BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit card company erroneously charged me interest on my account, after the account was paid in full, did n't provide notice of the interest so kept charging more minimum interest. After 30 days past due, they sent me an email, so I immediately submitted payment. 

1 ) New credit card, with a new charge on XXXX/XXXX/16 in the amount of {$200.00}. 
2 ) Payment cycle is on the XXXX of the month, so this payment was due XXXX/XXXX/16. 
3 ) I forgot payment right away so they charged my {$25.00} late fee, which I was fine with. 
4 ) Once I received notice that this was late I submitted payment for the full balance owed of {$230.00}. That payment posted on XXXX/XXXX/16, according to their website. So, on XXXX/XXXX/16 I had a {$0.00} balance. 
5 ) It looks like on XXXX/XXXX/16 they charged a {$4.00} interest fee. I dispute this fee since I had paid my CC balance in full, which was posted on XXXX/XXXX/16, a day before the cycle ends. 
6 ) I did not receive notice of this {$4.00} interest charge so was under the impression my account was paid in full. 
7 ) On XXXX/XXXX/16, they charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
8 ) On XXXX/XXXX/16, they again charged me a minimum interest payment of {$2.00}. Again, I was unaware of this transaction since I thought my account was paid in full and did not receive notice. 
9 ) On XXXX/XXXX/16 I receive an email from XXXX XXXX informing me that my account is past due. I was confused, but worried about my credit score I immediately logged in and submitted payment for the full balance. 
10 ) On XXXX/XXXX/16, I started receiving notice from Credit monitoring companies of the late payment they reported. To my knowledge, they have reported 60+ days late to XXXX and 30+ late to Transunion. I am unsure of XXXX since I do not subscribe to them, but if so I would like that record to be fixed as well, please. 
11 ) On XXXX/XXXX/16, my payment posted for the {$8.00} of interest that they charged me on XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16. 
12 ) I am requesting reimbursement of all erroneous interest charges. I dispute the XXXX/XXXX/16 charge since my account was paid in full by the time the XXXX/XXXX/16 interest was assessed. I dispute the XXXX and XXXX interest charges since they were the result of the erroneous XXXX/XXXX/16 interest being charged. 
13 ) I am also requesting all erroneous reports to the credit bureaus to be fixed. My credit score has gone down XXXX points as a result of these erroneous reports. 
-

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 2015-05-14
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I currently am enrolled in Suntrust Billpay. I recently had an issue where I scheduled a Billpay for my HOA, and the payment was sent to the XXXX XXXX. There is no record of the transaction at all on their website, and I am certain that I scheduled the Billpay for my HOA. I spoke to a representative on XXXX XXXX, 2015 and was told there was nothing that they could do, and the representative hung up on me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Heavner, Beyers & Mihlar LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a monthly mortgage that was finally approved to be 31 % of my gross income as a payment since I first applied for the HAMP thru XXXX XXXX XXXX, it is also an FHA loan. I have made persistent monthly payments to XXXX Home retention department since XXXX of XXXX when I first applied. I also took the financial counseling courses thru XXXX debt counseling in XXXX. As I complained to this office XXXX was denying me the proper repay payments on the modification. XXXX kept inflating my gross income and that would project an improper repayment on my loan monthly payment and they failed to comply to FHA guidelines. This was complained to the bureau frequently my credit also suffered. I am a XXXX person and deserve to be able to maintain my home without threats. On sunday XXXX XXXX, XXXX, yesterday, a man served me foreclosure papers despite the FACT I have active letters from XXXX that my appeal is being reviewed since my payments were consistent and the payment and trial period were met since XXXX of XXXX. The liason with XXXX and FHA stated she is looking into this matter. FHA created a ticket over the concerns of a third party named in the loan papers that were sent to me to sign in XXXX. I inquired as a consumer who and what the third party fees from XXXX were and XXXX kept denying there was a third party. Now a law firm is filing foreclosure despite the fact XXXX XXXX. loan specialist of XXXX states she is working on my modification. This law firm has violated the terms this foreclosure date is listed less than 30 days of the letter dated XXXX XXXX, XXXX these papers were served yesterday XXXX XXXX, XXXX. I have letters from XXXX dadted this last week and calls from them stating the modification is being worked on. The law firm is violating FHA terms as the secretary of the FHA must allow a foreclosure and the terms on the loan are not consistent with XXXX. My loan name is not even listed as correct on the papers from the law office. I am being wrongly pursued and abused. this law firm is wrongly adding fees where my XXXX loan modification with FHA is another amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: LD Holdings Group, LLC
State: NC
Product: Mortgage
Sub-product: VA mortgage
Issue: Settlement process and costs

