davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (TN)

Synchrony Financial closed my credit card account due to long term inactivity without providing me any notification that the account would be closed. I understand that those are within the terms of the account. What I do n't understand is why Synchrony does n't seem to care that this is a very frustrating experience for me as their client. I wanted to use this card but was unable to find it, so I called the service number on XX/XX/2016 to report it as lost. The system stated to me that my account was closed on XX/XX/2016 due to long term inactivity. The first person I spoke with said that it would be impossible to reopen the account. I also spoke with an escalation specialist who stated to me that the typical duration of " long term inactivity '' was 24-36 months, and that my account was inactive for 12 months. When I pointed out that this was inconsistent, she changed and said that 12 months also would be considered long term inactivity. She said that no person within the entire company has the ability to reopen my account. 

I understand that Sychrony Financial mitigates risk by closing inactive accounts. I also understand that within the terms that I agreed to when I opened the account, Synchrony Financial reserves the right to close the account anytime without notice. My complaint is that this provides for a horrible customer experience. Does n't Synchrony Financialwant my business? Apparently not. Although I did not use the account for a full year, I planned to use the account when it was financially reasonable to do so. Is n't that the type of customer that Synchrony Bank wants? A financially responsible customer who will use the card and provide payment processing revenue to the bank without eating away revenue with unpaid principal balances? Synchrony Financial would a least do well to notify their customers that their accounts will be closed. Of course they do n't have to according to the terms and conditions. But why do n't they want to develop a good relationship or experience for the customers that they already have? 

I was invited to apply for a new account with Synchrony Financial. This is not an appropriate resolution in this case because it has been less than 45 days since my account was closed. I believe this to be a reasonable amount of time for my account to be eligible to be reopened. I wish to use is card to maintain my good credit, and I do n't want an inquiry on my credit to use an account that I already had. If Synchrony Financial had notified me that my account was in danger of closure due to inactivity, I would have used the card.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Bleier & Cox APC (CA)

My banking records were subpoenaed from XXXX XXXX XXXX, by Bleier & Cox APC. The attorney illegally pulled records, in an effort to track down XXXX XXXX 's personal information, as we share an investment together. According to XXXX court records there is no judgement against XXXX. In fact the writ of execution has been rejected several times, with the latest being as recent as XXXX XXXX, XXXX. So how were Bleier & Cox able to subpoena bank records? The original judgement was answered by XXXX in XX/XX/XXXX in XXXX court. Since then the interest amount has allegedly grown from {$380.00} to, now, {$650.00}. The account has been sold or transferred XXXX times to different attorneys - all affiliated with each other. All attorneys are associates of XXXX XXXX who falsely claimed to be working for XXXX XXXX ( XXXX ). Court documents show that each attorney has moved the process to XXXX different courts, over 7 years, in an attempt to illegally carry out their collection process with incomplete court papers. XXXX XXXX XXXX do not represent XXXX, do not have proper documentation to subpoena bank records and do not have a judgement pending against XXXX. 
What 's worse, XXXX XXXX XXXX mailed the subpoena to XXXX on XXXX/XXXX/XXXX, according to metered stamp. It was received on XX/XX/XXXX ( Sat ) and the records were released to Bleier & Cox on XXXX/XXXX/XXXX, according to bank representative who spoke with the bank 's legal team member. I had only two working days to refute when I am allowed at least 5 business days.
Consumer complaint received 2017-03-27
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (MD)

I was approved for a loan modification ( HAMP ) by OCwen loan servicing. I paid the 3 month trial payments on time and was told I would get a permanent modification. I signed and returned the paperwork on time. I was told they needed the paperwork again. The first time I questioned this, they said I had not dated the paperwork. I told them my copy was dated, so their copy had to be dated. then they said the dates did n't match the notary date. I sent the paperwork again. They are not making the modification permanent and in the meantime they are still reporting me to my credit report as delinquent. I am still getting collection calls and paperwork in the mail. I was making my mortgage payment through their online payment option. They have now disabled that option for me. The last payment I made over the phone for a fee. I ca n't refinance with another company because I am still delinquent, even though I am not. I do n't know how to get them to make the modification permanent.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY (MO)

