BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-20
Company: SYNCHRONY FINANCIAL
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Summary statement : I signed up for automatic online payments with Synchrony Bank, but Synchrony did not initiate the automatic payments resulting in late fees. Facts with attachments : I entered into a 2 year consumer loan with Synchrony Bank to finance a google pixel phone. I scheduled reoccurring automatic payments twice. Payments were to begin XX/XX/2017. I set up automatic payment on XX/XX/XXXX ( attached ). The first automatic payment did not occur and I received a late fee and notice on XX/XX/XXXX ( attached ) and a late fee on XX/XX/2017 for {$27.00}. After calling the bank, they said that they saw that the payment was scheduled but would take a month to go into effect.I made the payment on XX/XX/XXXX, and they said that they were going to remove my late fee but they did not do so ( attached ). I changed my payment amount over the phone to a higher dollar amount ( about XXXX ) so that I could pay off the loan in under a year. I made a payment over the phone on XX/XX/2017. I was also charged {$14.00} for an unknown reason and then the charge was removed, both on XX/XX/2017 ( attached ). A representative assured me over the phone that my reoccurring payments would go into effect for XX/XX/XXXX. On XX/XX/XXXX, I received a normal statement : the payment was due on XX/XX/2017 for {$66.00} I made the payment on XX/XX/XXXX, and they removed the {$26.00} late fee ( attached ). On XX/XX/2017, I paid XXXX through the automatic payment system, and then the payment was removed via 'payment correction ' and I was given a late fee for {$38.00} ( attached ). I had enough money to cover the payment ( attached ) and there was no indication that Synchrony tried to charge the money through the automatic payment. My prior payment on XX/XX/2017 came out of the same account without trouble ( attached ).

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 2022-07-25
Company: EQUIFAX, INC.
State: NC
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:
I'm requesting the unauthorized inquires be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
Consumer XXXX On XX/XX/2022 XXXX was not added to my BOA account Later found out account was closed when I tried to log in

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 2022-07-25
Company: JPMORGAN CHASE & CO.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Few issues here : 1 ) I asked Chase to provide a proof they emailed me the preauthorization form that I requested on numerous occasions. As of now, I didn't receive their email. Please make them explain why they had to conceal my email address when providing me with the proof. I need to ensure that they have correct email address for me in their records. 

2 ) You stated that customers must notify you of any unauthorized activity involving debit card or any electronic transactions within 60 days of the first statement that the unauthorized activity appears on. You stated that for our claim number XXXX for debit card transactions with XXXX totaling {$750.00}, Chase only approved the claim for two of the transactions totaling {$61.00}. Chase denied the claim for the remaining transactions because they were not reported to them within the 60-day timeframe. 

On the claim number XXXX for debit card transactions with XXXX totaling {$370.00}, Chase approved the claim for all the transactions except for one transaction for {$12.00}. The claim was denied for the last transaction because it was not reported to them within the 60-day timeframe.

To make sure they only denied transections that were not reported within the 60-day timeframe, I request a list of all transection affected by the denial. They should include the date, amount and description of each transection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: Palm Beach Credit Adjustors, Inc
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son went to the XXXX in Florida bc i could n't take him to a walk in clinic. I verified with my insurance company which i still have. I gave the hospital all documents to support this issue. XXXX has already removed this from my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Delinquent account

