BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-21
Company: SYNCHRONY FINANCIAL
State: NE
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Getting a line of credit

Complaint:
I signed up for PayPal Credit and was approved for a {$3500.00} line of credit. I attempted to use this line of credit and was denied on every attempt. I called and submitted additional identity verification and was told everything would now work fine, it again did not work.

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 2018-10-21
Company: Global Payments Check Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
They overcharged me with team toon fee by XXXX dollars and the fee was paid each time they sent it a total of five tranctiona were paid for and they were the incorrect amount each time they originally corrected the amount but have taken it back and now are collecting a wrong amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Capital one generates statements on a regular basis every 19th of the month, and due dates every 16th of the month which is a 30 day cycle. However, if you have a cash advance transaction, this is left out on these statements and no way to know that there is a balance calculating interest even after you pay a statement fully. This has happened to me and I feel its misleading. They should include all transaction on some form of statement otherwise innocent unsuspecting consumers continue to pay full statements but suffer interest on cash advances they did hoping it was factored on closing the statement. I'm willing to demonstrate with statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: Sortis Financial, Inc.
State: PA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Attempt to fraud by ClearSpring/Sortis Financial of 5 payments of {$790.00} each, total {$3900.00} corresponding to the months of XX/XX/XXXX to XX/XX/XXXX. See my Loan History. ___ My new XXXX, XXXX XXXX XXXX, require me to pay them immediately the five behind months plus penalties. Total {$4900.00}. __ I paid these five months with a Bank check ( # XXXX XXXX ) to ClearSpring Loan Services. That was include two months more, XX/XX/XXXX and XX/XX/XXXX In total were 7 months X {$790.00} each, Total {$5500.00}. __ The Company that is attempting to fraud me is ClearSpring Loan Services Inc. / Sortis Financial. __ XXXX XXXX XXXX that is my new Servicer is involved in my problem. This company gave me a new account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-20
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was 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 2020-10-13
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Privacy issues

Complaint:
Purchased a laptop for XXXX {$4000.00}, paid XXXX {$800.00}, signed up for promotional credits to use BestBuy credit with Citi Bank. 

Waited for my card to come in the mail, never arrived, probably got charged late payment fee.

Got a new card a month after payment is due, set up a new account with new card, paid whatever minimum was due over the phone.

Discovered the following information within the account : Username :  XXXX Email : XXXX The email is linked to : Cell : XXXX *** XXXX Backup Email : XXXX I made this purchase at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NJ XXXX I believe there is internal fraud with the man responsible for my purchase - a XXXX, XXXX XXXX, XXXX XXXX, very knowledgeable about computers.

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 2018-02-23
Company: Designed Receivable Solutions, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Last XX/XX/XXXX, I decided to write a letter to this company to request debt validation with regards to account XXXX. To date, I have not received any response from them. This is a total violation of FDCPA. The item still is being reported in my file which I believe is a violation of FCRA. I am doing my part as a consumer, exercising my rights, but this company just violated FCRA and FDCPA. Attached to this complaint is a copy of the letter I sent this company last XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
There are many mistakes appear in my report without my understanding.

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 2018-10-21
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2018, I received a text message from PayPal saying that my account was being charged {$58.00}. I immediately felt suspicious and logged onto my paypal account. I saw the {$58.00} transfer plus {$1.00} fee charged on my XXXX XXXX XXXX debit card ending in XXXX to a person named XXXX XXXX with an email address of XXXX. I do not know this person and I did not authorize this transaction. 

The PalPal transaction ID is XXXX Please help with this issue. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
Account Name : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) Account # : XXXX Balance : {$3500.00} This is a formal complaint against XXXX  , XXXX  , and TransUnion . They have repeatedly violated my rights and the Fair Credit Reporting Act. Despite the proof that I've sent to them, they continuereporting inaccurate and unverifiable derogatory information about me to potential creditors. 

For one, I have requested re-investigation and verification of items which they are reporting in my file. They claim to have verified these accounts but it's all electronic and therefore, they never even speak with anyone to conduct a reasonable investigation as mandated by law. 

