells Fargo informi ng me that my PMI was cancelled as of  XXXX  the amount that was taken out for the PMI was $  XXXX  each m onth, they continued to take the money for  XXXX ,  XXXX ,  XXXX . The new loan amount was $  XXXX  they continued to take out {$1100.00} until  XXXX , I have called them at least  four tim es concerning this matter each person has a different explanation of where the mon ey is one sa y it in the escrow account, the other say they can send me {$80.00} my escrow account is up to date I just sent {$200.00} in  XXXX  to make up the shortage so I think that the money is ours and should be sent to us.im not sure if they can just take our money and as they please, I thank you f or any help you can assist me with, The mortgage is taken out of our Wells Fargo checking  account the  XXXX  of ev ery mounth

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 2015-05-06
Company: National Credit Systems,Inc.
State: CA
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:
National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX issues with Springleaf Financial. First issue, I am not receiving statements from this company, they state that statements are a courtesy to the customer. They reported me 60 days late last month after I supposed did not make payments on the account. Which is ridiculous, why would I be late on a loan after building a relationship with this company for over 10 years? 

I believe the reason, that I am not getting statements is that the branch manager, XXXX XXXX, is discriminating against me is because I filed a complaint with the FTC this year, when her employees would not stop calling me at work. I have cell phone records and emails where I told her employees not to call me during my work hours. 

There was no reason that they could not call me on late evenings at Springleaf and tell me that my payment was due. I would also like to add that for the majority of this loan, I have paid additional on my monthly payments. On at least, XXXX they have misapplied my payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: Experian Information Solutions Inc.
State: OH
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 just completed a chapter  XXXX  bankruptcy that included the   XXXX   XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX   XXXX   XXXX  home loans should now read closed.   XXXX   balance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-05
Company: EQUIFAX, INC.
State: OH
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 just completed a chapter  XXXX  bankruptcy that included the  XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX    XXXX  home loans should now read closed.  XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I recently paid on a bad debt charge I had with XXXX XXXX. I made an online payment of {$200.00} with Aldous & Assosiates. Later on in the week I went to XXXX and learned I was never suppose to be in collections in the 1st place. It was an error on there part. I called Aldous and Associates explaining to them what happened and they stated I needed a letter from XXXX saying I did not owe anything so I can get a refund of the {$200.00}. I paid. I have done everything Aldous and Associates has asked me to do. It 's going on 3 weeks and I have not received my refund. I have called several times and every time I call I am getting a different date on when my money will be deposited. I was speaking to a " supervisor '' XXXX XXXX he had yelled at me, hung up on me, been rude and disrespectful and will not let me speak to anyone else in that office. All I am trying to do is get a refund of my money and this office along with its staff is making if nearly impossible. I have asked to speak to his supervisor or someone who runs that office and I either get hung up on, put on hold for over 20 min or he says he is the one in charge. This is crazy and completely ridiculous. What company can do this to people!! This company needs to be stopped! They can not treat people this way!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-05-05
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Please verify this account and please send me the original contract bearing my signature not a computer generated  Bill or i temized statement

Company response to consumer: Closed with explanation