BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-08-20
Company: BANK OF THE WEST
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I was assessed 2 fees by my bank, the first on XXXX XXXX for {$170.00}, and the second on XX/XX/XXXX for {$35.00}. I feel these fees were unfairly applied to my account. Upon examining the Federal Reserve regulations with my Attorney, we came across regulation ( 230.4 ( b ) ( 4 ) ), which governs how a bank applies fees. and it states, " An institution must specify the categories of transactions for which an overdraft fee may be imposed. For example, it is sufficient to state that the fee applies to overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. It also states " However, it is insufficient to state that a fee applies for overdraft items. upon looking at my account these two fees were labeled as followed : XX/XX/2018 FEE {$170.00} UNCATEGORIZED XX/XX/2018 FEE {$35.00} UNCATEGORIZED I feel that this is a violation of the above regulation. 
I tried to contact the bank when this happened and I was hung up 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 explanation
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2016. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: Riverwalk Financial Corporation
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX place a collection on my credit reports. I never signed a contract with this company. I notified them to send me a copy of my contract and they never sent the contract with my signature to. If I own you money then you would have paper work. I have disputed this on my credit and it was removed on XX/XX/XXXX, now XXXX place it back on my credit report today XX/XX/XXXX. This is fraudulent. If this complaint don't work. Im calling my lawyer. Im not going to allow any mess up my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
DIVERSIFIED ADJ SVC is reporting a debt from XXXX in the amount of {$1800.00} that I never received notice for. This collection is also listed on my report with a different collection agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-24
Company: Receivables Management Partners, LLC
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
Paid debt off. RMP says I have to wait till the XXXX of XXXX To have it removed from my credit. I want it updated ( now ) within the next 24 hours with the 3.credit bureau. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I contacted you guys about this a few years ago because I was struggling to pay the loan because Sallie Mae/Navient put my loan at an 11.9 % interest rate and I couldnt afford the payment. They put me on a rate reduction program after you contacted them. Now we are back at the same cross roads. They are trying to increase my interest rate back up. I spoke with them gave them all of my financial information and still they said I dont qualify for the program because Ive been on it for so long. And according to their calculations I have {$260.00} extra a month so I can give them the {$210.00}. I explained I have a daughter, how am I supposed to give them all of my money? What if theres an emergency and I dont have anything extra? The representative was adamant about saying well its ONLY {$50.00} more, only {$50.00} when sometimes your checking account is overdrawn isnt really an option for me. Every 6months they have me call in to give them financial information and every call theyve pushed the payment back up. I am back up to repaying them over {$17000.00} on a loan that has {$11000.00} and change. How is that fair?? Ive never missed a payment, I was actually ahead two payments and they told me I didnt qualify because of that and I would have to call back - how is that right? If someone is one time and ahead, you see that theyre making a good faith effort and you tell them unless youve defaulted or your two payments ahead run out you dont qualify?? I need your help again. I was fine making {$170.00} in payments. Because according to their computers I have extra money they feel its okay to just give it all to them. My extra money is pennies and I really dont have it. My account today is negative so where is the extra money?? Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have some fraudulent accounts on my credit report. I have supplied Equifax with all the necessary information and I have yet to see any changes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been trying for years to resolve two fraudulent accounts opened in my name with XXXX XXXX XXXX XXXX. I have even paid with settlement amount to pay one of the accounts that did not belong to me to resolve negative effects that i have been suffering since this negative accounts are on my credit report. I am a XXXX XXXX. I can not pay someone else 's bill due to my limited income. I am poor, and just can't do it. XXXX XXXX XXXX has done nothing to correct these errors. I have requested validations for both of these accounts. XXXX XXXX XXXX has sent none because there is none. I have even sent in police reports on several occassions. I am tired of suffering from the hands of XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Confusing or missing disclosures