Complaint:
I applied for a VA refinance mortgage through Loan Depot XX/XX/XXXX. At that time I had to pay {$300.00} to lock in the interest rate and to cover the appraisal. I received very little communication from that time on except for notices that additional papers were needed by the VA which I found and sent to Loan Depot. Then two weeks ago I got an email asking for my water to be tested because I have spring water and the report to be sent to Loan Depot. This took a few days because the health department only has certain days of the week that they test water. So then last night ( Monday ) I received a call from Loan Depot saying that they had to raise the interest rate because my loan unlocked on Friday. The man said he had called me on Friday but there was no answer so he left a message. I received no message. I use a cell phone and it does not work inside my house. So after an hour or so conversation with the person that called ( Mon ) I decided to call the person that originated the refinanced process and had to leave a message because he was not answering, but he has not returned my call. So at this time I am really frustrated and do n't no what to do. When I finished the hour or so conversation with the person last night he told me I could either except the new interest rate or close the process. The interest rate that I locked in was 3.25 % and now they want 3.75 %. This seems totally unfair to me especially since the rate unlocked on Friday and I get a call on Monday. Not only did they raise the interest rate but they want {$4000.00} at closing.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: Stellar Recovery, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Almost daily phone calls from Stellar Recovery for months now. All computer calls. 

I own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. 

I have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Privacy

Complaint:
While checking my personal credit report, which I acquired from XXXX, I noticed an inquiry made by your company " SYNCB '' on XX/XX/XXXX and XX/XX/XXXX. 

I did not authorize anyone employed by your company to make an inquiry and view my credit report. You have violated the Fair Credit Reporting Act Section 1681b ( c ). You are not legally entitled to make the inquiry. This is a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Barclay sends me a promotion for a balance transfer, which I take. Immediately after approving my balance transfer, they snap a bogus charge of {$480.00} onto my account backdated three months. As this is on top of my 0 % APR balance transfer, Barclay is also guaranteed to earn massive amounts of interest on this charge. Because I can not pay off the charge unless I pay off the balance transfer ( that I had just paid the fee to take ) first. 

This is predatory banking at its finest. The charge that they billed on my account is apparently a " rebilling '' of a fraudulent charge that Barclay had earlier promised to delete for me. Now, as soon as I get a balance transfer, they rescind the deletion of the charge and add it back onto my account. They now tell me that I have to dispute the charge again, after I had already disputed and won. 

The charge that they 're trying to make me pay is a credit card charge that I never consented or agreed to make. The website billed me against my will. I never received the product or service that the charge is for. Barclay recognizes what is clearly a fraudulent charge for a product or service I never received, and uses it to their advantage to sucker punch me immediately after I take out a balance transfer. 

Be very wary when dealing with such a predatory lender. My using of the products and services of this bank has led me into much distress.

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 2015-11-27
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased some furniture around XXXX of 2015 and it was financed by Synchrony Financial. Since the loan was taken out I have been making double payments to get the loan paid off. In XXXX my computer went down and while I was shopping for a new computer and setting it up I received a communication from Synchrony Bank which reflected a {$25.00} late charge because I had not made my payment by a certain date in XXXX. How can I be regarded as late when my payoff is ahead of the game. As soon as my computer was back online in XXXX I transferred the double payment for XXXX to Synchrony Financial via bank payment. I then contacted them by phone and the person I spoke to was very unwilling to reverse the late charge until I mentioned I was going to report the action to the FTC. I was then told I could request a waiver of the late charge which I asked her to do. I do not feel confident that this happened or will happen at this point because of the attitude of the telephone contact. I do not think it is right or legal for a company to charge a late payment charge when XXXX is ahead of the game on payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My identity information was used to create a credit account with XXXX XXXX XXXX through Synchrony Bank. Sometime in XXXX XXXX. From talking with Syncrhrony Bank they are going to submit forms for me to complete to remove this from my credit history. However, I am filing this information as a back up to assure Syncrhony Bank follows through.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-16
Company: KEYCORP
State: CT
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/2021 I made a charge for {$750.00}. From XXXX XXXX, key bank blocked my card until I verified it was myself who was making the transaction of {$750.00}. I did advised them that I was making a purchase for {$750.00}. However when I checked my statement I had a charge for {$750.00} from XXXX XXXX  along with a charge for {$53.00} from XXXX XXXX for a warranty also. I have advised key bank that I have been back in forth on the phone with XXXX trying to get them to return the {$53.00} because I did not authorize that charge nor have I received the warranty at all for the XXXX. Every time I call XXXX they say the money is going to be deposited in my account and as of todsy date neither XXXX or Key Bank have return the funds of {$53.00}. The warranty was never sent it now has a deliver date of XX/XX/XXXX the date keeps changing when I advised I didnt authority. I receive the XXXX on XX/XX/2021 2021

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Delinquent account

Complaint:
XX/XX/2017 Mailed check to Old Navy/Synchrony Bank to pay balance of account. Check posted XX/XX/2017. XX/XX/2017 Rec 'd past due notice for {$230.00}. Conducted chat line chat with no resolution. Chat rep claimed my check returned NSF. I called my bank. Check never processed through them, not posted to my account, and nothing on my account returned. In subsequent calls Old Navy/Synchrony communicated the check was actually returned " uncollected funds '' & it 's between me and my bank. They also said they could n't provide a copy of the front and back of check and would not return the check to me. My bank ca n't track without that information. A chat rep also asked me to send them my bank statement showing that I have the funds available in my account and they would look into it. I refused! On XX/XX/2017, requested # for a Manager. I was transferred. Again, Manager stated they ca n't return or send a copy of the check to me. Meanwhile, I am showing past due, delinquent and owing over {$7000.00} which I paid on XX/XX/2017 with Old Navy/Synchrony Bank still saying it 's my bank 's fault. Today I am sending a cashiers check for the original balance due by Priority Mail. I requested they remove all late fees/NSF fees/additional interest. Manager said they ca n't do that. Thank you.

