BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was given credit for dental work by Care Credit and and saw a dentist for XXXX in 2013. Care Credit never once sent me a bill for the amount owed ever, no way was offered to pay the bill, then after twelve months they closed my account as a right off and sent it and a collection agency. They also reported me as delinquent to credit bureaus yet never once sent me a bill to pay or statement that my account was past due. I allege violations of law and bad faith on part of Care Credit. I want to delinquency to my credit reversed because I was never sent a single bill or even past due notice before my account was closed and sent to a collection agency. I also ask that Care Credit be held accountable. 

Care Credit engaged in deceptive practices and acted in bad faith by never sending me a bill and failing to notify me my account was delinquent or being sent off for collections.

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 2023-08-10
Company: Westlake Services, LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I purchased A vehicle on XX/XX/23 went to return this vehicle 3 days later because it's a lemon. Transmission is gone, vehicle had all fluids like none. I went back to the location in XXXX XXXX where I purchased and the dealership was closed down. I've been calling for help since and no help at all. They want you to keep making payments on a broken vehicle. I put in a claim to repair. The place where they tell you to bring the vehicle will not honor the claim because they said they will not get paid. This has been a nightmare. Now it's time to retain an attorney for help. This is the worst experience I've ever had. If I could put XXXX stars it's still not good enough. I've paid XXXX for a down payment, XXXX a month for the note, XXXX. For an extended warranty that is no good. Also XXXX. For good year to tell me that this vehicle is a lemon. Ca n't drive over 50 miles the vehicle cuts off. Also having a problem with billing. They're saying I owe them XXXX and I do not owe anything. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: NEW YORK COMMUNITY BANCORP INC
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I received California XXXX XXXX XXXX XXXX open card, registered got a pin. Tried to use it. Didn't recognize the pin. tried to call on XX/XX/31 and XXXX Numerous times. Tried to reset the pin. It is a scam you never can get through to resolve any issue. Response, don't recognize your account number etc. Or disconnect you. Or high volume call back later. 

Spoke to a friend who also had the same problem. He XXXX had access to a private cash register ran the card and had to pay the shopkeeper the fee. 

It is XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 2020-07-28
Company: Flat Six Holdings Inc.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
On XX/XX/2020, I went to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX for a payday loan. There was an advertisement for a loan from Crestline Finance, advertising a 19 % loan. I was able to qualify for {$600.00} to be paid in one month. I was informed of an annual {$30.00} charge. I signed the loan agreement. On XX/XX/XXXX, XXXX, XX/XX/XXXX and XX/XX/XXXX, I paid approximately {$670.00} and in return received {$570.00}. I questioned the fees but was never given a clear explanation. I called Crestline on XX/XX/2020 and informed them of my intent to pay off the loan on or about XX/XX/XXXX. I wanted to avoid any automatic deduction and was told the only way I could stop the ACH which I had never used was to write them a letter. They would not provide a fax or email notice. So I sent a Priority letter on XX/XX/2020 indicating that I no longer agreed to an automatic deduction. I then went to both the physical store and called Crestline to discuss what I believe to be undisclosed fees. I finally discovered that I was paying a 10 % fee each month for use of a third-party processor? There is no mention of this fee in the contract, nor could anyone explain why it was necessary since I paid in cash at the store on each due date. I called Crestline and attempted to resolve the matter but I was put on hold and then the telephone call was disconnected. 
I have attached the loan agreement, along with the transaction history from their website which does not include the {$60.00} charge. However, I also submitted a copy of a the referenced receipt and it shows a payment of the {$60.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-17
Company: Avantus, LLC
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I just checked my credit report and it shows multiple hard inquiries that i did not authorize and i am asking for it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: LA
Product: Prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I was given a {$30.00} American Express gift card ( non reloadable ) and tried to use it for various purchases, but was declined each time. I tried XXXX, XXXX XXXX XXXX, and XXXX and they all declined. None of those transactions were over {$10.00} so the balance wasn't the issue. The card was activated successfully according to the instructions on the back of the card. The website says it should work at any merchant that accepts American Express, but that just isn't the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
XX/XX/2023 I deposited a check from my lawyer in the amount of {$6500.00} and since XX/XX/2023 JB Morgan Chase restricted my account stating I had to wait until XX/XX/2023. On XX/XX/2023 my account showed the cleared funds from the deposit of the check but Chase still had my account restricted. With in 3 days of the cleared funds Chase Suspended my account stating the check couldn't be verified. I have been communicating with Chase and My Lawyer since XX/XX/XXXX via phone. Now My Lawyer ( XXXX XXXX at XXXX XXXX XXXX XXXX  ) is stating he is going to issue a Warrant for my Arrest stating I'm harassing him by asking what phone number should I provide Chase to verify the check which is what Chase is telling me I need to move forward. I'm completely at a lost of words. If Chase received the funds and the check cleared with NO dispute of payment why are they holding the funds and suspending my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-21
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.

You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD
Product: Credit reporting or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
They can delete it so I don't get it They have not allowed you to open a bank account since 2017

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 2016-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
communication tactics Seized or attempted to seize property Used obscene, profane or other abusive language continue to advertise property as foreclosure after debtor seek relief In the days following bankruptcy filling. the debt collector capital one, Na law firm XXXX XXXX XXXX XXXX have approved the use of XXXX or even orchestrated it .from evidence and actions and the pride inspired by this third party .the debt collector only way was to play on the old fear, bulling and treacherous. 
inflict XXXX to collect a debt, that include the third party inflicting XXXX orchestrated by XXXX XXXX XXXX XXXX and capital one, Na these debt collector moral compass is off course. they seem to have take the position that they are above the law. 
Portraying their actions as perfectly permissible. TO COLLECT A DEBT. The debt collectors CAPITAL ONE, NA XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
On XX/XX/2022, I, XXXX : XXXX, Beneficiary, sent correspondence to SYNCB/PPC " Paypal '' at XXXX XXXX XXXX XXXX, FL. XXXX regarding a major violation on their behalf against my consumer protected rights. After they received my correspondence, they are fraudulently and maliciously causing me harm by reporting my consumer experience by means of credit utilization which is in fact ILLEGAL. According to 15 USC 1681 ( a ) ( 1 ) my consumer experience is NOT included in " consumer report ''. I attempted to address this matter directly with said company and they are continuing to report on the utilization of the account. Please address this matter with them immediately. I am currently gather my documents for my next step which is to take aggressive legal action.

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 2023-11-30
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Trying to communicate with the company to fix an issue while managing or servicing your loan

Complaint:
Lakeviews site has been down and when I contacted them I was told their site was under maintenance, not to mail payment. They could not provide more information and did not disclose that there had been a security breach, which I found out on XXXX. XXXX access is also down. The representative could not provide a direct answer on whether or not there would be late fees if the access wasnt restored before the due date and also made no mention of data at risk. The websites do not provide any information about the breach.

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 2015-07-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have a XXXX credit card with Capital One and it includes a 1.5 % cash back on all purchases. Yesterday ( XXXX/XXXX/15 ) I saw a Capital One ad on TV stating that XXXX cards pay 2.0 % cash back. I called CapOne today and they said my card is stuck at 1.5 % and only new applicants for Spark cards get the higher rate. They refused to raise my cash back rate. The ad did not specify " new applicants '' ; it mere said XXXX cards deliver 2.0 % cash back. That is blatant false advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: Bull City Financial Solutions, Inc
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
According to the report it states that in XX/XX/XXXX this account was delinquent for XXXX dollars from XXXX XXXX. I was never contacted about this debt. Not by email, phone, mail, nothing. This shouldve been paid with my deposit that was given when the electric was turned on. I was never sent a check from my deposit either. 
I believe in XXXX of XXXX is was sold to XXXX XXXX financial. Who also NEVER contacted me, not by email or phone, or mail. I checked my credit score and found they had added this as a collection. 

On XX/XX/XXXX I attempted to contact XXXX XXXX and upon discussion with someone they were unable to provide me with any documentation. She had no information on my account, only that XXXX dollars was owed. She didnt know what for, there was no indication of a check being sent to me, or a final bill that was showing unpaid. She prompted me to contact XXXX XXXX XXXX. Upon calling them I asked for any information to be send to me, which they claim they did via mail but I have yet to receive anything. Told them they needed to take this off of my credit report as there is NO documentation of why I have this debt. He refused and said the only way is for me to pay it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-23
Company: BAM Management US Holdings Inc.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
My account at Binance.US was locked ( unable to trade ) due to a chargeback of {$2000.00}. The deposit was initiated on XXXX and I was not notified that it failed until XXXX. 

Once notified, I immediately resolved the balance issue by depositing {$2000.00}. 

The email notification about the chargeback promised " You do not have to create a ticket or follow up about this matter, we will check your accounts status in a few days to see if its been covered to unlock you. '' Nevertheless, I opened a ticket on XXXX to track my account reactivation. 

By XXXX I still had a lock on my account. I responded to the ticket to nudge the issue. No response was received, until XXXX, after my second request for a follow-up on XXXX. I was assured that someone would look into my account. Two days later, on XXXX, I received an update on my support ticket : " I'll have our clearance department unlock your account. I'll let you know once it's been unlocked as soon as possible. '' But this has yet to occur. It is now XXXX, and my account is still locked. I am unable to trade, and my portfolio has lost around 30 % of its value while I've been left hanging.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-30
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
This debt engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnished this account that we didnt agree upon and I didnt sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didnt follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-30
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the fair credit reporting act XXXX  account XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A.States I Have The Right to privacy.

15 U.S.C 1681 section 602 A section 2 states a consumer reporting agency Can not furnish a account without my written instruction

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 2021-05-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Account status incorrect

Complaint:
My complaint is with Multiple credit Bureaus. 
My first complaint with with Transunion regards to incorrect, and items that are on my credit report that do not belong to me. 
The following are the companies that where allowed to be added to my report : -XXXX XXXXXXXX XXXX XXXX XXXX XXXX-never had an account with this person/company. 
-XXXX XXXXXXXX XXXX included in bankruptcy XXXX XXXXIdentity theft that occurred in California that I could not resolve. shows in Bankruptcy which is not correct. 
XXXX-was dismissed in Civil court in XXXX California due to Identity theft. XXXX is the docket number XXXXletter received ( 2 letters ) from XXXX advising that they can not locate this record. Second letter dated XX/XX/2021 stating that this ( debt ) was sold to XXXX XXXX and they do not have any information. 

They also have several address and names listed that have never been my legal name, and address. 
I continue to write dispute and try to make things right. Nothing happens. 

My names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( current )

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 2023-08-10
Company: Ocwen Financial Corporation
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Complaint details : PHH MORTGAGE SERVICER has changed their payoff quote several times because they alleged they overpaid the insurance premium. 
We sold the house and the title company wired the funds to PHH as of XX/XX/23. 
PHH never credited that they received the funds. They insisted that we pay them $ XXXX. 
They told us they would charge us attorney fees foreclosure fees etc if we did not pay immediately. 
The XXXX XXXX XXXX sent us the refund. 
Because of the confusion I submitted a complaint to the XXXX and PHH response letter indicated that they can not verify they overpaid the insurance and that I can claim the refund. They also said our account was not in foreclosure and that they admit no error. They advised by emailed letter there was an outstanding set of fees totaling {$170.00}. We immediately notified the title company and provided a personal check so the outstanding balance could be wire transferred. 
They would not confirm that the account was satisfied. The escalation department and customer service has advised us that we owe several different amounts. 
I do believe we are entitled to claim the insurance overpayment because according to PHH Website we owed $ XXXX but they made us pay $ XXXX so we thought that was them charging us for what they paid the insurance. I am requesting correction and that they abide by the letter that their research department has sent. We should not be charged anything above the amount demanded in the original pay off quote. We made the payments in good faith and we are not responsible for any errors or miscalculations. PHH held our funds for 30 days before returning to the title company on XX/XX/23. We need immediate intervention and I would also like them to immediately provide a lien release to us. The Title company attempted to send all the funds again this week and the funds were returned by the mortgage SERVICER.

Company response to consumer: Closed with explanation