My joint checking account with Wells Fargo was overdrawn and I made a transfer from XXXX account to another which posted to my joint account on XX/XX/XXXX. They charged me XXXX overdraft fee of {$35.00} each for XXXX transactions stating that they overdrafted on XX/XX/XXXX. However, using my online banking account and looking at my joint checking account it shows that all XXXX transactions in question did not post to my account until XX/XX/XXXX which is the same day that my deposit posted and my deposit is posted immediately because it was just transferred from my husbands account into our joint checking account with the same bank. Put they want to tell me that XXXX checks and an electronic payment posted on XX/XX/XXXX and my online account detail show they posted on XX/XX/XXXX. Here is the proof directly copied from my online banking account detail XX/XX/2016 ONLINE TRANSFER FROM XXXX CHECKING XXXX REF # XXXX ON XX/XX/2016 {$1500.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$100.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$140.00} XXXX RETRY PYMT XXXX XXXX XXXX {$35.00} Expand XX/XX/2016 OVERDRAFT FEE FOR A TRANSACTION RECEIVED ON XX/XX/XXXX {$50.00} CHECK # XXXX {$35.00} Expand XX/XX/2016 XXXX XXXX PYMT XXXX XXXX {$140.00} Collapse XX/XX/2016 CHECK # XXXX image {$100.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written Collapse XX/XX/2016 CHECK # XXXX image {$50.00} Details Check Number : XXXX Posted : XX/XX/2016 Check Amount : $ XXXX : Checks Written And now where on my online account does it even show any transactions of XXXX. The next transaction that shows on my account was on XX/XX/XXXX. And the notification they send via online banking in which I can not copy states that the above transactions were paid on XX/XX/XXXX, if they had been paid on XX/XX/XXXX then they would 've posted to my account on XX/XX/XXXX as they always have before.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA)

This morning, I saw unauthorized inquiries on my credit report, and I cant figure out why. I checked my credit report as I usually do, but this time, there were unexpected discrepancies. I tried refreshing the page, thinking it might be a technical error, but the unauthorized inquiries persisted. Im asking for a thorough check of the documents Ive sent to make sure this issue is fully resolved so that I can stop stressing over it.
Consumer complaint received 2016-10-31
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CO)

I am unable to get my TransUnion report from annualcreditreport.com. I have spoken to XXXX different agents at TransUnion. XXXX tell me that I ca n't access online because I have multiple accounts with my Social Security number, and transferred me to dispute resolution, where they have not been able to do anything. XXXX have said I do n't have such multiple accounts. But I am still denied online access to my TransUnion credit report. What I want is to be able to order my report online, and to know whether I do or do not have multiple accounts associated with my SS number.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Coastline Financial Resources, LLC (TN)

I received a phone call stating that I had a debt and that documents were prepared to be delivered to my place of employment. I called and was informed of a debt for XXXX that I had no prior knowledge of. I was told the debt was from 2005 and they couldnt tell me anything about it, besides where it was from. I called where it was originally from, and they stated the amount was {$250.00}. I have been shown no proof of a XXXX dollar debt, and have received no notice of my right to dispute this. I was only told if I could n't make {$90.00} per month payments that legal action would be pursued. I was mailed a consent form to sign so that they could take money fron mt account.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.
Consumer complaint received 2016-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NJ)

XX/XX/2014 I had fraud and identity theft on my XXXX accounts XXXX with XXXX and XXXX with Bank of America. Police reports were filed people were convicted and restitution had been ordered. However XXXX cleared it up for me and sent me a letter stating they have cleared it up. Bank of America has refused to clear it up and it is still negative when I went to open a checking account a week ago. XXXX removed it but XXXX still has it in my profile.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY (NV)

