BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-09
Company: SYNCHRONY FINANCIAL
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, I opened an account with Synchrony Bank with the intention of purchasing several CDs. I gave the information for the transfer from my checking account at my local bank of {$50000.00}. On XXXX XXXX, Synchrony made an automatic withdrawal not once, but twice, for a total of {$100000.00}, obviously causing my local checking account to be overdrawn. Synchrony returned {$50000.00} on XXXX XXXX, but then quickly withdrew another {$50000.00} the next day! 

After dozens of phone calls and speaking with Supervisor XXXX XXXX, nothing was done in spite of XXXX , XXXX assuring me every day that {$50000.00} would be wired to my local account each day to correct their error. In the meantime, my local checking account was overdrawn and accruing overdraft fees. 

By XXXX XXXX, with no wire of the funds and XXXX XXXX now refusing to answer my calls, my local bank suggested I contact CFPB and make a complaint. I called Synchrony and informed them of my intention. I also requested that the my original {$50000.00} be returned to me and that my Synchrony account be closed. The Synchrony agent, XXXX, informed me that the account could not be closed because they had a policy that no funds could be withdrawn from new accounts for 45 days! I let her know I was recording the conversation and would add that information in my complaint to CFPB. 

That threat seemed to have some effect. At XXXX, a XXXX from Synchrony called to say the {$50000.00} over withdrawal error would be wired that evening to my bank. I also said I wanted to close the account due to the bank 's ineptness. I let her know I was recording the conversation. When questioned about the " policy '' of money from new accounts being on hold for 45 days, there was a long pause before XXXX XXXX stated that was not correct and my origainal {$50000.00} would be returned in three to five business days. It was. 

This complaint was resolved, however I think it is important that CFPB be aware of such unorthodox behavior on the part of Synchrony bank. I have documentation as well as taped phone conversations if you need it. I am sure it was resolved ONLY because of the mention of CFPB, so thank you very much for that. 

Sincerely, 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 2015-08-15
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I 've been a US Bank customer for many years. I 'm young and it 's still difficult to keep up with the changing methods and rules that the bank imposes on existing products. I was under the mistaken impression that the recent Reg E changes would prevent the bank from charging daily overdraft fees. What I find now is that they will charge an extended overdraft fee if your account is 7 days overdrawn. That 's a miserable thing to do but whatever, it 's {$25.00}. The deceptive part is in their notification of that fee. Once your account has been at a negative balance for 5 days they send you a letter to tell you in 2 days you will be charged a fee. Of course you ca n't possibly receive that notice in 2 days and the fee is already charged before you have an opportunity to bring your account positive. Giving someone a 0-2 days window before a fee will be charged is deceptive and unfair. I received my notice on XXXX XXXX to let me know that on XXXX XXXX a {$25.00} fee would be added to my account. Bear in mind this is after a US Bank autopayment overdrew the account ( and failed to make the minimum payment ). This practice would make it extremely difficult for someone to prevent this fee from being assessed. When I brought this up with the on-duty branch manager at the XXXX XXXX XXXX, XXXX, WA XXXX location, XXXX XXXX XXXX, she said since it was n't a " bank error '' she would n't reverse it. I asked did n't it seem like a deceptive act and she said no, this did not qualify under UDAAP.I asked how I could file a complaint with the bank she provided me the regular branch manager 's card with no additional information. I still do n't know how I can voice my concerns regarding this policy or practice with US Bank directly and XXXX XXXX was not at all concerned that I perceived my consumer rights to have been violated. In a single {$33.00} transaction ( which I had to set up or the account would charge a fee ) I ended up with a {$20.00} late fee ( because the {$33.00} was not enough to actually cover the payment, it pulled the " available balance '' instead of the payment perhaps due to an internal mapping error in their very old software ) and a {$25.00} " extended overdraft fee ''. Unbelievable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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:
I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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 2015-10-28
Company: CITIBANK, N.A.
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I would like to have have the following accounts Deleted and Removed from my Credit Report and Credit File. I have never done business with these companies verbally or written there is no exchange of business or service between me and the following companies listed. They are in violation of my RIGHTS and the FCRA LAW. Account Name : XXXX. System Account # XXXX Balance {$1900.00}, Account Name : XXXX  Account # XXXX Balance {$140.00}, Account Name : XXXX XXXX XXXX Account # XXXX Balance {$940.00}, Account Name : XXXX XXXX  Account # XXXX. I have not given written consent to have these accounts on my credit report and would like for them to be DELETED from my credit file and credit report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-15
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Billing statement

