BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-01-31
Company: STERLING BANCORP
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I had held a " Totally Free Checking Account '' with XXXX XXXX XXXX for longer than 20 years. About two years ago, XXXX XXXX XXXX  acquired XXXX XXXX XXXX  and my checking account. About a year or more ago, XXXX XXXX began charging me {$10.00} per month for having a low balance on the account. I received no notice prior to the " fee '' being removed for my account. I stopped the automatic deposits into that account and asked the bank to close the account. They informed me that I would need to visit them and bring identification in order to close an account that they did not want to service.This is a hardship to me as I have mobility problems. 

I am asking to have my now unfunded account closed and to have my " Totally Free Checking Account '' agreement respected. I am asking for a refund of the monthly {$10.00} deductions. I would like my money returned as I never agreed to banking with fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Experian Information Solutions Inc.
State: NV
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:
Hi, I need help Please : I need to have a meeting with you to talk about the physical damage that has come to us due to incorrect reporting by the company credit report. 
Thanks

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 2020-09-15
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I HAVE CHECKED MY CREDIT REPORT THERE WAS SEVERAL INQUIRES ON MY CREDIT REPORT THAT I DID NOT DO.SOMEONE USE MY NAME TO APPY FOR CREDIT FRAUDULENTLY I HAVE INCLUDED MY FTC 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 2021-08-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
i have aske capital one 360 savings on several occasions to release my funds totaling over {$2000.00} and they refuse to do so. They have been holding my funds for over 2 years and they wont release them. I need that money post COVID to pay my bills and they are putting me in a financial hardship!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Sentry Credit, Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I lived in an Apartment Complex from XX/XX/XXXX to XX/XX/XXXX. Upon moving out in XX/XX/XXXX, there was a question on what was owed for damages ( which at the time was XXXX and now is owned by XXXX XXXX ). The complex apartment is called XXXX XXXX XXXX, located in XXXX, NY. At around XX/XX/XXXX, I started receiving collection phone calls for a balance of of over {$2000.00}. Part of the debate with the apartment complex was over the carpet that had gotten damaged by pets. The apartment 's claim was the carpet was brand new. I had debated this fact as I had found furniture impressions and earrings stuck in the carpet. After uncovering these facts and what had already been paid through security deposits and pet deposits, my adjusted balance ( which I received from the complex and what was supposed to be forwarded to the collection agency ) was {$400.00}, as what was listed on my e-mails. After not hearing anything from the complex nor the collection agency, it had been a forgotten issue until it showed up on my credit report in XX/XX/XXXX. At no time, from the time I moved out in XX/XX/XXXX until this point, I have not received any correspondance that had any amount or actually owing the debt.

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 2019-01-31
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I paid off my Tjmax card. In XX/XX/XXXX. Then I get a notice of late payments. I called and the said I had 2 cards open. THE PAYOFF was for old card I n ever got a statement for the old one. So i thought I paid and closed my card Tjmax and i get another statement for late payments saying I still owed more money on a different card. Thank you 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 monetary relief
Consumer complaint received 2018-06-06
Company: HW Holding, Inc
State: CO
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I was living at XXXX XXXX XXXX in XXXX XXXX until a month before XXXX XXXX on XX/XX/XXXX. XXXX XXXX XXXX XXXX are given to soldiers a month or 2 before XXXX so soldiers can get out of leases and turn into certain creditors for lower interest rates during a XXXX cycle. I received my XXXX XXXX   on XXXX XX/XX/XXXX and turned them into the office at XXXX XXXX. They did not honor my XXXX XXXX. I continued to clear my apartment in a timely manner and had paid first and last months rent upon moving in. To include a security deposit that would have covered any cleaning upon me leaving. I did not receive my security deposit back and paid my pet fee to the front office. My mother co-signed the lease with me and this is on both of our credit reports for over 6k in fees. For one the apartment complex never contacted my mom or myself before leaving in XX/XX/XXXX. The debt was sold to a collection agency while I was XXXX, and me and my mom have been dealing with harassing phone calls ever since. My mom started receiving calls shortly after me leaving and she asked the collection agency ( Hunter Warfield ) to provide a by name list of charges against me. She did not receive a by list charges until XX/XX/XXXX ... .and over a thousand dollars in interest charges from a collection agency we had no contract with. My mother has sent to me the bills they have sent as well as the by name list of charges in which I find to be totally fraudulent. I should never of had a fee for last month rent because I paid first and last month before moving in, I also accrued fraudulent cleaning charges that my security deposit would have covered, I also should not of had a lease termination fee of over XXXX with XXXX XXXX. Not to mention pet fees and so on. The list is crazy. To think this is how companies operate and treat deploying soldiers. And then sell the fraudulent debt to a head hunting collection agency on fraudulent grounds. And then to have fees of over 1.5k from a company you never had a contract with and bought this fraudulent debt on pennies to the dollar. To get this rectified would be wonderful. I have tried disputing with all three credit bureaus with no luck. I truly feel this is my last step to get this resolved. I am a father of five and can not purchase a house for my family because of this on my credit report. I am almost XXXX and have never owned a home for my family. Please help this XXXX veteran clear me and my mothers name in this matter. Supporting documents follow ...

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have requested the original contract from XXXX Transunion, and XXXX on a collections account in my credit report. Each time I have tried to contact them dating back to XX/XX/2018 none of the three could verify that the actual debt was valid. Which leads me to believe all three, XXXX Transunion and XXXX  are all miss informing creditors of my information, and in violation of federal law.

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 2018-06-06
Company: Colony Brands, Inc.
State: IN
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
XXXX XXXX XXXX XXXX  BOTH HAVE MERGED OUR TWO ACCOUNTS IN 1. 

XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX  ACCOUNT XXXX XXXX XXXX XXXX XXXX ARE MERGED TWO

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
They have taken over {$3000.00} of mine just missing off of my mortgage payments they subtract ed more when I complain last time they took {$1900.00} from me last time I complained I want an audit done on this otherwise I'm going to the FBI

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-22
Company: NRA Group, LLC
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
XXXX XXXX XXXX forwarded my account to a third party collection agency. 

I paid all but {$210.00} on the account and I have told the company that I am willing to pay the remainder of the bill in installments and if, I am fortunate enough I will pay it off completely but, they keep harassing me and sending me notices. They have already affected my credit.

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 2019-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
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 balance transfer

Complaint:
This complaint is regarding a balance transfer with my Capital One credit card. 

On XX/XX/XXXX i initiated a promotional balance transfer with my Capital One Venture card. 
The amount was for XXXX. The fee was 2 %. ( {$140.00} ) The Promotion was suppose to be 0 % APR until around XX/XX/XXXX. 

After the BT was completed, i was charged interest starting in the next pay cycle. 
On XX/XX/XXXX i noticed i had to pay {$91.00} in interest. 
I figured something was wrong, but i did not want to accrue more interest, so i paid off the balance. 

On XX/XX/XXXX, i received a letter from Capital One letting me know they had made an error, and that they would refund me the interest, but charge me the {$140.00} fee. 

By this time, i had already had to look into other solutions to pay off the deb so that i did not continue to accrue interest. 

If Capital One had processed everything correctly, there would be no complaints. But they made an error, and i in turn made a decision not to accrue more interest on my card. They realized their error, fixed it, and still charged me a fee after i made corrections on my end. 

This is not good business. They advertised a 0 % promotion, which i gladly accepted, and then they charged me interest. Then they said there was an error, and then charged me another fee after i took action. 

I called them in early XXXX, got transferred 2x, and then spend an hour on the phone talking to someone that would not help waive the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-12
Company: Equitable Acceptance Corp
State: KS
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I was inquiring about the student loan forgiveness plan for XXXX. The Student Loan Releif Department was the company in which I went with based on what they told me. In order to use their service, I have to pay them {$1300.00} on a monthly plan paying {$39.00} a month. This payment plan started on XX/XX/2017 and they went through Equitable Acceptance for the loan in which I am paying this company. I contacted the XXXX company to ask some questions and they told me that I could have gotten the student loan forgiveness plan through them and it would be completely free. I am paying a third party {$1300.00} over the next four year for something that I could have gotten completely free. I was not aware of this and the Student Loan Relief Department obviously did not let me know about this. I am paying for their services when I could be doing everything for free. Not only am I paying for their service, but I also can not contact them via phone. I have tried to call them and I can never get someone to answer the phone. They didn't follow up on what they said they would do. This is when I ended up calling XXXX and finding out that I was paying for something that was not needed. I want to get out of this loan through Equitable Acceptance whom I have already paid for one year, for the service from Student Loan Releif Department that I don't even need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: ENOVA INTERNATIONAL, INC.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Can't stop withdrawals from your bank account

