BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-04-01
Company: Bread Financial Holdings, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid off my XXXX credit card in full on XXXX the XXXX with a telephone representative of Comenity {$1200.00} The amount was processed and they provided me with a confirmation number and my credit union placed a pending payment notice on my account.

About a week later the moneys were still in my account and I emailed Comenity requesting that they take the money and credit my account and show as paid in full no balance due as of XXXX the XXXX. 
I did not receive any response, I later called them directly and was told my account was in default and my payment was returned for insufficient funds .... 
I HAD {$100000.00} in my account the day of my payment and {$90000.00} on XX/XX/XXXX, the day that I spoke to the representative. 
I ended the call and immediately resubmitted my payment of {$1200.00} via the Boscovs/Comenity app and later in the week I called to speak to someone and inquired about my account and confirmation of payment issued to them. 
I spoke to first an incompetent XXXX, then called back and demanded a billing supervisor, I spoke to her and was told that I submitted my bank account number missing one digit ... XXXX I expressed disbelief and was told that she would open an investigation and review the recorded conversation on XX/XX/XXXX to confirm that it was I that was responsible for the error and that I am liable for the late payment fee as well as the additional interest accrued on the balance due, I still have no response to my inquiries. 
Today I checked my credit card account and I am being charged again for late fees and interest credit accrued again, even though there was a dispute filed. 
One. I paid off the account balance entirely on XX/XX/XXXX and Two. I do not owe anything more on the account. 

I want my account to show paid in full on XX/XX/XXXX and to be reported as such to all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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 recently applied for a credit increase with my XXXX card I have had for 2 years with an XXXX credit score via their own Credit Wise site. I was denied with two reasons listed. The first was your average monthly payment has been too low which their solution stated as generally if you make more than your minimum monthly payment on time for three months you can reapply for a credit increase. During the entire time I have had this account, I have consistently paid 2-3 times the minimum payment every month which makes their first reason entirely FALSE. The second reason given was recent usage of this account for monthly spend has been too low so I am being penalized for wishing to pay down the balance on my account. I then called Capital One to speak with an agent who was incredibly unhelpful. Her only response was credit is very complicated and we can not discuss this with you and abruptly ended the call. This means there is no way we can even attempt to discuss the erroneous information given to me nor to correct it. Capital Ones arrogance in this matter is reprehensible with their attitude of whatever we say is the truth and we dont care of any circumstances that may need clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: WELLS FARGO & COMPANY
State: KS
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
On my credit report it shows a auto installment loan 30 days delinquent - closed {$0.00} amount due. This information is located under my accounts as a Poor. This vehicle was a XXXX XXXX financed with Wells Fargo. The vehicle was XXXX, but is still on my credit report. I called XXXX spoke with a gentleman who transferred me to XXXX, spoke with a lady who transferred me back to the XXXX number. All I 'm getting is the run around and NO help. When I asked to speak with someone that could help me, she informed me there was no one available, but once I mentioned turning this issue over to the Attorney Generals office she wanted to transfer me to the President of Wells Fargo. 

I appreciate your help in looking into this problem, personal information listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, KS XXXX XXXX Unfortunately, we have a XXXX XXXX XXXX financed through Wells Fargo at this time. But it is not the vehicle I 'm making this report on.

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 2018-06-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have tried to have this issue remedied previously but Portfolio Recovery Associates still has not removed their account from my credit. After I submitted complaints and disputes about them appearing as a factoring company and reporting a collection account as an open and past due account they have since increased the balance they show I owed. They have added on extra fees to my balance they claim I owe and they are not allowed by law to increase the balance of an account that was from the original creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
On or around XXXX XXXX, 2020 someone charged fraudulent purchases to my Lowe's/Synchrony account. The charges were promptly reported and the account cancelled. During the course of transferring my balance to a new account, a Lowe's/Synchrony representative appears to have transferred one of the fraudulent charges ( {$360.00} ) to the new account at an interest rate of 26.99 %. I have repeatedly called Lowe's/Synchrony every month for the past five months and have been passed from department to department trying to get this resolved. They have repeatedly cost me time and money! Contemporaneous with the filing of this complaint Lowe's/Synchrony has charged, billed, and cost me {$580.00} because of their negligence to date. I have complained to customer service repeatedly ; however, it always ends up with one department blaming another department and transferring my call to that department only to be redirected back to the department they just transferred me from.

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 2020-02-07
Company: Paypal Holdings, Inc
State: NH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing

Complaint:
Dates:XX/XX/2020 Amounts : {$520.00} {$500.00} {$200.00} action taken by you : Consumer Financial Protection Bureau File a complaint Paypal unable to refund my money that belong to me misleading advertisement receipt say contact Paypal for support . Contacted Paypal No support Permanent limitation Contacted US Congress XXXX XXXX XXXX Delegate to United States House of Representatives Office seemed powerless to stop Paypal from limiting accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Southwest Credit Systems, L.P.
State: PA
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:
To Whom It May Concern : I have recently been informed that there is negative information reported in the files you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see inaccurate entry listings. SOUTHWEST CREDIT SYSTEMS {$240.00} SOUTHWEST CREDIT SYSTEMS {$690.00} I challenge the accuracy, compliance and reportability of these listings. There is no valid claim, no contracts exist ... accounts were settled with creditors and has been confirmed.I have never been late either. I am quite appalled and indignant. ( Debts can not be collected twice ).

Grave errorsfalse claims and reportingsI want these accounts removed immediately or litigation may follow As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification.I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount.Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed items are inaccurate and incomplete and represents a very serious error in your reporting.

You must provide me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

Please be advised this is against F.C.R.A. law and is a violation of my rights..

Failure to respond satisfactorily within 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: AMERICAN EXPRESS COMPANY
State: DC
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:
American Express contacted me and made me an offer to pay an outstanding balance as agreed on XX/XX/XXXX. We entered into a contract and they sent me a letter of confirmation of offer on XX/XX/XXXX. I made a payment in full in the amount of {$1100.00} on XX/XX/XXXX and American Express mailed me a letter on stating that agreement has been met. 

I was shocked to receive a Cancellation of Debt letter from American Express Company mailed to the week ending XX/XX/XXXX. In the letter it shows that after 30 days after we entered into a contract on XX/XX/XXXX they breached our contractual agreement and issued me a Cancellation of debt notice in the amount of {$1100.00}. American Express has breached our agreement for a total amount of {$2200.00}. This has not only imposed a monetary damage on me but it has also impacted my credit standing. American Express engaged in unfair business practice by entering into a contract with me and then breaching it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I recently received a copy of my Experian credit file where I noticed several issues I contacted the credit bureau and advised them of said errors however some of the disputed incorrect items are still appearing on my credit report ... all errors are listed below 1. Incorrect name appears on report I was previously the victim of IDENTITY stolen the person who used my information used the name XXXX XXXX my legal name is XXXX XXXX XXXX and Im have provided proof of legal name change I was allowed to change my name back to a previous name as the XXXX name was stolen ( presumably by previous family ) and also tied to XXXX XXXX for my safety I have requested that only the name XXXX XXXX XXXX be listed on my file any valid accounts would have the name XXXX XXXX XXXX 2. There is a bankruptcy listed in my public record section of credit report this is not my account ... I asked Experian to confirm the source of this information they state XXXX county courts however they have no record of this information and advised that they have not and do not report to Experian

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 2020-05-08
Company: Experian Information Solutions Inc.
State: TX
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: Problem with personal statement of dispute

Complaint:
I used Experian Premier Membership until XX/XX/ 2019. At that time I canceled my membership with Experian. However, they have continued to bill my debit card each and every month since I canceled and have not refunded the overcharges. They have billed my debit card XXXX every month ( XXXX, XXXX, XXXX, XXXX, and XXXX ). They have claimed they can't find my membership since I canceled. The membership is under my email ( XXXX ). The membership number is XXXX. I can still log on to the free service so I am not sure why Experian is unable to find this.