I have also disputed this account directly with the furnishers - XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXXXXXX, they keep sending me the same letter response every time. They can not provide any legitimate proof that this debt is indeed accurate and correct as they claim and as it shows in 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 2018-02-24
Company: Commonwealth Financial Systems, Inc.
State: KY
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Commonwealth Financial Systems removed the 2 accounts that aren't mine from XXXX, KY on my XXXX  in the amount of {$1300.00} and {$1300.00}. They state that theses are 2 different accounts in the same exact amount! However they never were removed from my Transunion Report. I also reached out to XXXX XXXX and asked about the 2 accounts. They verified that there was one account not 2 in the same amount. There is one account in the amount of {$1300.00}. So CFSI is basically trying to make me pay them twice for the same bill. If they have proof that I was in XXXX, KY and seen a Doctor and have proof of my signature or me in a video surveillance I will be glad to pay, however it doesn't exist. My Ex wife lived in XXXX and is using my identity. Please remove these accounts immediately! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-13
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I received a phone call from a company that identified themselves as Midland Credit Management, they said that I had an account with them that I owed money on, and advised me they were looking for attorneys in my area. The call was on XX/XX/2020, I told them I didn't recognize it and advised I wanted a debt validation letter and wanted to cease and desist all future phone calls. I advised not providing me those details they would be in violation of the FCRA, and FDCPA. They persisted and had two people on the line trying to make me pay a debt I don't even recognize, they said I had the account for 3 years and made payments on it, and kept trying to force me to resolve it then and there. I again advised them that I'm not paying it, I'm not answering any more questions, to send me a debt validation letter. I advised that all future correspondence needed to be mailed to me. I XXXX the name of the company and it's a legit company, but I can't believe a legit company would be using these kinds of collections tactics in 2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-17
Company: BANCO POPULAR DE PUERTO RICO
State: PR
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
I have a  VA Home loan with Popular mortgag e. My property did not paid property taxes on prior years, because I had to wait until the appraisal was made by the Municipality were the house is located. Last year on  XX/XX/XXXX  the house appraisal was completed, it took almost 6 years. On  XX/XX/XXXX  I received an invoice by the government office (  XXXX  ), I visited their office and requested the aplicable exonerations, the resolution was that my house was exempt, they told me that I had to wait until everything was processed. On  XX/XX/XXXX , when printing form  XXXX  to pay my taxes I realized that in  XX/XX/XXXX they paid  XXXX  in property taxes without issuing me a proper notification. I called Popular Mortgage and they told me to fax them the exoneration documents. After that I called to see if the documents were received and I asked if my mortgage was not increase were the payment came from, they told me to wait and later they told me that there were two payments issued on tax property that I had to wait until my loan was analyzed on  XX/XX/XXXX . I called again and I was advised to request a refund. On  XX/XX/XXXX  I received a letter dated  XX/XX/XXXX , which indicates that my loan will increase from {$1000.00} to {$1300.00}, they paid a total amount of {$1300.00} in property taxes. I requested the refund to the government office ( (  XXXX  ) and I was told that this might take 14 months. Due PR fiscal situation there is a possibility I might not see this money, so I can repay back the bank, but since they make payment to this government entity every month maybe they can make the adjustment or contact them directly. I am in the middle of this situation, however I was not notified by the bank that they were making a first payment in  XX/XX/XXXX , this situation could be prevented with I call and I would have notified them by that time that I was exempt and that paper requesting exemptions were timely being submitted.