Complaint:
I purchased furniture making use of a twelve-month, same as cash offer via Synchrony Financial ( formerly GE Money Bank or GE Capital ). I established a monthly recurring payment with my bank, which processes a payment to Synchrony in the amount of {$150.00} on the XXXX of each month. I received a statement from Synchrony indicating that they did not receive a payment from me in XXXX or XXXX. They applied a {$25.00} late fee. After XXXX phone calls with Synchrony ( XXXX being escalated to a supervisor, XXXX ), I was told that I had to fax proof of my payments to Synchrony. I obtained proof of the payments from my bank, and fax those documents to Synchrony as well as a letter stating that I wanted them to take certain actions, which included crediting my payments as well as explaining why they were not crediting the payments that had been sent. My fear is that this will continue to happen unless they correct the issue. I want an explanation as to why there are not applying my payments. Further, I stated that I wanted something in writing stating that I did not make any late payments as I 'm concerned this will impact my excellent credit rating. I faxed all of this information to Synchrony on XXXX XXXX, at XXXX. The fax transmission confirmation document was produced at XXXX, which is evidence that they did, in fact, receive my fax. It is XXXX XXXX ( 7 days later ), and I have not receive XXXX bit of communication from Synchrony. They have not indicated that they received my documents, and certainly have not addressed the items I asked them to in my fax, namely crediting my account, providing me with assurance that they 've found and corrected the problem, or a letter stating that I have not been delinquent in my payments. I have received absolutely nothing from them. I researched this company online and was astonished by the number of complains just like mine. It appears that this is a common practice with Synchrony. In fact, " XXXX '' has XXXX reviews of Synchrony, all with the lowest possible rating and describing this same type of incident. Amazon complaints run rampant as well. This is clearly a company that makes a practice of creating reasons for charging people late fees and attaching interest to " same as cash '' accounts. I would like my issue addressed by them immediately and their practices should be investigated by federal authorities.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Synchrony Bank continues to call my home and business 3-4 times per day harassing me for not paying the enormous late fees they have tacked on some of my credit cards. I have told them to stop calling my home and my workplace multiple times a day for 50 days now, they refuse and continue the barrage of harassment. 
My boss is very unhappy about these phone calls. I could lose my job over this.They tell my co-workers they are debt collectors. How humiliating is that? 

I even made more than minimum payment to try to stop the harassment, but they want those excessive late fees made up, that is why they continue to harass me after I tell them to stop. I told them it is illegal to phone me after I told them to stop, they just laugh, and continue to harass. Debt collection is outsourced by Synchrony Bank, foreigners are doing the harassment.

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 2022-04-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: UT
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have filed before, but this time a found the XXXX XXXX of my XXXX. 
They are removing you as servicer of the loan and reassigning the Deed of Trust. 
I have attached the Letter he sent me. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: EQUIFAX, INC.
State: NC
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:
Upon reviewing my credit file, incorrect information was found in my reports. The 3 Credit Bureaus have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020 XXXX XXXX Inquiry Date XX/XX/202XXXX XXXX XXXX XXXX Inquiry Date XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-30
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have my mortgage through Citizen 's one home loans. I also have an escrow account with Citizen 's Home Loans for the purposes of pre-paying taxes and insurance premiums. I understand this to be standard practice for those who wish to participate in such a setup to avoid late payments. I would like to handle payments of taxes and insurance premiums on my own and have requested to close the escrow account. Citizens One bank responded to say they would only close the account if I pay an escrow waiver fee of .25 % of the outstanding principal amount of the loan. This waiver fee is not in the closing disclosure and no one from the bank ever made mentioned of it.

Citizens bank has not provided sufficient documentation on escrow waiver fees. In the attached loan disclosure, the escrow waiver fee is left off as blank. It clearly states the following : " In the future, your property costs may change and, as a result, your escrow payment may change. You may be able to cancel your escrow account, but if you do, you must pay your property costs directly. If you fail to pay your property taxes, your state or local government may ( 1 ) Impose fines and penalties or ( 2 ) place a tax lien on this property. If you fail to pay any of your property costs, your lender may ( 1 ) add the amounts to your loan balance, ( 2 ) add an escrow account to your loan, or ( 3 ) require you to pay for the property insurance that the lender buys on your behalf, which likely would cost more and provide fewer benefits than what you could buy on your own. '' I have reviewed the entire loan disclosure and do not see ANY mentions of an escrow wavier fee that would apply if I were to chose to close the escrow account. As a consumer, I feel cheated and taken advantage of. The escrow account was " conveniently '' opened on my behalf because I originally thought it was a free service provided by the bank so that I would not have to worry about paying extra bills. However, I am now discovering that I am being held hostage to to this " convenience. '' This practice by Citizen 's bank is unethical and is definitely not the right thing to do. If there was a fee to cancellation of this service, then it should have been disclosed in the closing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Fidelity Account Services LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
These people call at all hours of the day repeatedly and are threatening to serve me with papers, I really do n't even know why anymore. I had an old debt, 11 years old that I thought was resolved by now but they wo n't stop calling. They are using my maiden name when they call and claim to have the last XXXX of my social, but I refuse to give them any information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/2022 was a victim of fraud. Upon immediate transfer of funds, contacted PNC bank to withhold funds. We are talking within seconds of transaction. PNC said it was a temporary hold and had to wait until funds transaction took place. After more than 4 calls and 4 hours on the phone, PNC did nothing to assist with the prevention of funds or stop payment. 
Had to call back 2 more times, each time asking for proof of what information was used to handle dispute. 
XX/XX/XXXX, received letter from PNC stating : " Here 's what happened : You contacted us recently to request a copy of the documentation we relied on in making our decision regarding your disputed transaction ( s ). 