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 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
XXXX XXXX XXXX capital one threat jail time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I agreed to payXXXX on XX/XX/2018. I called in XX/XX/2018 and paid it early. Days later I learned they had taken a additional payment ofXXXX. I called to resolve the error and have not been able to. They lied stating I committed fraud and closed my account further damaging my credit. I still did not receive the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-23
Company: PNC Bank N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On XX/XX/2021, the ATM machine at the PNC Bank located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Florida XXXX, took in my cash deposit without properly accounting for it. The machine failed to capture the actual transaction by way of not producing a receipt. I, then immediately notified a bank associate. This associate informed me that he had no access to the ATM machine and that it was procedure to wait for a company that accesses and verifies transactions. Subsequently, I was given a temporary credit by the bank while they conducted an investigation of this unfortunate event. They denied my truth and sent me a letter a COUPLE months later one night before the given date, which cause my account to spiral in the negative direction. This letter in quote read, " we have completed our investigation of your claim and determined that no error occurred in the processing of this transaction. Please be advised that the provisional ( temporary ) credit totaling XXXX that had been previously credited to your PNC Smartaccess card will be reversed on XX/XX/2021, which is five business days from the date of this letter '' being XX/XX/2021. With that being said, I did not receive this letter until the night before the given date which left me little to no time to react to it. I am concerned that they will try to put this on my credit report erroneously. I am already a victim of fraud and this has caused me more distress and an insult to injury. The bank is supposed to be a protector for consumers against illegal and fraudulent activities and not to be the perpetrator of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX  XXXX Account # XXXX I paid this account off in XX/XX/2011.

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 2021-11-30
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Since XXXX I have been disputing an account on my XXXX credit report that is not mine every other credit reporting agency removed it XXXX won't. 

FAIR COLLECTIONS & OUTSOURCING Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$6.00}, XXXX past due as of XX/XX/XXXX. 
Status updated XX/XX/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 2019-08-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
XX/XX/2019 I sent disputes with no response. XX/XX/2019 I sent complaints that the 30-day regulation per FCRA was violated. Still no response. My rights under the FCRA have been clearly violated. I have included the items below. 

ACCOUNTS XXXX XXXX XXXX  XXXX not mine XXXX XXXX not mine COLLECTIONS XXXX XXXX {$280.00} not mine XXXX XXXX XXXX {$890.00} not mine

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 2020-02-07
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
Student Loan reunion corporation has very high interest rates. They are more than doubling my total costs to pay back this loan. This is such a scam. They should be forced to pay me back all my interest and relieve the principal. 

There should be a fixed rate for student loans this is so XXXX  how they can change numbers on customers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-07
Company: LoanCare, LLC
State: MA
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 was shocked when I reviewed my credit report and found late payment on the dates below : LOANCARE LLC Late Payment XX/XX/XXXX XXXX  only XXXX Late Payment XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX Late Payment XXXX XXXX XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.

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 2018-02-22
Company: LendUp Loans LLC
State: IN
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I believe I was overcharged on loans I payed off early.. I have been charged {$36.00} to {$38.00} on loans I payed off early.., Shouldn't the amount of interest collected be adjusted for the early payoff.,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-08
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I am a single homeowner, solely responsible for my mortgage. I unexpectantly became unemployed due to no fault of my own. I requested a forbearance and received it. After the forebearance period I started making payments again. In desperation I had to take jobs that were not suitable for me. I lost my job again, then I started having symptoms of COVID and I have not been able to look for new employment. My mortgage servicer started the foreclosure process. They gave me false hope that they wanted to help me. 
Their solution is a scam that takes advantage of a persons hardship. 
I have been paying for my mortgage since XXXX. I used money I made from the home I owned since XXXX to help pay a down payment on this loan. So in reality everything Ive paid as a homeowner is tied to this home and loan. 
The servicers or XXXX XXXX solution is to modify the loan to a 40 year loan. 
That is nothing but a scam that will never allow a person with a mortgage get on their feet an actually one day own their home. 
Its unethical and needs to be regulated and scrutinized. XXXX XXXX was set up by Congress. There should be oversight into this type of homeownership scams? How can this be allowed? Why is there no help for a person in my situation? I do not want to lose my home but a 40 year mortgage is ridiculous. Id be XXXX before I could pay it back. 
The money that goes toward housing counselors is a joke.its wasted money that would be better spent with a Ethics committee overseeing the housing industry and services XXXX XXXX  and PNC are using unscrupulous immoral practices to hang desperate homeowners. 
Where is congress? Where is help? Where is hope? 
Its all a scam! This needs to be made public,. 
No one deserves to be taken advantage of in this way.

Company response to consumer: Closed with explanation