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 2015-09-14
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
On XXXX/XXXX/15 I signed-up for a Wyndham Rewards Barclay Card as part of a Wyndham time-share program I purchased. The Barclay VISA credit card was used for the down payment. The terms of the Barclay agreement I received that day said 0 % APR for balance xfers for 45 days after opening account. When I received the credit card about two weeks later in the mail, the balance xfer terms were 0 % APR for 0 days after opening account. The online account also says 0 % APR for 0 days after opening the account. This is an error I would like to get fixed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: PNC Bank N.A.
State: SD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account at the PNC Bank XXXX XXXX, 2015. I received a document showing a Routing number of XXXX, a {$25.00} deposit into a Virtual Wallet Account and a confirmation number XXXX. I called PNC, at XXXX about not having received an account number. They could not find my account using the confirmation number or my social security number. They have {$25.00} that was used as the initial deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
got a letter from a lawyer mitchell d bluhm & assoc. for XXXX dollars i have medical insurance shouldnt be payimg anything have medical assitance sent that back with bill with insurance information thought it was taken care of since i never heard back from hospital

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-16
Company: Tower Loan of Mississippi, Inc.
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have asked them several times to not call me at work and they continue to do so. I tell them i will be in on a certain day or at a certain time and they still continue to call and harrass me. They are very hateful and hard do buisness with and they do not care about there customers at all. All they care about is the money and thry are always very threatening.

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 2016-02-19
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
I have asked Sallie Mae Student Loans to repeatedly not call my place of employment. On XXXX/XXXX/2015 a representative identifying herself as XXXX XXXX called approx. XXXX XXXX in an attempt to collect student loan debt. As I work in a XXXX, and have no direct extension, this interrupts business operations in the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Security Credit Services, LLC
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original debit was {$3600.00} dollars Settled and paid {$1100.00} in 2014 Net forgiven was {$1900.00} Cancellation of Debit that Security Credit Services reported to IRS in 2014 was {$5100.00} This is a difference of {$3200.00} -SCS did not send a XXXX -They refuse to send a corrected XXXX -They are claiming these are fees / interest

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27
Company: Sierra Holdings LLC
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I have ask the company to not contact me in regards of my account informed me they will still call me after I ask them not to then threat to repo the car. They are very rude and disrespectful I ca n't believe company like this exits.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07
Company: BAM Financial, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was XXXX contact by this company on XXXX XXXX, 2015. A man left a voicemail on my personal cell phone instructing me to call back regarding a business matter. They also contacted various members of my family that same day within an hour of leaving the voicemail for me. I attempted to return the call XXXX different times that day, only to be placed on hold for upwards of XXXX minutes, before either being transferred to a random voicemail or getting disconnected. 

XXXX days later, I received a " final notice '' letter from their legal department ( dated and postmarked XXXX XXXX, 2015 ), telling me I owe over {$3000.00} - an amount I do n't recognize - and demanding I pay the full balance of my account within XXXX days or the company will commence litigation and that they are presently compiling information regarding any property I own. It goes on to state that I will also have to pay the company an additional 10 % interest! plus court fees! attorney fees and processing fees. The letter states nothing of my right to dispute this debt, only that if I want to avoid further legal action, to contact them and that if I do n't pay them within XXXX days, they will assume I 'm not going to and will sue me. 

I 've already mailed a certified letter back requesting both verification of the debt and that they stop contacting me, but have not received the delivery confirmation for this letter yet. 

I received another phone call from this company today, XXXX XXXX, 2015, again asking me via voicemail to call regarding a vague " business matter '' and am hearing from the same family members as before that they are being contacted again as well. 

Also of note, the phone number for the most recent call was the same sequence of numbers as before, but appears on my caller ID as if it 's coming from another country ( i.e., XXXX as the country code, rather than XXXX for a XXXX number ).

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Resurgent Capital Services L.P.
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit cards were issued to someone other than myself illegally and the company is refusing to mark it as fraud and insists on collecting the debt from me that I have no knowledge of

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: Paypal Holdings, Inc
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
Possible scam. Have attempted twice to get a PayPal XXXX XXXX. They have deactivated the card both times before it has arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I file bankruptcy and the discharge was XXXX XXXX, 2015. TransUnion and and XXXX both report open accounts for XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. It is dragging my credit score down. I have spoken to and requested that both agencies correct the error and they have not. It has been over six months.

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