Complaint:
On XX/XX/2021 Mr XXXX XXXX paid me {$21.00} for the btc buy and sell transaction, PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for days but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently before the Covid pandemic. My email linked to my PayPal is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: ENCORE CAPITAL GROUP INC.
State: WA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
A payment in the amount of {$1400.00} was withdrawn from my XXXX  XXXX XXXX account on XX/XX/2018 Legal Order, LTS XXXX. XXXX XXXX XXXX still shows up on credit report with debt of {$1400.00}, called company they said have not received payment nothing they can help me with. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-19
Company: SYNERGY ONE LENDING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
On XX/XX/XXXX I commenced a pre-qualification process with synergy one Lending ( XXXX XXXX ) because I was advised that I needed to cross qualify with the home builders preferred lender. Though I previously secured a lender, the builder offered a monetary incentive of $ XXXX to use their lender. On XX/XX/XXXX I received a loan estimate worksheet stating $ XXXX to close. On XX/XX/XXXX I received a loan estimate reflecting $ XXXX to close. I declined the offer as it was not competitive. On XX/XX/XXXX I advised that I was not interested in using synergys services. XXXX XXXX ( Sales Manager ) emailed me on XX/XX/XXXX asking me to provide her with the estimate from my lender and that she would work out the lender costs so that I could retain the $ XXXX builder credit. Subsequent emails ( available for review ) from XXXX XXXX ( Loan Officer ) and XXXX XXXX ( Loan Officer Assistant ) offered $ XXXX in builder credit and $ XXXX in lender credit. I agreed to these terms and the Los estimate reflected these terms. However, at the time that I prepared to move forward with Synergys Loan, I was told that the credits offered were applied in error and that a new loan estimate  would be sent to me. At this point I received my 3rd loan estimate which reflected only a $ XXXX builder credit, the lender credit was removed. I contacted the VP of Sales for the builder ( XXXX XXXX ) by the name of XXXX to file a complaint. I was advised that I would receive her loan estimate ( 4th estimate ) with the correct amounts. On Saturday I bet with XXXX to provide him with requested documents to process the loan af which time I was advised that I would receive a new estimate which would supersede all previous estimates. Upon receiving the estimate, the cash to closed increased by $ XXXX and the $ XXXX credit was removed and no lender credits remained. This bait and switch tactic was predatory and I advised XXXX XXXX that I was aware of what was transpiring. After I sent emails showing proof of the offers both to XXXX and XXXX, XXXX failed to respond and XXXX provided no explanation as to why these offers were made to me or why they were offered dishonestly and in bad faith. Quite frankly this process attempted to distract me as the consumer from the games with the loan being offered. Another issue is that, synergy proceeded with underwriting my file and processing although I never agreed to process my loan with synergy. I was simply trying to obtain the pricing info. Synergy proceeded with processing the loan with my authorization. I am within one week of closing on my home and had I stopped the process with my current lender I would have been forced to work with Synergy just so that I wouldnt incur charges for dejayung close if sale. There are several online reviews to this effect for XXXX XXXX and the predatory practices that plague consumer experiences with their company. I am requesting a follow up call to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: Maury Cobb, Attorney at Law, LLC
State: TX
Product: Debt collection
Sub-product: Other 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/2019 received call was told if amount not paid today I would be sued and that Im not smart for not paying today because he could go get attorney right now and sue me works for Maury Cobb

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-02
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
Someone I do not know hacked my computer and made fraudulent charges on my account and was made on XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
My credit score has been in the mid 700 's ... 750 or so. I paid off a car loan that had been in existence for two and half years. This account with XXXX XXXX was paid on time and no late payments. As was all my other accounts. When I paid off the loan, my credit score with Transunion dropped 97 points. I called transunion and was told I need to use some of the credit I have. I currently have credit cards with balances that have been paid on time. 

I want my credit score adjusted reflect the on time payments that I have been making. I have worked too hard to get my credit score where it is/was. When I paid off the car loan, the other two reporting agencies dropped my score by two or three points. NOT 97 points.

I did what the representative at Transunion told me to do, use some of my credit and I did. I used {$1000.00} on two cards and my score has not changed. I am in the market for a mortgage and this is hurtful to my chances of getting a decent rate. I don't think it's fair that a computer is left up to deciding my credit score. thank 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 explanation
Consumer complaint received 2018-11-11
Company: HYUNDAI CAPITAL AMERICA
State: CT
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:
This relates to an old account I had with the company. The account is fully paid ; as of today XX/XX/2018, the company owes me over {$300.00}. The company is holding on to my money and falsely, reporting to credit reporting agencies that I am delinquent. 

On XX/XX/2018, Hyundai reported to credit bureaus that I owe them {$920.00}. 
As of XX/XX/2018. They are no outstanding balances on my account. In fact, the companies owes me over {$300.00} which I am still waiting for.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-03
Company: LoanCare, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
OnXX/XX/19 I received a letter that my mortgage was going to be transferred from XXXX XXXX XXXX to LoanCare , LLC. Effective XX/XX/19. 
With XXXX XXXX XXXX I was able to make partial payments which I continue doing until my loan got transferred. Three of the payments were reflected as a principal payment which I had to call LoanCare to let them know that I was seeing this error was happening. I called multiple times and they said that they were not able to see my payment history which was confusing because I was able to see it on their website. LoanCare asked me to call back in 30 days to wait for all the information was transfer I asked them if my credit was going to be affected since it was reflecting that it was late and if I was going to have late fee which they told me no but to clear everything I made a payment for {$2200.00} to cover XXXX. When I called back, they told me again they couldnt see it until I had to explain to them where to find it. An employee contacted the supervisor explained what happens with my payments and where they have reflected which it was in principle. The supervisor told the employee to the summit to correction and that it was going to take 2 business days to clear in my account, they asked me to make another payment to complete 2 full payments into my account which were for XXXX and XXXX. I gave them 5 business days, I called back a Wednesday and they said that it would be done by Friday XX/XX/19, today is XX/XX/19 and they are implying that they sent me an email saying that they did not have all the information and they could not proceed my request. I explained to the employee that I did not receive that information that only told me to wait until Friday. I requested to talk with a supervisor or manager she said no one was available but she transferred me and requested a callback. Nothing has been resolved. 
Payments : - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19, Confirmation # XXXX for {$1100.00} cleared from my bank account on XX/XX/19 - Payment on XX/XX/19 for {$2200.00} and cleared my bank account on XX/XX/19 - Payment on XX/XX/19 for {$1100.00} over the phone and cleared my bank account on XX/XX/19

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 2018-11-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
the following inquiries and dates are unauthorized and I don't recognize where they came from : XXXX XX/XX/XXXX XX/XX/XXXX XXXX Banks - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Finance Companies - non specific XXXX XXXX XX/XX/XXXX XX/XX/XXXX Sales Financing Company XXXX XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XXXX  XX/XX/XXXX XX/XX/XXXX Bank Credit Cards XXXX XX/XX/XXXX XX/XX/XXXX All Banks - non specific

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 2018-11-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
To whom it may concern, My secondary mortgage was recently transferred to Shellpoint Mortgage. 

It transferred over on XX/XX/2018 I was supposed to be able to start making payments to you starting XX/XX/2018. It is now XX/XX/2018 and you have even failed to provide me with something as simple as an account number. I dont know what it is the hold up but I need to know ASAP as I am in the middle of a refinance with another bank. 

You either own my secondary loan or you dont please let me know.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-11
Company: Credit Karma, LLC
State: WY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I had my tax return deposited into my credit, karma money spend account. When I had an issue with a charge on my account, I opened the dispute. Over the following 10 business days when speaking to Credit Karma agents, it was confirmed that I would receive a provisional credit on XX/XX/2023. This was confirmed by several agents and a supervisor on the evening of XX/XX/2023 I contacted Credit Karma again because no funds were made available on my account. They then said they had to escalate it to another department which will get back to me in 24 hours. It is now the XXXX I have filed several complaints about this mystery department that never gets back to me regarding my dispute, or the error of not providing a provisional credit. Upon addressing this issue, I have advised that Im aware that this is a violation of regulation E and I wanted to speak to somebody from the department that was handling my case. They said they are aware of what regulation E is, and informed me that they are not a bank. So I am now focused on an entirely bigger issue if they are not a bank who is handling my funds. They are associated with XXXX XXXX and online. It clearly states that ACCOUNTS ARE PROVIDED BY XXXX XXXX But XXXX XXXX declines any association with our account # s routing # s or savings # s. This raises A major issue as a consumer. What financial institution is responsible for mine and millions of others money? Credit Karma spend is taking no responsibility and XXXX  refuses to associate with those accounts. Im starting to believe that something fraudulent is happening with this institution, while misleading consumers that there a credited and insured financial institution. I need to know how to proceed forward. Im still waiting on a provisional credit while my dispute is being investigated, but furthermore wondering if I should get an attorney to take legal action to protect others from trusting there money with an unknown entity. Where are these account numbers issued from. What bank is responsible for our funds? And is this even Legal?!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-11
Company: CAINE & WEINER COMPANY, INC.
State: UNITED STATES MINOR OUTLYING ISLANDS
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I confirm that I have received a written communication from you dated XX/XX/2018 wherein you make reference to the above captioned matter. 
It is apparent that you are acting on the presumption that some relationship that you may have with Caine & Weiner/XXXX XXXX XXXX, is in some way related to me. I am not a party to this implied relationship you have with Caine & Weiner/XXXX XXXX XXXX, either directly, indirectly or by means of any tacit consent. 
Accordingly, I do not understand how to respond to you since I am unaware of any contractual relationship between us. 
As a courtesy and because you may find it helpful, I have attached recent correspondence between myself and Caine & Weiner/XXXX XXXX XXXX, wherein I have repeatedly offered to settle the matter between myself and Caine & Weiner/XXXX XXXX XXXX. 

NOTIFICATION didn't disclose it was an attempt to collect a debt. 

Consumer didn't receive notice of right to dispute.

Company response to consumer: Closed with explanation