The crux of my issue was NOT addressed by American Express in my previous complaint ( case number XXXX ). The response stated that the 6-8 week hold on my XXXX Membership Rewards points is in line with the terms and conditions presented at the time of application. However, as I said in my first complaint, the terms and conditions state, and I quote, " points WILL BE CREDITED to your Membership Rewards account within 6-8 weeks after charges appear on your monthly billing statement '' ( all caps emphasis mine ). However, the points have ALREADY BEEN CREDITED to my account. Therefore, the 6-8 week limit does not apply in my situation. They are listed as " AVAILABLE '' on my account and I continually get emails and pop-up notifications from the AmEx website with reminders that I have these points and that I should use them. If they are not " available '' they should not be listed as such. That is very deceptive on AmEx 's part and was not addressed in the response. 
The response also does not explain why ALL of my points have been frozen. In addition to the XXXX sign-up bonus from the Amex Platinum I signed up for on XXXX/XXXX/16, I had over XXXX points that I had earned from my Premier Rewards Gold card which I held prior to signing up for the XXXX XXXX ( see attachment showing the breakdown of my earning ). However, I am also not able to use those points. I tried transferring XXXX XXXX points for XXXX XXXX XXXX XXXX and I received the same error page as I have received when trying to transfer larger amounts. This is also deceiving because my points earned from my Gold card are also listed as " AVAILABLE '' on my account landing page. I am not notified that I ca n't use ANY of my points until I get to the last step of the transfer process, which I presume to be an attempt to hide from the customer that this freeze has happened. From a company who supposedly prides itself on customer service, there is certainly not a lot of clarity from this company and I 've received only canned responses that clearly show my first complaint was not read properly.
Consumer complaint received 2016-10-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: APPLE FINANCIAL HOLDINGS, INC. (WI)

I share a joint checking account with my girlfriend. this passed spring she was victimized by an online predator ( s ) who was extorting money from her, as well as others, in some sort of ponzi scheme. This person, or people, were able to get her to send XXXX separate wire transfers totaling an amount of {$22000.00} to an Apple Bank branch based in NY. I have attempted to contact a number of representatives from the bank and they have informed me that the money was in an account who belonged to another woman who was also victimized and that the funds in the account have been frozen due to suspicion of bank fraud. My girlfriend attempted to contact our XXXX XXXX bank that the monies were sent from who told her to call the police, she then contacted the Apple Bank in question who refused to speak with her, she then contacted the FDIC who suggested we file a complaint with CFPB. My girlfriend is also not in the best XXXX health at the moment and is currently receiving health care for this. Such is the reason these predators were able to dupe her into unwittingly making these wire transfers. I ask that you please contact me, as well as the involved banking institutions so this can be resolved and our funds returned to us.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (MA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.
Consumer complaint received 2017-01-31
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Weinman Acquisition Group (CA)

I received a call from a XXXX stating she needed to verify my address to serve me with legal paper work. I called XXXX and spoke to a XXXX. She stated that the original company hired them to file legal charges of theft and intent to defraud and request my credit card information or banking information over the phone. I explained I was to comfortable giving that information over the phone. She then sais I had no choice that was the only way to keep them form filling charges.
Consumer complaint received 2016-10-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (KY)

I received a Notice of Default and Right to Cure from Select Portfolio Servicing, addressed to me, instead of my attorney, dated XXXX XXXX, 2016, and received on XXXX XXXX,2016. This letter will be furnished to CFPB, upon request. This is Improper Contact, for the THIRD TIME with me ; see Former Complaints to CFPB by me and my attorney. In their last response to CFPB, they stated they would not contact me instead of my attorney. Obviously, they feel they are above Consumer Financial Protection Laws, and fear no consequences. My resolutions to this Complaint is that they, SPS, 1. contacts my attorney, instead of me, and 2. that SPS immediately stops alleging that XXXX XXXX is the Trustee on this fraudulent loan. XXXX XXXX is currently involved in a lawsuit and investigation brought!. by the United States Department of Justice, concerning their fraudulent loans.
Consumer complaint received 2016-10-31
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (GA)

My husband and I bought a home with a typical loan with BB & T. We planned to renovate and a few months later ( after getting architectural drawings done and hiring a general contractor ) we worked with BB & T to replace that mortgage and close on a construction loan that will convert to a regular mortgage upon construction completion. Our closing statement ( which I will attach to this complaint ) stated we would pay interest only for year 1 in the amount of {$950.00} and then our payment would convert to a typical principal and interest payment in year 2 and continue for the duration of the loan. We received our first bill with a different interest payment ( {$1500.00} ) that accounts for the amount of construction that has been completed to date. While this is logically fine, this is not what the paperwork stated at closing. We feel BB & T did not adequately articulate how our payments in the first year would work. 
In addition, I tried to make a payment both online and by phone for our first mortgage payment and was told that for the first payment I must go into the bank to make the payment OR send a check. No where on the bill does it state this restriction ( I will enclose the statement/bill as well ).
Consumer complaint received 2016-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: DCN Holdings Inc. (FL)

A company by the name of Accounts Receivable, in XXXX, FL contacted me first via phone regarding a past due invoice to XXXX Downtown. Membership to this gym was month to month at the time I had a membership and I am under no contractual obligation at this time. I have not had a membership to XXXX Downtown since XX/XX/2014. 

When asked to provide proper documentation as to why I owe said past due balance, no representative at Accounts XXXX could provide valid documentation. I received a generic looking " statement '' in the mail, however it did not indicate a time period from which the past due balance had accumulated, nor did it indicate why the balance was outstanding. 

Representatives from Accounts XXXX continue to call, XXXX times per day. Representatives have even left messages for other individuals, on my voicemail. Representatives continue to threaten further legal action if the balance is not paid.
Consumer complaint received 2016-11-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (CA)

I had spoken with a rep from the dept. of education in XXXX of 2013 about putting my student loan accounts in deferrment because my income was limited, and I was told I was eligible to place these loans into deferrment. On the phone, I asked them to place the loans in deferrment, and to my knowledge, they had been deferred. Only to find out a few months later, I found out that the loans actually did not get deferred per my conversation with the rep. Once I found this out, it was too late and the late payments had already greatly affected my credit rating. I immediately caught up on the loan payments and have been caught up ever since. I am in the process of buying a home, and this is plaguing score, and unjustly so. I would like it to be removed, and a letter sent stating that it will be which I can provide to my home loan officer.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (PA)

I was completely taken aback when I saw inaccurate accounts on my credit report this morning. Im at a loss as to how they even got there. I do my regular checks, and today, out of nowhere, there were discrepancies that just dont make sense. I even refreshed my browser, hoping it was a glitch, but the errors didnt go away. Im really frustrated by this and just want to ensure the documents Ive sent are carefully reviewed so I can stop worrying about this happening again.
Consumer complaint received 2016-10-31
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Debt Recovery Solutions, LLC (OH)

Recently while conducting a monitor of my credit report I discovered that DEBT RECOVERY SOLUTIONS # XXXX has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from XXXX XXXX but I am unaware of the amount due and your bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPAA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to DEBT RECOVERY SOLUTIONS to release my medical information to a third party. I am aware that HIPPAA does allow for limited information about me but anything more than basics to only be revealed with the patients authorization, therefore my request is two fold and as follows, Validation of Debt, and HIPAA authorization. 
1.Please provide breakdown of fees including any collection costs and medical charges 2.Provide a copy of my signature with the provider of service to release my medical information to you. 
3.Cease any credit bureau reporting until debt has been validated by me. 
4.Please send this information to my address listed above and accept this formal complaint as my formal debt validation request, which I am allowed under the FDCPA. 
Please note that falsification of the information you received from any medical provider can be percieved as a HIPAA compliance violation as well as a violation of the FDCPA because you will be deceiving me after my written request of debt validation. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it may be a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency