BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-07-11
Company: COLLECTION BUREAU INCORPORATED
State: ID
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX I was seen by a care provider that goes by the name of XXXX XXXX. My insurance was not billed correctly through them and I was trying to dispute the amount of {$140.00} to bring it down to {$40.00} which is my copay. In the process of doing so, the account was automatically turned over to Collection Bureau Incorporated in XXXX Idaho on XX/XX/XXXX. XX/XX/XXXX Collection Bureau/ XXXX XXXX XXXX XXXX . ( Attny. And owner of collection Bureau LLC. ) served legal papers to collect this debt plus the incurred charges as followed : The original debt of {$140.00} from XXXX XXXX Attny fees of {$140.00} COURT COSTS : {$160.00} PROCESSOR FEE : {$30.00} AND 12 % INTEREST : {$9.00} TOTAL AMOUNT IS NOW {$480.00}. When I call them to resolve this matter, they told me they made several attempts to call me and send me letters in the mail. I received one letter and one phone call only and let them know that I was disputing this matter with XXXX XXXX and my insurance. Not once did collection Bureau inform me that they were going to file a claim against me if it was not paid in a certain time frame. I believe that this attorney is double-dipping and taking advantage of people that are already having a hard time paying their bills it seems that this should not be legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-09
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I simply placed an inquiry on line to be " preapproved '' for a loan amount and was then asked to " verify '' my information. The verification of my information was then taken by the company as a signature for the loan repayment. I never saw the terms of the loan, the APR percentage was only revealed after I verified my identity. Nowhere on that verification did it say that I was agreeing to the loan or the terms. The APR was then revealed to be 148 % of the original loan amount. When i attempted to return the money to the lendor, they stated that they could not take the money back but that I had agreed to pay it over the length of the term. Fraudulent and predatory practices!!!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-07
Company: Linebarger Goggan Blair & Sampson LLP
State: HI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In the past, I have received debt collection notices from other debt collectors for XXXX XXXX, which is missing a letter from my name although they are similar so I keep receiving this person 's debt collection notices. In the past companies have disclosed that my SSN is one number different than the individual in question. In the past, the debt collection was from XXXX and CFPB helped with resolving the issue because the company was still sending notices after I disputed it. Now I receive another letter from Linebarger Goggan Blair & Sampson, LLP regarding unpaid tolls and penalties that are owed to the XXXX XXXX XXXX XXXX. I keep receiving debt collection notices regarding this XXXX XXXX, who is not me. This letter has a reference # XXXX and account # XXXX. The debt collection amount is {$100.00}. I would like to resolve this issue and stop receiving debt collection notices for another person debt. This has affected my credit in the past and as a service member, I need to ensure my credit is good. I have called the number on this letter and the man did not help and just I had to dispute it with proof, but I can't provide that without disclosing my personal information like SSN.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Paypal Holdings, Inc
State: LA
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 opened an account on XX/XX/XXXX with venmo and I deposited {$200.00} and then immediately after that they said they had to close my account and would hold my money for up to 180 days for no reason and I just want my money and they can disheve whatever the XXXX is wrong with you wherever the sun don't shine cuz I really don't give a XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Topic : Regions Bank is involved in misguided advertisements and collects hidden fees that were not disclosed with the promotional material. 

I received a promotional code ( XXXX ) from Regions Bank with an offer to receive {$400.00} bonus upon online account opening and making XXXX debit card transactions. 

In order to receive the offer i opened the account on XX/XX/2021 with online deposit of {$400.00}. 
Note : 1 ) I received debit card late for me to complete the XXXX debit card transactions. Some transactions got delayed posting on the account. 
2 ) I called the customer service XX/XX/2021, inquiring about {$400.00} bonus. I was told that it is for the branch discretion if they would honor the {$400.00} as i have delayed posting to the account. 
3 ) I was charged $ XXXX monthly fee for XXXX month. Upon calling the customer service i was informed that i should have minimum $ XXXX to avoid fees. I deposited funds through XXXX to be above {$500.00}. 
4 ) I was again charged $ XXXX monthly fee for XXXX month. Upon calling the branch, i was told that the minimum requirement for the account is {$1500.00} or payroll direct deposit. This was never communicated to me in the promotional offer letter ( enclosed ) 5 ) I was told the branch representative will call to address my concern. I did not receive any calls from Regions Bank. 
6 ) At this point, i wanted to close my account. I was informed that it will cost me {$25.00} to close account, if the account is less than 6 months from date of opening. This was never disclosed on the promotional card enclosed for reference. 

Regions Bank is operating a SCAM scheme of duping innocent borrowers with bonus offers and false advertisement.

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 2017-07-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I provided the XXXX app with my Bank of America banking login information for the purposes of earning reward points based upon their monitoring of my credit card charges at specific merchants. I made several purchases at XX/XX/XXXX which was one of my selected retailers which initially tracked and I earned points from ( XXXX points per dollar spent at XX/XX/XXXX ). Recently my purchases have stopped tracking. However, the issue is that I redeemed XXXX points for a {$20.00} XXXX gift card which I have yet to receive after one week ( FAQs state payouts will be made within XXXX days ). I 've submitted multiple inquires to XXXX and it seems they will not pay out saying my account has been flagged for my safety. Their responses are generic and not informative. If there was an issue with my transactions, Bank of America would advise me and it is not XXXX XXXX job to do so. XXXX is simply there to monitor transactions to provide rewards. If they do not pay out what I rightfully earned, they are a scam and need to be shut down immediately seeing how their business involves gathering consumer 's bank account login information and monitoring financial activity.

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 2022-10-03
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
This complaint is an addendum to the complaint of XX/XX/22. 

Comenity Bank continues to fail to address my complaints. 

They have not reported by credit information to the credit bureaus for more than 45 days. 

Their rewards program continues to stay broken. Update : they have reduced my outstanding rewards by half. I continue to be unable to redeem any rewards. 

This bank is operating like a shoddy organization now going on 5 months. I don't understand how they can fail to address issues for actual MONTHS and get away with it. This bank is a failed bank. 

As of today I can not log in and I can not recover my login and create a new password. I am locked out of their website. 

Thank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES from my credit report immediately.

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 2017-07-09
Company: EQUIFAX, INC.
State: PA
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:
I 've sent many letters to each COLLECTION AGENCY to remove CLOSED ACCOUNTS and to provide proof that i authorized and if they CAN provide proof to send it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Applied Data Finance, LLC
State: MI
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:
The account with PERSONIFY with account XXXX been closed for so many years but I kept on seeing it on my credit report. This account has no payment history record. I'm not sure if the 2 Bureaus have conducted a thorough investigation prior to reporting this account to be derogatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: Experian Information Solutions Inc.
State: TX
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:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against 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 non-monetary relief
Consumer complaint received 2021-09-21
Company: Buffaloe & Associates, PLC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
My personal information/identity got stolen on XXXX & was sold on the black market. I have received numerous calls throughout the years from fraudsters claiming that I owe money, that legal action will be taken, and even threatened. I have contacted the Federal Trade Commission, the XXXX XXXX XXXX, & have also worked with the NY Atty General 's office in the past regarding various scams. Recently, I received a letter, which I'm uploading with this complaint, from a so called atty 's office stating that I owe a debt in the amt of {$1500.00}. No proof or documentation was included with the letter nor do I recognize the supposed name of the Creditor. It states in the letter that the Atty 's haven't personally reviewed the circumstances of my acct. I've tried contacting the law firm numerous times & the phone just rings. I researched the firm online & there have been several derogatory complaints such as what I have mentioned above including not being able to communicate with this law firm.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: SYNCHRONY FINANCIAL
State: DE
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Had a CareCredit account used for eye glasses and dental charges. Through no request from me company sent a CareCredit XXXX. After several notices both print and electronic I did activate the XXXX ... the initial account with the promotional offer was closed and the balance moved to the XXXX. The promotional offer on the balance expires XXXX XXXX. As far as I was concerned, once the balance was moved to the XXXX the promotional offer should have become null and void as the balance was moved before the promotional offered expired. Therefore, I should not be subject to fees that will be incurred because the balance was not paid in full. This is not how the credit card company views it, however, I beg to differ. I view this as criminal intent to squeeze me for the fees not charged during the promotional period and although I requested the balance be charged to the credit card of my choosing, I was inform I could n't do it but that is exactly what the company did. They move the account to a credit card albeit it was their own and still plan to charge me the fees once the promotional period expires.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: EQUIFAX, INC.
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The Equifax Credit Bureau is reporting inaccurate information on ( Original Creditor : ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAINE & WEINER COMPANY, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The XXXX Credit Bureau is reporting inaccurate information on CAINE WEINER ( Original Creditor : XXXX XXXX XXXX. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX I received my EIDL funds after 8 months of waiting for sba approval and the day I get it capital one decides they want to hold my funds and investigate it for fraud so I play their game and give them the documents they asked for and they just continue to say its being looked at, wont give me a eta or when they will be done with their investigation even though I went through a rigorous 8 months just getting approved for it by the sba they dont think it was good enough and no one will give me any info about my money, and from what others have made complaints about is that you guys say, after months of holds on funds, that it will be sent back to sba but they dont get the funds and now people like me are left on the hook for the whole loan amount even though we didnt get the money and we are left out to dry, this EIDL loan was my saving grace..and to that you guys say no, had working Americans barely scraping by will have to suffer, this is not ok, Im just trying to get back on track and get back to normalcy,

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
money was taken XXXX to XXXX in the amount of $ 12-14 per month although the money was being deposited by the SS Department on a monthly basis that required no monthly fee. Bank of America has refused to return my money in the amount of approximately {$1800.00} I have written them letters to try and resolve this issue, but they refuse to acknowledge their errors.

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 2017-07-11
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was XXXX on XXXX of 2016 and during that time frame I was under the impression that my mortgage was being auto drafted out of the account. Due to some issues with my pay with Government my payment wasnt being deposited on time to my checking account causing payments be missed applied everywhere. Since that time frame I have paid off the balance on both my 1st and 2nd Notes with Ocwen Loan Services. I am now trying to relocate due to my orders to XXXX XXXX, Texas and am in the middle of trying to purchase a home and can not due to the lates on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Identity theft protection or other monitoring services
Sub-issue: Problem with product or service terms changing

Complaint:
Freezing my credit needs to be free. Credit monitoring is no longer an effective solution after the equifax breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-16
Company: MidAmerica Mortgage Inc
State: OK
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Not sure exactly when we applied, but the first time our credit was pulled was on XX/XX/2021. Since then, we have been constantly getting current document 's to send them every few weeks. We paid off collections and shown proof of such ( as stated in HUD 's S184 Guidelines ). They do not fallow said guidelines very tightly. It's suppose to be " flexible underwriting '' but it seems as if they are fallowing whatever guidelines as if it wasn't section 184. It has taken 9 months for a " pre-approval ''. Now they are telling us that we need a pin/stake survey prior and post closing that will cost $ XXXX {$2000.00}, after they told us and set up for a survey post closing for {$450.00} ( they set this up about 5 months into this process ). Now here we are 10 months in and getting conflicted on what the next step is. This process has been very invasive and frustrating. We have submitted all documents that were requested, and saved up more money then what they had told us we needed. After everything that has been asked of us, there has always been more document 's needed and never any good information about whether we are approved or not or what the next step is. It has just constantly been a barrage of " I know we haven't called you in a month so we need another months worth of all these documents ''. This has been very emotionally draining for the last 10 months and we feel like we are being tossed around while they just make up more documentations for us to come up with. There is a huge lack of communication. We will be contacted one day and told we will receive a phone call later that day or the next day and a week will go by without hearing a word and we won't hear anything at all until we call them to remind them that we are still alive. Then it's the same excuse again about getting a call soon, and then another week will pass by, we will call, and they need more paperwork again. I've had better luck getting a phishing email to respond to me then this bank. I get that applying for a mortgage is a very rigorous process but when 10 months ( so far ) could be compressed to 3 or 4 months it is ridiculous. When asked for something we would turn it in within 24 hours. The only time they were waiting on us, was when we paid something off and had to wait for letters in the mail. 

We don't know what else we need to do from here on out. We just want to move forward and get the outcome that we have been working towards.

Company response to consumer: Closed with explanation