BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-20
Company: SYNCHRONY FINANCIAL
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
This was a 0 interest loan for 36 months. If not paid off 29 % interest was charged retroactively. The payoff date expired in XXXX and the payoff balance went from {$1300.00} to {$5900.00}, which was more than the purchase price of the product I bought and I 'd paid on it for 3 years. The problem is the emails I received from Synchrony Bank do not give me the expiration date of the " 0 interest '' offer. I received XXXX email on XXXX XXXX saying " Promotion ( s ) Expiring Shortly. See the promotional box on the statement for additional details ''. When I clicked on the link to the statement it took me to a marketing screen without a log in to my account. At the bottom of the screen is a tiny " contact us '' which I eventually clicked on. It took me to a log in screen. When I logged in with my SSN and DOB it said it could n't find any records of my account. Companies like Synchrony Bank prey on consumers by not providing adequate notification of these promotional programs, and then making it extremely difficult to get to that information. Then they charge outrageous interest rates, which should not be allowed. I called them, explained the situation and they basically said, too bad, you owe us {$5900.00}. Each email statement should have included the expiration of the promotional period and notification that the interest rate was retroactively being raised to 30 %. The paper bills they used to send had this information. The emails did not and made it difficult/impossible for the average consumer to find the info. Since the account was on auto payments from my checking account, I did n't realize they expiration date had expired until 3 months later. I have paid over {$800.00} in new monthly payments. I talked to a supervisor today and offered to pay off the original balance of {$1300.00} on top of the {$800.00} and was told I had to pay off the entire balance. Retroactive interest charges like this should not be allowed. If they are, there needs to be requirements for notification that make it CLEAR and EASY for the consumer to understand when the payoff date is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21
Company: PMAB,LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I mailed PMAB a letter requesting legal validation of this debt on XXXX/XXXX/2016. They have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: PMAB,LLC
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have received numerous calls from this # stating i owe a debt ; when call back must wait 10 min. to leave message to send a written bill & DO NOT CALL ME AGAIN! They persist. Can not understand the caller when I 'm able to answer. I do NOT owe ANY debt I am aware of! Why have I not received a bill in mail? On web, this # is dubbed telemarketer.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX I called Shellpoint Mortgage to inquire about getting rid of PMI payments. I was told that I would need to pay for an appraisal at the cost of {$400.00} to determine the value of my home. On XX/XX/XXXX I sent a written request to Shellpoint requesting a home appraisal. Shellpoint ordered the appraisal and the home appraisal was completed XX/XX/XXXX. On XX/XX/XXXX, after not hearing anything, I called to inquire about my appraisal. I was told that a fee of {$620.00} was due for the cost of the appraisal, and only after that fee was paid I would get the results of the appraisal. I asked why the appraisal fee was so high and was told that they could not give me that information, nor was there anyone who they could forward me to who could. I also inquired about the bill that I never received for the appraisal. I was told that the bill would be on my XX/XX/XXXX statement. 
My first concern is the cost of the appraisal. The going rate for appraisals on a single family home ( my home at less than XXXX ft. ) are {$300.00} to {$400.00} at most. I do n't know why they are charging me {$620.00}. My second concern is that my appraisal was completed XX/XX/XXXX, if they are sending me a bill XX/XX/XXXX it looks like they want me to continue paying PMI at least 3 months after my appraisal was completed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08
Company: Ballybunion Enterprises, Inc
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
these people sued me XXXX for a debt they say i owed XXXX and i lived in XXXX and did not receive service notice..they continue to take money from my account these people are crooks and need to be closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
TO WHOM IT MAY CONCERN-THIS ACCOUNTIS REPORTING AS OPEN AND PAST DUE THAT WAS INCLUDED IN MY CHAPTER XXXX CASE # XXXX. I HAVE MADE MANY ATTEMPTS TO THE COLLECTIONS AGENCIES TO CORRECT THIS INFORMATION WITH NO SUCCESS. THESE ACCOUNTS HAVE ALSO BEEN SOLD TO NEW COLLECTION AGENCIES THAT ARE REPORTING THESE ACCOUNTS AS NEW ACCOUNTS, WHICH I UNDERSTAND TO BE ILLEGAL PRACTICES AND HINDERING BY ABILITY IN REHABILITATING MY CREDIT AND MY PROTECTION UNDER THE CHAPTER XXXX BANKRUPTCY LAWS. 
ATTACHED YOU WILL FIND A COPY OF MY CREDIT REPORT AND CHAPETER XXXX PAY SCHEDULE OF CREDITORS

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had an investment account with XXXX, they were bought a while ago by Capital One. I have been unable to access my account as they throw up roadblocks every time I try. I just want to close the account. Their most recent excuse is my email address contains the word junk. This is my email address ( XXXXXXXXXXXX ). They send me emails all the time at this address. I have attached XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Titan Receivables, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
You are inaccurately and incompletely furnishing information regarding the referenced account # XXXX to the Credit Reporting Agencies in violation of the reporting requirements of the FCRA , Section 623, Responsibilities of Furnishers of Information, and for which you are responsible. 

PLEASE TAKE THIS NOTICE that this letter constitutes notice under the California Consumer Legal Remedies Act, ( hereinafter referred to as " CLRA '' ) California Civil Code section 1750, et seq., ( hereinafter referred to as the " ACT '' ) and pursuant specifically to Civil Code section 1782. I am hereby notifying that you are inaccurately and falsely reporting the following Account : XXXX which constitutes violations of the Act and of my demand that you remedy such violation within five ( 05 ) calendar days from your receipt of this letter. 

I am disputing your information in its entirety and request evidentiary documentation that substantiates the information you have furnished and its reporting. 

I have previously disputed this information with the credit bureaus and the result of that investigation was verified as " accurate '' according to your XXXX program.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: Rocket Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Quicken loans has failed to satisfy my XXXX taxes for 2015 after my loan closing on XXXX which provided for payment in full. The response I have received is pathetic. I have repeated over and over why the payment was rejected and the customer service is unacceptable. I will commence legal action as a result of your inept response. XXXX is my loan number and I am telling everyone on social media about your pitiful service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: WELLS FARGO & COMPANY
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Wells Fargo was charging me a fee for " interest fee on cash advances '' on my credit card. I had never withdrawn or transferred cash from that account. The charges were incurred monthly, and were in the 30 dollar/ month range. 
When I complained, they said that an " overdraft protection advance '' was considered a cash advance and that I was being charged interest on that at 26.24 %. If the interest is 33. per month, at that percentage, that would mean I'd have approximately 1500 dollars in overdraft protection advances, which I certainly do not. Now, since I am overdrawn, they apply another fee every month, on top of my regular interest, and I fall deeper and deeper into 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 monetary relief
Consumer complaint received 2017-01-03
Company: Turning Point Solutions LLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have received and answered calls from a company claiming to be Advanced Capital Solutions @ XXXX. I have asked them repeatedly to mail ( via XXXX mail ) me correspondence concerning the dept they are attempting to collect. They never disclose that they are attempting to collect a debt. They have demanded I pay over the phone and are still giving me the run-a-round about mailing out any information concerning the debt they are attempting to collect. I plan to also report them to the XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
Equifax is reporting my XXXX student loans incorrectly to the credit bureaus. In XXXX I consolidated my loans and all are current and not past due. I am currently trying to refinance my home and noticed my loans were still being reported past due, opened, and with balances. I disputed this with the XXXX major bureaus ( including Equifax ) and it was corrected and updated. On XXXX/XXXX/16 I reviewed my credit report and noticed Equifax had re-reported both of my student loans as OPENED, PAST DUE, and with large balances. I can not begin to tell you the damage this has done to my credit score as well as my debt to income. I was denied my refinance loan as a result. On top of all this, Equifax has reported my new consolidated loan for {$10000.00} on top of leaving the other loans opened with balances and past due. Now it appears I have XXXX opened loans and I should only have XXXX. I am requested the other XXXX loans be closed, with a zero balance, and removed from my credit report IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Eastern Account Systems of Connecticut, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This amount came from equipment they said I did not return when in fact I did.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Colony Brands, Inc.
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
There is an account that is unknown listed on my credit file. I have disputed with no response or validation. Please help, I never did business with this company

Company response to consumer: Closed
Consumer complaint received 2016-02-05
Company: PRIMARY RESIDENTIAL MORTGAGE
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
my husband and I were looking to purchase a house, we got preapproved through a mortgage company, did everything they asked us to do as far as saving money and paying off credit cards. on the day of closing they tell us we were denied. we paid for survey, appraisal, things that needed to be fix etc and to find out we got denied was very disturbing. they did not keep in constant contact with us or even had my emails and calls go unanswered for several days.i paid for everything in advance because they were confident we were going to get the house.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have no knowledge of said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: RI
Product: Credit card
Issue: APR or interest rate

Complaint:
I asked the USAA rewards XXXX XXXX XXXX to lower my interest rate from 17.9 % to something lower. To my surprise they told me that thanks to President Obama 's new credit card rules that they COULD NO LONGER LOWER ANY INTEREST ( APR ) on any existing cards. I find that hard to believe. I checked with my banking institution and they were not aware of this. USAA is telling their customers that the law prohibits the reducing of APR on any active credit card. Is this the truth, I really doubt it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29
Company: Quality Recovery Services, Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I rented an Apartment from The XXXX. 
The debt with this company was settled in Bankruptcy case # XXXX. 
The account was disputed and removed from my credit report. 
Now another debt collection agency has reopened the account and put the balance on my credit as past due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian has cross filed another persons credit history with mine. They make it very difficult to contact them to dispute and obtain resolution of the issue. I have tried to call several times and their online dispute system will not accept the information I am attempting to dispute. I have since written a letter to Experian with no response received yet. 

I am XXXX XXXX XXXX born XXXX XXXX, XXXX. Experian has my correct credit history information combined with a XXXX XXXX XXXX born XXXX XXXX, XXXX. I do not know this person nor do I have any affiliation with them. I was born XXXX XXXX XXXX and have formerly been XXXX, XXXX and XXXX ; in that order. 

Both XXXX and XXXX have not committed the same cross filing and my information seems to be correct on their reports. 

I would like for Experian to review my report and delete all inaccurate information immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-10
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I paid the loan off XXXX on a car loan XXXX years ago ons it is still on my credit report I talked XXXX and they said it was up to the. Credit bureaus to take it of I want it off I paid the money to pay my loan off so discusted

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
Hello, I discovered on   XXXX   XXXX   that I was a victim of Identity Theft / Bankruptcy Fraud / Credit Card  / Loan & Medical Fraud,  Since or Before   XX/XX/XXXX   to Present Date. I have tried to dispute the information on my credit report with  XXXX  and TransUnion via  XXXX   XXXX  as best as I know how, I have been successful in getting a lot of activity removed from my credit bureau accounts. But am still having problems getting the following removed.     The following information is not mine, but the person causing fraud ...     *These are the collection accounts that are reported as open on my credit report.     Credit Report Bureau -   XXXX    XXXX   XXXX   XXXX  -   XXXX   XXXX   XXXX   XXXX   Balance {$160.00}  XXXX  Open accounts reported on  XX/XX/XXXX .     *Account #  XXXX  Balance {$83.00} Original Creditor name -   XXXX   XXXX   XXXX   XXXX   High Balance {$83.00} Opened Date  XX/XX/XXXX  Last Reported  XX/XX/XXXX  Responsibility - Individual Account Remarks - Medical *Account #  XXXX  Balance {$83.00} Original Creditor -  XXXX   XXXX    XXXX   XXXX   High Balance {$83.00} Opened Date -  XX/XX/XXXX  Last Reported -  XX/XX/XXXX  Responsibility - Individual Account.   Remarks - Medical *Credit Inquiry VIA  XXXX  *Creditor Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removed By* -  XX/XX/XXXX  Type - Miscellaneous Utilities *Creditors Name -  XXXX   XXXX  Inquiry Date -  XX/XX/XXXX  Removal Date -  XX/XX/XXXX  Type - Mail Order Firms Info via TransUnion : - Credit Inquiry - Creditor Name -  XXXX  Inquiry Date -  XX/XX/XXXX  Removed by* -  XX/XX/XXXX  Type -   XXXX   XXXX   XXXX   XXXX    Contact  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , FL  XXXX  (  XXXX  )  XXXX  *Public Records Details Via   XXXX    : - Bankruptcy -- Discharged  CH- XXXX  -- Reference Number -- Date Filed -  XX/XX/XXXX  Date -- Status  XXXX   Discharged CH  XXXX  Amount -- Classification -- Responsibility - Joint Asset Amount  -- *Credit Report Bureau -  TransUnion Balance {$0.00}  .     XXXX  Open accounts reported on  XX/XX/XXXX .   This agency did not report an open account to this bureau.      *N  ames  Reported on TransUnion and  XXXX   :  - *  XXXX     XXXX , Last Name *Last Name,  XXXX ,  XXXX   XXXX ,  XXXX   XXXX   XXXX  Addresses Reported on TransUnion and  XXXX  ...       XXXX   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   ,   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX    XXXX   Employers  Reported  :  - *  XXXX   XXXX   XXXX   Date Reported  XX/XX/XXXX   XXXX   XXXX   XXXX   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 2016-05-30
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Late fee

Complaint:
I made a payment and also enrolled in auto-pay so I would n't have any late payments or late payment fees. I heard Walmart had a habit of charging late fees. Since I enrolled in auto-pay and made a payment to stay current I was charged a late fee. I called them to inquire and they said they would removed the late fee. I just checked and the late fee was never removed. I again just scheduled another payment. I hope it 's credited to my account this time.

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 2017-03-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Care Credit card ( Synchronicity Bank ) in XXXX. The application was approved. I used the card once for an emergency veterinary appointment in the spring of XXXX and paid the balance in full over a period of a few months and have not used the card since that time. On XXXX XXXX, XXXX, my cat had a life threatening emergency so I took him to the vet. When it was time to pay for the charges, my Care Credit card was declined. Today, I spoke with Care Credit and was told that, some time in between last use of the card to present day, they ran my credit report and decided to close my account. I never received any notice of this and it caused a major scramble to come up with funds to pay for emergency care for my cat, along with undue embarrassment. Since the time of my application to Care Credit, my credit rating has improved and has not degraded. Therefore, the reason I was given does not ring true to me. I believe the card was cancelled due to inactivity and not carrying a balance. Perhaps they did not believe I was " profitable '' to them. But, to cancel the card without notifying a customer is absolutely inexcusable because many individuals rely on having that card in case of emergency, which is exactly why I applied in the first place.

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