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 2018-10-21
Company: SYNCHRONY FINANCIAL
State: CA
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:
MY JC PENNY PLATINUM CREDIT ACCOUNT IS CLOSED. I HAVE IN PLACE SINCE THE YEAR XX/XX/XXXX A PAYMENT PLAN TO PAY VIA AUTO PAY. OFF THE BALANCE IN THE AMOUNT OF {$64.00} PER MONTH UNTIL THE BALANCE IS PAID OFF IN FULL. I HAVE NOT USED MY JC PENNY CREDIT CARD FOR AT LEAST THREE YEARS. EVERY MONTH ON THE XXXX VIA AUTO PAY FROM MY XXXX XXXX CHECKING ACCOUNT. THIS MONTH XX/XX/XXXX, THE AMOUNT OF {$190.00} WAST TAKEN OUT OF MY ACCOUNT INSTEAD OF THE USUAL {$64.00}. TO THE BEST OF MY KNOWLEDGE THIS FRAUD. I WROTE JCPENNY /SYNCHRONY BANK A LETTER DATED XX/XX/XXXX STATING THAT MY PAYMENT REMAIN IN PLACE. I HAD TO FILE WITH THE FEDERAL TRADE COMMISSON IDENTITY THEFT FTC # 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 2020-08-20
Company: TRUIST FINANCIAL CORPORATION
State: OR
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
XXXX XXXX sold our loan to BB & T effective XX/XX/XXXX. Our regular payment amount was XXXX and we always pay {$700.00} XXXX XXXX XXXX  voucher had a place to designate the additional payment to principal. BB & T does not have a place on the voucher to designate addt'l payment so we just write it on the voucher. They apply this amount to interest. In XXXX they did not receive our payment ck # XXXX, I was alerted by a collection call, so I wrote another check # XXXX XX/XX/XXXX for {$700.00}. They received it and applied it as {$400.00}, so I received another collection call. I had my bank research it and they told me it had been made for {$700.00} and they credited my statement for {$400.00} and charged me {$700.00}. I told XXXX at BB & T XXXX and sent her a copy of my statement. Then I asked her if she had received ck # XXXX dated XX/XX/XXXX for {$700.00} she said I needed to send her a copy of it front and back so I did. We have also written ck # XXXX XX/XX/XXXX for {$700.00} which has not cleared yet. Since they have not received the correction for ck # XXXX dtd XX/XX/XXXX I made a phone payment of {$210.00} on XX/XX/XXXX. I have been told by XXXX XXXX XXXX if you make your payment by check with a voucher you can not designate the additional payment to principal, only over the phone or online. When they receive the correction for {$300.00} I believe they are going to apply this to interest and I do not have any way to stop them from doing 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 2017-06-17
Company: SUNRISE CREDIT SERVICES, INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted me regarding a debt was  XXXX   XXXX   XXXX . When I advised that it was under dispute with the NYS Attorney General a nd Consumer Protection, they  advised me that it was not their problem and to pay up. They have since called multiple times per day and will not honor requests for a cease and desist.  <P/> They have been increasing rude and crude. Original creditor has no interest in dealing with it either they just keep referring to them and advised me they do not have to cooperate with state folks. These phone calls have bordered on harassment.

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: Accelerated Financial Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Received notification that a Collection account from ACCELERATED FINANCIAL had been placed on all 3 major reports named as XXXX   XXXX, the account went delinquent 30 days or more in XX/XX/XXXXand was never brought current, after numerous calls & even uploading a credit report dated XX/XX/XXXX reflecting the account should be removed as of XX/XX/XXXX, due to First Date of Delinquency. advised after numerous calls the debt was no longer collectible & should be immediately removed to which the suggestion was made they say you owe it, I going to offer you the lowest possible offer I can to get this squared away can you pay {$500.00} & this will be taken care of, I advised I would not as this debt is no longer collectible.I find it disheartening that information can be added to reports just by simply sending to credit bureaus after this my scores dropped 40,29 & 31 points.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-21
Company: EQUIFAX, INC.
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: Account information incorrect

Complaint:
XXXX XXXX XXXX {$590.00} Collection agency has no contract ; no valid claim ... settled this with original creditor ( XXXX XXXX ) unlawful to attempt to collect a debt twice ... original creditor stated that your records may be outdated ... please remove erroneous account or litigation will follow ... I was told that no one verified this account ... and that XXXXr verification that you utilize is faulty ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21
Company: JPMORGAN CHASE & CO.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Last Saturday, XX/XX/XXXX, I was looking for a concert ticket for the XXXX XXXX XXXX XXXX. I found a guy, XXXX XXXX ( XXXX, XXXX ), who had what he told me was an unregistered ticket for the remaining two days for {$150.00}. He said he trusts XXXX, which upon researching the company I found ALL of the banks including my own ( Chase ) were partners. 

I submitted the payment of {$150.00} and the app told me there was a problem and it did not send. So I sent it again and this time it went through. Upon checking my bank account, both {$150.00} were sent ( {$300.00} total ) despite the app telling me the first one did not go through.

I contacted Chase to immediately cancel the transactions within 5 minutes of it happening. The lady on the phone told me I had to contact XXXX. I hung up and immediately contacted them. The guy on the phone even noticed the error and told me he did see the error, but then told me that there is nothing they can do and that I have to contact Chase. 

I contacted chase again and was transferred to 5 different people. All of them asked me the same questions ( for security purposes ) so this phone call lasted 30minutes. The first 4 people said I had to be transferred. Finally, the last lady told me the guy already withdrew the money so they can't cancel the payment. They sent a letter to the bank but after 8 days, I have received nothing. 

Despite the first payment not even supposed to go through, both went through and the guy went silent. I know {$300.00} feels like a low amount, but the {$150.00} for the tickets was the last of my spending money that I saved just for that concert and with another {$150.00} going missing as well, I am struggling.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-24
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
This was a few years ago, I tried to correct the problem. I have never in my XXXXyearsbeen or lived in the state of Virginia. I am sure it's a beautiful state. Nevertheless, Never, ever, ever been there. What do I have to do to fix? No one would listen to before.

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