BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-12
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Late fee

Complaint:
This complaint is about the TJX Rewards credit card through Synchrony Bank. In addition to a very high interest rate, the Bank routinely thwarts the account holder 's ability to access their account and pay the bill, and then charges a late payment fee. The website is routinely inoperable, blocking access to account information and the payment portal. I did not receive paper statements in a timely manner, sometimes only XXXX or 4 days before the payment was due, and sometimes I did n't receive statements at all. When I called the card company to complain after receiving a late payment fine for a bill I never received, I was urged to switch to paperless statements, which I did on the promise of XXXX access to my account and the ability to pay the bill online. Yet the website never seemed to work correctly, and on the infrequent occasion where it did work, it did not show real time account information such as recent payments. It would not even show the prior month 's payments, even if payment had been made weeks before. It was so bad that there was actually a disclaimer next to the account balance figure that said it might not be accurate. The combined effect of these systemic failures seemed to be designed to keep cardholders from understanding how much they owed and how much they paid at any point in time. It seemed designed to block access to information and to block the ability of the cardholder to make their payments accurately and on time, the result of which ( perhaps intentionally ) was to slap on late payment fees. I canceled my card today after the website was inoperable once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
This is for SYNCB Paypal. I have tried to get them to remove the erroneous information they are sending to the credit bureaus. The debt was paid in full!

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 2015-11-03
Company: ALLY FINANCIAL INC.
State: MS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I previously reported a duplicate entry to the creditor. They removed the duplication from my XXXX XXXX credit report ; however, it is still reported on my XXXX credit union. Therefore, I am submitting this complaint on the creditor due to their failure to correct this information with all three credit bureaus.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: Aargon Agency, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I'm submitting this complaint in reference to AARGON COLLECTION AGENCY knowingly reporting inaccurate data. My credit profile is affected by these penalties this looks SUSPICIOUS AND DECEPTIVE, I demand proof " TO SEE '' Valid Authorization/proof of alleged debt. Report without valid proper discloser requirements are in direct violation of my consumer rights. I, XXXX XXXX legally requested a description of details of the verification process used to verify this alleged account. Federal law requires you to respond in 30 days failure to comply with these federal regulations by FTC u.s c41, et esq

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 2021-01-05
Company: Synovus Bank
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I received a bill for {$40.00} due XX/XX/XXXX. The payment was made by my bank ( via autopay ) on XX/XX/XXXX. The payment has not been posted to my credit card account and {$51.00} ( {$40.00} + past due amount {$11.00} ) is showing for next payment due on XX/XX/XXXX. This company is not set up to receive phone payments or online payments. You are directed to make payments via bill payment with your bank. It seems this puts the consumer at a disadvantaged for this bank to benefit from late fees charged on untimely posting of a consumer payment. It's impossible to reach them by phone. You are directed on their website to contact them via mail. Please investigate their practices concerning fees and posting of payment. Thanks for your help in this important. I do not want this incident to adversely affect my credit with the bureau. Especially, in the midst of a pandemic.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: Blackhawk Network Holdings Inc.
State: PA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
I am trying to dispute a transaction with blackhawk network on a prepaid visa card. I have submitted the dispute form both via fax and email, but have not received any confirmation that the dispute form has been received and is being processed. 

I have called several times and spoke to several different departments and no one can get me in contact with the dispute team for a status of my dispute. Their terms state they can only accept disputes that are initiated within 60 days from the transaction, but fail to even provide a confirmation of receiving the dispute or the status of the dispute XXXX. 

I am at wits end and this involves {$500.00}, which is a lot of money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Waterfall Revenue Group
State: DE
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-21
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:
CFPB, regulators, national law offices and consumer advocacy groupsplease help!! 

I have given Experian a current copy of my credit report, that can be opened, that specifies what items I am disputing. 

Experian is claiming they can not open that file given to them. They response by saying they will be instead be mailing me a new report so I can start a new complaint with that report and that I should specify what items I am disputing. 

There is no need to do that because I already have my most recent credit report, I have already specified which items I am disputing, and the complaint totality has already been assembly. 

Experian, according many consumer online boards complaints, is being difficult in starting a dispute, outright refuses to start one or is simple ignoring a complaint by providing a bogus reasons such as the one given to me on my closed CFPB complaints. 

XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX XX/XX/2020 CLOSED BY EXPERIANNO ACTION TAKEN Complaint No. XXXX and XXXX EXPERIAN IS NOT BEING PROPERLY REGULATED TO ENSURE CONSUMER PROTECTION, AS SUCH, THEY HAVE SUCH A BRAZEN RESPONSE ON CONSUMER COMPLAINTS. 

Please help. 

Thank you XXXX 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 2021-01-05
Company: Navient Solutions, LLC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information is incorrect

Complaint:
XXXX XXXX. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, PA XXXX Tel/fax : XXXX Email : XXXX XXXX : Navient XXXX XXXX XXXX XXXX, PA XXXX Tel : XXXX / Fax : XXXX My Navient Federal Student Loan Acc't # XXXX On XX/XX/XXXX U.S. Congress decreed that federal student loans be subject to interest freeze and repayment forbearance until XX/XX/XXXX, but Navient is unlawfully reporting on my credit reports that I'm delinquent in repayments ; Tell Navient to cease such unlawful reporting and confirm by letter to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
THE FOLLOWING ACCOUNT LISTED BELOW ON MY REPORT IS FRAUDULENT XXXX XXXX XXXX Account number XXXX Date opened XX/XX/2016 2016

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 2016-02-18
Company: PNC Bank N.A.
State: IN
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Financial Institution does not follow customers banking preferences. They charge fees they do not disclose when opening an account through PNC. They will send transactions to debit from your account in a way that gains overdraft fees for their bank. PNC does not offer a valid email address to escalate complaints or to request reimbursement of charges made to the account. PNC claims to have rewards for using their debit card for various merchant debit transactions, but no points or rewards have been received by any PNC customers. PNC does not offer any type of resolutions to any discrepancies on checking accounts and customers can never speak to a manager unless you ask for a call back up to 3 days later. PNC will keep cash deposits pending for up to 5 days at a time. Payroll checks also remain in pending status for up to 5 days at a time. PNC has thousands of customers claiming to have money stolen from their account or money never showing up in their accounts. PNC will debit large checks from your account first and bounce several other small transactions or deny the small transactions if there is not sufficient money in the account. PNC will take this action against your preference to opt out of their overdraft protection. PNC has policies in place that allow them to do whatever they want and the government supports these actions to innocent banking consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: SYNCHRONY FINANCIAL
State: ME
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I am not sure I checked off the best description of my issue as none really seem to fit. I have several accounts through Synchrony Bank that were in collections. I have faithfully paid the collection agencies each month on time. I recieved a letter today from the collection agency I have for XXXX accounts. They said they are no longer servicing the account and that a different collection agency was. I called that collection agency and they told me that Synchrony had withdrawn all XXXX accounts and that I would need to call them. I called Synchrony and was bounced around from once department to the other and finally was told that they had no information on my accounts and I would need to call back later. Really? I am trying to at least own up to the arrangements I made and now they ca n't tell me anything. I do n't want any threatening calls or letters. I have had more issues with Synchrony than any other agency I have ever worked with. I have no idea who to pay now. The letter I recieved told me not to pay them any more. Well they are automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Cashing a check without an account
Issue: Deposits and withdrawals

Complaint:
I have a contract with a guy whom has an account at PNC Bank, I 've been cashing my check here for over a year with my drivers license and pre-paid bank card. They are no longer cashing my check that 's on their back unless I have a major credit card? Or they said I can use a work Id I work for myself do n't have one, or a passport, it cost {$100.00} 's of dollars I do n't have that kind of money and lastly they said a car registration I do n't have a car. this is oppression to the poor, If I can ; t qualify for a major credit card how can I pay my bills? This should not be allowed because not everyone can qualify, if my drivers license and debit card is ok to drive and use my debit card everywhere major credit cards are accepted I do n't see how this is not an acceptable form of ID for PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!