Complaint:
I paid off complete balance on my Juniper credit card and then they added {$77.00} worth of fees after I paid. This was not a balance transfer which they claim.

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 2016-02-10
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Balance transfer

Complaint:
Dear Consumer Financial Protection Bureau, I am respectfully requesting some assistance with a very frustrating consumer issue. Within the last two years I had my credit card with my local credit union, XXXX XXXX XXXX XXXX in XXXX, purchased by another financial institution, ELAN Financial Services. The communication by my credit union, as well as the new institution was poor, and the transfer took place quickly with the XXXX XXXX Credit Card bill immediately changing to an ELAN Bill, XXXX that looked much like junk mail, not a credit card bill at all. As a result, I missed several payments ( up to 120 days ) to ELAN. During this period, payments were made to XXXX XXXX, but the payments were not registered or acknowledged by XXXX XXXX or by ELAN. 

The result of all of this is that I experienced several months of late payment fees, which ELAN declined to refund. In addition, and more severly, ELAN negatively affected my credit report by issuing several late payment reports. Since this time, and after I realized that this transfer was made and that I needed to send my payments to a different address/company, I have been paying this bill consistently each month. Since the incident ELAN posted a few months of on time payments, and for the last XXXX or seven months have been posting the account closed on my credit report, even though I continue to make monthly payments to this account and according to ELAN the account is active. 

For a consumer who has never had any major credit issues on my report, this is a glaring and alarming rating, which is negatively affecting my ability to obtain a credit, a mortgage or to refinance my house. I do not believe that this is fair, nor do I feel that XXXX XXXX or ELAN handled this situation well. Especially ELAN, who, even after realizing that I was not aware of the transfer, and that I had made payments to XXXX XXXX post transfer, they refused to work with me to correct their negative reporting and acknowledge my payments. It even took several MONTHS for XXXX XXXX to acknowledge the money came in and have it transferred over to ELAN. 

In the future I would never use ELAN Financial Services again, nor would I recommend them to any of my family or friends. Doing a simple google search on them, there is a long history of other consumers complaining about their practices so I know that I am not a unique case. 

Any help here that you can provide would be most appreciated. I believe that ELAN owes it to me to review and rebuke they negative reporting that they have been sending the credit reporting bureaus. 

Thank you for your cooperation and your support. 

Regards, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: U.S. BANCORP
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I began a mortgage process with U.S. Bank. A traditional 30 year-loan with an XXXX grant assistance for recent graduates to contribute 5 % of down payment. I worked with the mortgage loan originator, various management and was able to include underwriting in all email communications. My loan originator stretched numbers in order to overestimate my ability to buy, I once found this out while in contract. For the pre-qualify portion I gave all exact numbers to know my ability and my max was around XXXX for debt to liability according to the mortgage loan originator. Although later on I found out he incorrectly entered numbers causing myself to prematurely pay off a motorcycle loan in order to get the debt to equity ratio correct to afford a XXXX town home. The loan application was filled out completly wrong and had to send back multiple revisions for them to make in order it to be correct after having already provided supporting documents. Why they kept being entered wrong? I have no idea. This is important because if myself or another would not have reviewed the application properly I could be charged with mortgage fraud because of a non caring employee. Further more, they filled out a grant incorrectly having to resubmit it for approval. I have talked to them on the phone XXXX in total in a 45 day period. After asking for a two week extension. However, I will be missing the last closing date, due to the mistakes constantly being made my the mortgage staff and management. Due to constant errors on applications, grants, miscalculating numbers all while trying to cover up numbers and problems by providing broad overviews in emails. I am a XXXX XXXX and numbers are my life which is why I always review and request exact numbers. This is a threat to other consumers that could possible lead to unintentionally agreeing to an incorrect mortgage application leading to jail time, loss of money due to a non timely close because lack of attention to detail. Every time there was a request I was able to provide material back within 24 hours if not same day. Now my money is going to waste, Im missing out on a deal of XXXX below appraisal, when similar properties in the development are being bid up XXXX above ask, and I was able to obtain at ask and below market. All because XXXX XXXX XXXX XXXX XXXX at U.S. Bank in XXXX, OH does not answer calls, does not provide exact numbers, stretches numbers, files incorrect documents, and goes by his own time frame. Its not at his loss but mine and my investments. 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 2022-05-23
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
FCRA violations : accounts not mine XXXX  Potentially negative Date opened XX/XX/2017 XXXX {$0.00} Status Closed. {$320.00} written off. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 
XXXX Potentially negative Date opened XX/XX/2017 XXXX - XXXX XXXX, XXXX. 

FCRA violations : addresses not mine XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX 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 2022-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery, has continuously reported multiple accounts on my consumer file that are not mines & without my written consent. 
On XX/XX/2022 I notified Portfolio Recovery via email about two accounts they were wrongly reporting on my file. I demanded validation or deletion. They did not remove these accounts from my file while reinvestigating, they did not send me valid proof that I own these accounts. Instead theyve sent me a bunch of bills they alleging I owe with no valid proof attached & they continue to report these two accounts on my consumer file that are not mines.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
U.S. Bank National Association filed Appointment of Substitute Trustee. The homeowner has passed away & the estate after trying to get them to give them a payoff for a short sale & not getting one gave the property back Deed In Lieu of. This was in XXXX2014. Would like to know why it is taking so long to foreclose on this property.

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 2022-05-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I submitted a dispute to Experian on XX/XX/2022 regarding XXXX XXXX Bank & in 3 days the credit bureau verified the information. The FCRA states that a dispute is supposed to take 30 days to complete & Experian hasnt investigated this account in a matter of XXXX hours. This is impossible & the only way an investigation can be that quick is if it involves updating personal information. This dispute is involving a derogatory account that is reporting on my 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 2015-10-07
Company: U.S. BANCORP
State: IL
Product: Credit card
Issue: Rewards

Complaint:
US BANK XXXX XXXX XXXXI am making a complaint in regards to my card Central Bill Account - XXXXBusiness Credit Card - XXXX. 

I paid {$60.00} for annual fee on XXXX/XXXX/2015. Per card member agreement, I have not received my anniversary XXXX points to my GOLD account : XXXX am pretty upset about the elimination of benefits and the poor marketing US Bank has done in regards to this card. In addition I do not get my annual bonus points. 

Please update my account and deposit the XXXX. 

Thanks. 

XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with XXXX, XXXX, and EQUIFAX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
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: Account information incorrect

Complaint:
The following Account Name : XXXX XXXX Account # XXXX Account # XXXX and Account # XXXX is reflecting inaccurate information I have disputed the following account with the Creditor as well as with TRANSUNION, XXXX, and XXXX and the account is still being reflected on my credit report with inaccurate Dates, Payment History, and Balances. This is in clear violation of my RIGHTS and FCRA ACT and LAW. I would like for this account to be Removed and Deleted from my Credit Report and Credit File. I have not given written consent to have this account on my credit report and would like for it to be DELETED from my credit file and report immediately 15 USC 1681 e ( B ) Accuracy Of Report 15 USC 1681i ( 2 ) Prompt Notice Of Dispute To Furnisher Of Information 15 USC 1681 ( 5 ) Treatment of Inaccurate or Unverifiable Information

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