Complaint:
I applied for a payday loan in the amount of {$1800.00} on XX/XX/XXXX. I mailed a letter and emailed an attached letter revoking authorization to debit my checking account. They sent an e-mail saying that they got my letter and they confirmed that I had canceled electronic ACH authorization. I was going to pay CashNet USA with a money order, but I found out that I have a pending payment in my checking account in the amount of {$2200.00} on XX/XX/XXXX. They went ahead and with the electronic withdrawal even though I had revoked ACH authorization. They charged me extra fees that go along with getting an expensive payday loan. They also refused to give me the mailing address to send a letter to revoke ACH authorization. They claimed that the loan had to be paid in full before I could ask to revoke authorization for ACH payments. They took money that they weren't allowed to take and now my account is in overdraft. I doubt they are going to pay my overdraft charges. They also don't respond to e-mails regarding revoking ACH payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-31
Company: Convergent Resources, Inc.
State: IL
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:
XXXX XXXX XXXX XXXX is attempting to charge me a cancellation fee that was assessed in error. I have spoken to them via phone countless times over the past few months to no avail. They have now sent this account to a collection agency, Convergent Healthcare. As has been explained both to XXXX/XXXX  as well as Convergent Healthcare, my son, XXXX, went to XXXX, AZ to visit with his father this summer. He had an appointment during his visit which I cancelled. XXXX claims another appointment was rescheduled that same day, which XXXX   missed. This information is in error. I did not reschedule another appointment at the time of cancellation as I did not know when XXXX   would be returning. Therefore, if another appointment was scheduled, it was done so without my knowledge or consent. Certainly I can not be held liable and charged for missing an appointment that I was not aware existed. 

Convergent 's response to my dispute was that they would contact XXXX and it would be up to XXXX as to whether, or not, this account was removed from my credit report. Under the FCRA, as Convergent is the " furnisher of information, '' they have a duty to verify the accuracy of this account prior to placing it on my credit report. They also have a duty, once informed of a dispute, to conduct their own independent investigation into the debt 's accuracy. They can not simply rely on the word of XXXX to determine whether or not this debt is valid. It is THEIR duty to ensure the information THEY are reporting is accurate.

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 2018-02-24
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Someone was able to set up a new account with my information, which baffles me because I had a debt with another carrier that would not allow me to even set up another line of service on my already active account. How this is possible, to set up another account with my information. And the other thing that gets me, is that I am an employee for XXXX XXXX XXXX as well. Which is another oddity to this whole thing. I'm more perturbed by the fact this happened to one of their own employee 's. I would like to dispute this claim from my record, since I would never dream to open up a completely different account when I have a perfectly good one, that I am also very content with. 

The amount that I supposedly owe is {$820.00}.

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 2019-01-31
Company: U.S. BANCORP
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I have reached out to US Bank in concerns about accrued late payments. Several years back I lost my job and was unemployed for almost 2 years. During that time I struggled and did any side work or sold whatever I had to sell to insure I did not lose my home or go into foreclosure. Now since back on my feet, the last few years I have been on time and never missed a payment. I actual have auto draft setup and it comes directly out of my account every month. So I called US Bank asking if they would remove those accrued late payment charges which amount to {$3800.00}. Unfortunately I was told that they would only waive one late payment penalty charge of {$65.00} out of {$3800.00}. I have own this house for 15 or 16 years now and I have paid ungodly amounts of interest and I know I have paid late payment as well. It is a shame that I was one of the ones that did whatever it took to keep my house and not to go into foreclosure, which US Bank would have lost a lot more that {$3800.00}, but they could care less. They could care less about the home owner, its all about the money.

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 2018-06-06
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hello i applied for a credit card on XX/XX/2018 and i was told to call a credit dept and i spoke to a young lady and she told me she had to call me back because my credit report had fraud alert on it and i never received a call back from barclays credit dept and i waited a hour and i called and they told me there systems are down around XXXX central time and i waited another hour and i called back and spoke to a fraud dept i was denied and they didnt give me a reason the customer rep was rude to me my application XXXX that is my number ... XXXX i was told the reason why i was denied because i had 5 other appications on file with barclays and i explain the fraud dept i didnt fill them out and i would have to wait 90 days to reapply and also i spoke to the credit dept again i was giving a different answer it beacuse i had too many new accounts open and i already closed all my loans down and paid all my account in full

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 2018-04-18
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
Bank drafts setup for a new vehicle. We moved once and changed banks once during the 5-year loan. The ACH form was updated 3 times. Our address has been corrected on at least 5 separate occasions with this bank ( TD Auto Finance ), and we had more than one account. It was noted on several different occasions that our address wasn't updating for this account, but that it would be resolved. Our phone numbers remained the same for the 5 year period as did our email address. Bank drafts went through each month on time. We do not pay bills late. TD Auto Finance never had an issue with our payments, and never once made any attempt to contact me over phone, mail, or digitally. Then : In XX/XX/XXXX, more than 60 days after the title should have been mailed out : I received a collection call about this loan. TD Auto Finance states that there is small print somewhere stating that they don't draft the last payment ( originally {$570.00}, now {$600.00} ). I have now spoken to TD Auto 5 times since XX/XX/XXXX with 4 of the calls ending in " we're sorry. this was our fault. we will fix it and call you back on this specific day ''. Never once was my call returned. 4 days later, my perfect credit score dropped by 80 points. I am furious. I have recorded all communications and phone calls with TD Auto Finance ( I reside in NC ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-15
Company: Braviant Holdings, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Person calls and says Im going to be served papers. Ive never received any indication that I owe a debt. 

Some guy named XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with explanation