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 2015-05-07
Company: SYNCHRONY FINANCIAL
State: WA
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:
My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-22
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Closing on a mortgage

Complaint:
The signing of loan modification documents! 

I have completed my three payments as terms of agreement of the loan modification. 

The loan modification loan docs arrive. Looking through loan modification docs my mother name is on it and my name only. My father was the primary borrower. Makes absolutely no sense why my dad 's name is not on the docs. Mr Cooper has both death certificates for my deceased parents. 

I was contacted by the first Notary to come by and get loan docs signed. She keep asking about my mom and if she would be here to sign loan docs I told her my mother and father are both deceased and my father was primary borrower he is not even on the new loan docs and I also told her Mr. Cooper has the both death certificates for each one that's how this loan modification got stated I informed her my dad was the primary borrow and my mom was just on the loan. The first Notary claimed she was at my house and no one was home. She stated she was at my door from XXXX to XXXX AM my door was open and there was construction going on in the building next door. That's why I left door open. I called Mr Cooper office to let you know the situation. Given the information above by the Mr Cooper representative. I informed him it's XXXX AM I standing on my porch why would I be calling. 

Schedule Second Notary she arrives and as we are signing docs she put a line through my mother 's name while we completing the signing of docs. Mr Cooper reject the line through my deceased mother name. Get second set of new loan modification docs sign all of them again. All seem good. 
Just got a call from third notary indicating you rejected those loan docs again. Spoke to new Notary she is now asking me about my mom again to see if she will be here to sign loan docs. Here we go again around and around with this XXXX again. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: DISCOVER BANK
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have changed my legal name, was trying to change it on Discover Credit Card. Customer Service person provided fax number to fax and mentioned it will take 5 -7 business days. I have faxed and did n't get the card after 2 weeks, so called customer service they mentioned no fax received and asked to send fax again. I again faxed and called customer service and they mentioned they are in no way confirm if they received the fax. asked for supervisor and supervisor called my after 24 hours and mentioned the same they ca n't confirm if they received the fax. So wondering if information provided over fax are secure and if my information is mishandled. its been 4 weeks so far no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: PNC Bank N.A.
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Monday XX/XX/2021, my wife noticed that our checking account from PNC Bank, XXXX, was overdrawn in the amount XXXX $ and change. This prompted her to contact the institution. She spoke to a gentleman who said that he went and checked for 5 minutes came back and said " PNC was covering the overdraft fees and we had 30 days to cover the difference account. There would be XXXX $ in the account XX/XX/XXXX. ". Instead she woke checked the account on the XXXX and the overdraft had grown to XXXX $ and change. This seems contrary to the way our account should work. We have opted out of overdraft period. The account used to not allow us to debit more than we had. My wife was operating under the impression that she would not be allowed to overdraw at all, the way the card used to work. We would like what XXXX is supposed to do. Please try to reclaim our overdraft fees at least. I understand that we mad a mistake by not keeping an accurate ledger but, the card used to shut off when we were broke. We're not very financially savvy but, this seems predatory. The dates of the fee are as follows, XXXX $ four times on the XXXX of XXXX totaling XXXX XXXX Obviously, since we did overdraw, we feel the responsibility to pay the overdraft but, we are not supposed to be able to even overdraw. We would have never bought a thing beyond what we could afford. We thought our account would stop at XXXX XXXX Have regulations changed? This didn't happen 4.5 years ago. Please help us any way you can. This was an honest mistake my wife made. Why were we allowed to overdraw when we have opted out? This makes no sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: SYNCHRONY FINANCIAL
State: KY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have a store credit card with Walmart. Several months ago, I had a balance, but because I was about XXXX days late, they took about half of the amount as a late fee, instead of charging it to my account. This month I went over my balance XXXX {$2400.00} XXXX by {$53.00} and change, and got a payment due of about {$170.00}. If I had not gone over, my payment would have been {$68.00}. I do n't think they should be allowed to charge the consumer like this. I sent an email for an explanation of why they charge like this, but so far no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with explanation