Any applicable documentation is included with this letter. Below is further information on evidence relied upon in decisioning your dispute : PNC Terms of Use for XXXX- You can access the PNC Terms of Use for XXXX form the XXXX Home Screen via your mobile app by Selecting Send Money with XXXX, tap Manage XXXX Settings, then tap XXXX Terms and Conditions. '' There is NOTHING attached or included otherwise to support their decision and I for one believe I have been scammed by this non-acting bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-21
Company: Designed Receivable Solutions, Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A States I have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-19
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
There is a collection on my credit from I>C systems for a medical bill that I do not owe. I called the hospital where they allege it is from and they confirmed that my insurance paid the bill and I only had a balance of XXXX. I paid the XXXX XXXX at TX XXXX the XXXX, However this collection agency refuse to remove this error from my credit. This has caused me to be denied credit and it is defaming my character. I asked I>C system to validate the debt and they refuse to do so

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 2016-07-25
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing disputes

Complaint:
I received a letter from Synchrony Bank stating they completed a review on my Belks Card acct. and a decision was made to close my account. This is the same bank I wrote a letter to close my Visa acct and responded that they will leave my acct open and lower my credit limit to {$520.00} after I wanted my acct closed. Now with the additional charges of late fees I received another statement with above credit limit additional fees. I thought I had closed this acct awhile ago. I do remember when I used my card years ago, I always paid the balance in full. they 're lowering my credit score. I am now on XXXX with little money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to XXXX XXXX XXXX. I had my Personal Financial Consultant speak on my behalf. XXXX XXXX XXXX spoke with XXXX XXXX XXXX. This was a Rental House with my Ex-husband in which we got a divorce and he lived in the place alone without me. I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act and Texas Finance Code section 392.101 a Debt Collection Company has 30 days to validate the debt. In my case my debt was partially validated in which makes XXXX XXXX XXXX unable to collect debt in Texas. In this case the debt should be removed from my credit report and out of the office of XXXX XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas Finance Code section 392.101 which prohibits a third-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a surety bond and file a copy of the bond with the Office of the Secretary of State. I asked XXXX XXXX XXXX to provide that information because I have the right as a consumer to know they have not provided the information in a timely matter. For that reason they should be removed from my credit report with your company if they ca n't provide the right information. I am providing the information that was sent to XXXX XXXX XXXX through USPS and CFPB alone with and audio that you can hear them violate my right by not providing the information that is supposed to be provided based on the Fair Debt Collection Practice Act, Texas Fair Debt Collection Practice Act, and Texas Finance Code Section 392.101.

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 2017-02-24
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We repeatedly requested a loan modification from Rushmore Loan Management Services and even though my husband on XXXX and that was why we were looking for reduction from our 6.5 % interest they kept turning us down saying our income to debt ratio did n't fit their criteria for in home modification. We missed 3 payments, XXXX and XXXX XXXX and XXXX XXXX. Began sending payments again every month but starting XXXX XXXX Rushmore started denying acceptance of payments because we were n't paying off missing payments balance. Finally this month they denied our modification for the last time and demanded almost {$40000.00} in reinstatement quote including almost {$1000.00} in late fees and almost {$7000.00} in " Corporate Advances '' which were n't listed individually. Managed to get loan to pay this amount, then the Point of Contact called me after we XXXX cashiers check saying she had forgotten to include XXXX amount in quote and we owed another month. Agreed to reduce by the late fee. Also the value of house they also based part of denial on was taken from the web site XXXX. They never sent an appraiser to house. XXXX has our house incorrectly listed with more bedrooms than we have. We feel unfairly treated for consideration of a modification based on our loss of income from my husband working full time to being on XXXX. When they did deny us, they sent a letter stating what any of the numerous reasons might be without checking any specific denial reasons also.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation