BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: Experian Information Solutions Inc.
State: DE
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:
On XX/XX/XXXX I finally settled a debt with a bank I loaned from back in XX/XX/XXXX. The loan was for {$5000.00} and I paid {$4000.00}. The bank immediately sent me a confirmation of payment, and court documents stating the debt was satisfied. The bank assured me that they updated their reports with the credit bureaus, however, there are no new updates. I disputed on all three bureaus to get them to investigate to put pressure on the process in case the bank did not do their responsibility. I waited the appropriate amount of days and received negative results from all of the bureau stating that " all info regarding the bank is reported correctly '' but it is n't! My report does n't show I paid them anything and it is reporting the same since I defaulted. I do n't know who to turn to because the bank is shifting blame on the bureaus and the bureaus are saying it 's correct and the merchant is saying all info is correct. I know for sure some kind of law is being broken under the Fair Credit Reporting Act. They are reporting inaccurate information and it 's affecting my score which I am repairing.

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 2016-09-11
Company: SYNCHRONY FINANCIAL
State: AR
Product: Credit card
Issue: Other

Complaint:
Made a payment on my credit card on XXXX/XXXX/16 - checked balance today and found out the payment is on hold. Told by agent I had made too many payments the previous month so they placed a hold on the account. Transferred to supervisor and advised the hold was random and authorized by law and that the Federal Reserve had placed a hold on the payment even though it had cleared my checking account. Stated the hold would be in effect for an additional four days ( 11 days total ). I contacted the Federal Reserve and they stated there was no law putting a hold on payments by the Federal Reserve and they referred me to 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 explanation
Consumer complaint received 2016-10-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Other

Complaint:
I have a JC Penney store card ( not XXXX or XXXX ). I took advantage of a deferred 18 month no interest promotion which expires on XXXX. When I have current month activity they apply my payments to the promotion first so I incur interest for the current payments each month. I pay enough each month to cover the current charges and make additional payments to pay down the promotion balance. 
When I make a web ( or check payment ) there is no system or mechanism to designate how I want to have the payment applied. I called customer service and it took 5 minutes to go through the voice response unit ( wo n't let you opt out for a representative ) to reach a live agent and go through the ID questions to talk to an agent. The agent said after I make each monthly payment each month ( 60 minutes a year - 12 payments x 5 minutes ) I would have to call customer service to direct how I want my payment applied. This is a whole lot of hassle. My wife wants me to payoff the credit card ( lose the remaining benefit of the promotion ) and destroy the credit card. We will stop buying anything from JC Penney at all ( we do n't have these problems with XXXX XXXX, Lowes or XXXX on their interest free promotions ). 
We also received an unsolicited JC Penney VISZ or MC which we did not activate and shredded.

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 2016-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
I spoke to XXXX people at TransUnion. I had a simple question : why is my credit score dramatically lower when I have XXXX % of the debt I had when my credit score was higher. 
They could provide no reason and repeatedly asked if I wanted to dispute any items on my report which I explained was not the problem. The first XXXX folks I spoke to at their overseas call center spoke English so poorly I had to ask them to repeat what they said three or four times.

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 2015-05-16
Company: SUNTRUST BANKS, INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: SUNTRUST BANKS, INC.
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied for loan mortification from SunTrust mortgage, and was denied, sent all information they requested, and I do n't understand what 's going on. I just ca n't lose my home to foreclosure. I do n't owe but {$14000.00}, I need to keep my home, I 'm a XXXX year old XXXX & been married for XXXX years. I need help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-15
Company: SUNTRUST BANKS, INC.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have a joint account with my son and a sole account at SunTrust bank. My son recently moved to XXXX and started a job with a company he found on the website XXXX. It turns out the company was impersonating a real company without our knowledge. They sent him a check for {$6900.00} and told him to deposit the check, which he did. They then told him to withdraw the money the next day and deposit into a XXXX XXXX XXXX account so that the software engineer of the company could purchase the hardware and software that my son would need for his job. We became suspicious when they sent him a second check. We filed a claim with SunTrust Fraud and he also went to the XXXX police and filed a claim. This happened on XXXX/XXXX/2016. I called SunTrust Fraud 4 times and never received any information as to what was going on. They never contacted me or my son. After sometime we were told that our joint account was no longer frozen and that he could use his ATM card. On XXXX/XXXX/2016 I received my bank statement for my sole checking account and SunTrust without notifying me took {$6900.00} out of my account to cover the fraudulent check. I have repeated contacted them to ask to have my money restored. They are protecting themselves but their customers. I feel that I have been victimized and I am being penalized for a fraudulent transaction. Where are the laws that protect the innocent consumer? SunTrust and the police should be going after whoever sent my son the bad check, they are the ones responsible.

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 2015-08-16
Company: Seattle Service Bureau, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I responded to an online Ad for a free consultation with XXXX XXXX. I had an appointment and signed an agreement to accept their services. Their contract has 3 days right of recession which I exercised to cancel. Based on my understanding and calculation XXXX days cancellation rights ended on 3rd business day from the time I signed not including week-ends. I was not aware or told they include Saturday as their business day. After few attempts to collect the full amount and my refusal to pay for unearned services they reported the incident to the credit agencies. Their actions have tarnished my credit rating unfairly and unjustifiably.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
No credit line increase allowed, Synchrony Bank/Care Credit. 
CFPB has continually denied my request to increase my credit line, without explanation in an expeditious and thorough explanation for the denial of an increase of my credit line on my Care Credit account. This has caused me duress and expenses incurred that should have been charged to Care Credit, but denied because of your credit bureau. 
If this is not resoled within 3 days of this post I shall pursue legal action against you and file complaints with any and all agencies under which you are governed. I have exemplary credit and a XXXX condition. XXXX is a common trigger to XXXX. I can easily afford legal fees, but I think free legal service is also available given my health status, the duration of continued requests for increases, risk of delayed XXXX procedures, duress and the consequences thereof. 
XXXX XXXX XXXX XXXX . 
XXXX. XXXX XXXX, CA XXXX, phn. # XXXXSynchrony Bank acct. # ending in : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: Union Home Mortgage Corp
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Attached to this message is a XXXX Real Estate Installment Quarter XXXX payment due from the XXXX XXXX XXXX Collector. Per the bill, the quarterly payment is due by : XX/XX/XXXX in the amount of {$740.00}. UHM is the mortgage servicer of record for account number : XXXX. As of today, the escrow account has a balance of : {$2900.00}. Therefore, payment should be made in a timely manner.

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 2022-06-03
Company: Block, Inc.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/2022 at XXXX XXXX  I stopped at XXXX gas station to put gas in my car. I used the pay at the pump option, after I put in my pin the pump did not turn on. It gave me a receipt that said declined insufficient funds. I looked on the cash app app on my phone and it had taken all {$110.00} from my account leaving a {$0.00} balance. I made a complaint with the station and with cash app that day. The station was not forthcoming with any information so i contacted the Illinois Attorney general about the matter with them and they did finally send them the proof that they didn't get the final transfer of money I have been in contact with cash App and they are claiming that they have 45 days to resolve this under the EFTA rules. When I looked at the EFTA rules it says that they have 10 days or 45 days if they issue me back my money after the 10 days. they have not done this and they are extremely closer to this 45 day time period if it is business days. If it is not business days they have grossly missed the deadline. 
I need help dealing with them. It is clear that they feel that they can bend the rules to suit their needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: AES/PHEAA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
This is from XXXX and closed in XXXX now today it is on my credit report with extra money and decreased my score XXXX points I will like it removed it is past the statue of limitations it been over XXXX years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-03
Company: EQUIFAX, INC.
State: NY
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 my first complain on XX/XX/22. 
I have not received any replied from this company that keep reporting inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: SUNTRUST BANKS, INC.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I paid {$75.00} annual fee on my checking account with Suntrust. This fee was paid for account benefits that include XXXX XXXX XXXX reward for each {$1.00} spent. However, they changed rules in XXXX 2015 and now XXXX XXXX XXXX reward will be rewarded for each {$2.00} spent and they also limited the maximum award to XXXX miles per month which makes this checking account absolutely useless for me. I paid {$75.00} for the full year of advertised benefit and I am not getting it anymore so I believe that bank must refund me my annual fee for this year.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I filed dispute but the TransUnion will not recornize dispute. other than a number XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: U.S. BANCORP
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I have 2 accounts with XXXX XXXX Bank. A credit card and an auto loan. I mistakenly sent the XXXX loan payment to the credit card. I called in the minute I realized that mistake. I had to contact Elan Financial as they are the company related to the Credit Card account. The amount I paid was {$6500.00}. I called in on XX/XX/XXXX to have the amount reversed as I don't even have a credit limit that high on the credit card. They told me due to the large amount that I would need to call back on XX/XX/XXXX. I called back on XX/XX/XXXX and the representative told me she had reversed the amount and transferred back into my account. She told me it should show up in my bank in 2-5 business days. 
Today is XX/XX/XXXX still not credit in my account. So I call into Elan Financial again and they told me a check had been cut for the amount on XX/XX/XXXX and mailed out on XX/XX/XXXX. 
I was given the wrong information three different times. Meanwhile I am accruing daily interest rates on the auto loan I am trying to pay off. You don t lie to the consumer and you sure don't hold the consumers money hostage. It was not over the Federal Reserve XXXX deposit amount so please help me XXXXget my money back so I can simply pay off my auto loan.

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 2015-10-30
Company: AES/PHEAA
State: OR
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I took out a loan for my education in XXXX 2007, it was a student loan with my aunt as a co-signer. My loan is currently past due and I am not working, I have repeatedly spoken to XXXX as well as AES about my options with payments while I am unemployed however they keep telling me that the investor has no options. I asked them to send me the original loan documents that I signed with XXXX when I requested the loan and realized that my loan is at a much higher interest rate than a classmate who is male and white, and had a credit score that was significantly lower than mine was at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: SYNCHRONY FINANCIAL
State: WV
Product: Credit card
Issue: Late fee

Complaint:
I have an Amazon Store Card through Synchrony Bank. I am a recent XXXX who took the XXXX in XX/XX/XXXX. Due to a overlap, I lost track of the time of the month and missed my payment. I have missed no other payments and have always been current. Resultantly, Synchrony Bank doubled my monthly payment, which I now can not afford. I am currently unemployed, being a recent student. I called Synchrony in an attempt to resolve this and was met with nothing but hostility and outright rudeness. I was told that my only option is to allow my account to lapse and write a mailing address that will take at least 30 days to process my request, at which point my account will be even further lapsed. They will offer no leniency and no meaningful solution. They will give me no details as to what options will be provided to me once I write to this address ( and seem to suggest that no relief will be provided ). All I asked for was flexibility, to allow me to pay my normal monthly rate and I was borderline mocked by their representatives. They have put me in a position where I have no choice but to fall further in debt and accumulate more late fees and interest.

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 2016-05-09
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in 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 2015-05-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Rewards

Complaint:
My XXXX credit card account was cancelled without notice. I received no paper or electronic notice. Not only is this inconvenient, but I had reward points that I had not yet redeemed and which XXXX still owes me. The same thing happened to my wife 's account. She spent several hours on the phone yesterday and was told that they no longer have reward points records, although, conveniently, they do have records of outstanding balances. Today, I received an email from the new owner, Synchrony, encouraging me to sign up for a credit card that I thought I already had. I would like to receive a formal notice and explanation of cancellation from XXXX. I would also like confirmation that this will not adversely affect my credit score. Finally, I would like a record and receipt of any reward points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Account Management Resources
State: OK
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Had active medicaid insurance. Dr office did not get proper authorization for follow up. Per billing guidelines can not bill patient for physicians office error, office responsible for getting authorization. Dr office stated I signed a medicaid ABN stating I would be responsible for charges not covered, however if proper authorization had been obtained insurance woild have paid. Spoke with medicaid billing line and confirmed physicians office never got proper paperwork. Also informed physicians office can not bill me for the balance as a medicaid patient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Both Convergent outsourcing along with XXXX XXXX XXXX, are still attempting to extort money from me. Every year XXXX XXXX try 's the same crap.Every year they use XXXX of their many subsidiary companies to threaten and bully me. This year it is convergent outsourcing doing the dirty work. Allegedly I owe XXXX XXXX {$4200.00} dollars this year. As always neither XXXX XXXX nor any of their affiliates provide any legal documentation that that could be used in court to validate this fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: JPMORGAN CHASE & CO.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
Hello, And Thank you. I was making a purchase of a new home. Had email from title company saying to do wire transfer early. XXXX was coming and sellers were moving to a new town. Company letter head all good, phone numbers good, send massage to my Real Estate agent about early transaction she sent back Great Thank you. Did not find out till Tuesday at closing that we had been scammed. {$150000.00} sent, bank said no funds are recoverable. After a 10 day waiting period. The closing was on XX/XX/22 the email and transaction was on XX/XX/22. Hopefully something can be recovered, and people charged with the crimes. Real estate office we believe was hacked.

Company response to consumer: Closed with explanation