BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
About 20 years ago I purchased a small notebook from XXXX XXXX. In the first 3 months the hard drive failed on it. They refused to honor my receipt or warranty and I still paid them for it. I believe it was about {$300.00} Im so disgusted with XXXX XXXX and their pit bull debt collectors from Portfolio Recovery, they have no shame. They call all hours of the day constantly from different phone numbers and locations. This has to stop, please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-16
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I entered a forbearance plan with Citizen XXXX XXXX due to covid. My forbearance plan ended XX/XX/XXXX and I was told in order to resume making payments I had to fill out a loan modification form so my payments can be moved to the back of my loan. I submitted the application on XX/XX/XXXX. I was verbally told that i was approved and a notary will be contacting me so I can sign the documents needed to finalize the modification. I did not hear from anyone so on XX/XX/XXXX I called regarding my modification. I kept getting the running around and requested to speak to management and I was told I would get a call back and no one ever called me back. I kept calling each day until someone finally advised me I was denied due to a lien against XXXX XXXX. I advised I have no liens against me and it must be a mistake. I escalated this matter to the XXXX  and XXXX XXXX from the chairman 's office reached out to me to advise me more of the specifics of the XXXX. I advised it is mistaken identity as that person is not me. I have submitted numerous documents proving that I have no liens against me or my home provided by my local county clerk 's office back in late XX/XX/XXXX, again XX/XX/XXXX and then once more on XX/XX/XXXX. I still have yet to hear from anyone in regards to a resolution. On XX/XX/XXXX I received a letter that my loan is now in default and they will begin foreclosure process if a payment in full is not received by XX/XX/XXXX in the amount of {$24000.00}. I was told by the chairman 's office on XX/XX/XXXX that this will be investigated and everything will be on hold until the investigation is complete but they are moving forward without resolving this mixed identity issues. It has now come to the point that my anxiety levels and stress levels have increased tremendously that I had to get my medication increased and I am under constant monitoring due to me being XXXX weeks pregnant. Citizens Bank is now refusing to provide me with any information when I call and not responding to calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Paypal Holdings, Inc
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I purchased a pair of " Authentic XXXX XXXX XXXX XXXX XXXX size XXXX '' on XXXX/XXXX/16 from a seller off of PayPal. He told me to use the friends and family option which would not charge him a fee. He said he would ship within 2 days and I messaged him asking him if he shipped the shoes out or not but I get no respond. I found out that he was a scammer because I did n't know that I would n't get protected if I chose the friends and family option on PayPal which he is NOT A FRIEND OR FAMILY. I 've tried everything I could to do on PayPal and no refund. I just want my full refund, I never received my item and I know I will not receive what I paid for and the money I worked hard and earned for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-06
Company: WELLS FARGO & COMPANY
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
Purchased a used car with Wells Fargo last XX/XX/2022. The interest rate is very high.

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 2022-05-16
Company: First Credit Services Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I signed up a 6 months commitment with XXXX XXXX. During one of the training sessions, I hurt my knee. Informed the Instructor immediately and seek medical attention. I was ordered by my doctor to cease physical activity and I did. 

The commitment period ended, I paid for all 6 months and called to canceled. They asked me why I was canceling and explained the situation. I was asked for medical documents by I did not feel comfortable sharing my medical information with a stranger. 

XXXX XXXX not only did not cancel my membership, but they auto renewed. I called my bank to cancel the credit card and XXXX XXXX charged my new credit card, without my consent and without me providing the new credit card information. 

the letter they sent states I had to dispute the charge before XX/XX/XXXX nd. I submitted a certified letter dated XX/XX/2022 disputing this debt, requested proof of debt and they First Credit Services failed to present evidence that I owe the debt. 

I am requesting this dispute to be investigated and corrected by removing the derogatory remark from my credit report and reversing this charge that I am not responsible for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Focus Holding Company
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Focus Financial Management has been calling my place of business " in an attempt to collect a debt '' IT is a robo call they do not have any information, nor have I ever received any communication through the mail. I do not have any unresolved business accounts. They called me this morning XXXX/XXXX/15 at XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
On Wednesday, XX/XX/XXXX, I paid my rent payment through the company 's online portal. the payment went through on Wednesday. It was in the amount of XXXX. I checked the account after making the payment, and saw it was processing through my Bank of America checking account. The next morning, I checked the bank account ( as I do every morning ) and everything was fine. The next morning, on Friday the XXXX, I saw that Bank of America had processed the same payment a second time, making my account severely overdrawn. The transaction numbers on both transactions- are identical. I first contacted my local branch, who assured me the matter would be resolved. He never contacted us back or made any effort to resolve the matter. We went into the bank the following day - as well as contacting the customer service number on the back of the card - both parties told us they needed to wait until Monday ( the next business day ) to resolve the matter. On Monday, neither of the offices contacted us regarding the problem, so I called the customer service number again. This time, I was told it would take up to 90 days to remedy their error. I had already provided proof that I did not authorize the transaction, nor did the merchant ( my landlord ) receive the payment. My landlord has also been in contact with the local branch to reiterate that information, and provided them with such documentation. This is clearly an error on the bank 's behalf ( especially considering the transaction numbers are identical ), but they refuse to accept accountability. Due to this, I have been unable to conduct business with my current customers or accept new clients. My life- and my family 's life- has been made to suffer. And several payments are now past due. The bank even returned a credit card payment I made on the same day of paying my rent ( there was enough funds in the account to cover both ... until they ran it a second time ). Now, I have a returned payment fee from them, a late fee and they are threatening to close the account. Meanwhile, my bank wants to do nothing but tell me to wait and be patient and 'apologize for the inconvenience '. Please help me get this matter resolved. 
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 monetary relief
Consumer complaint received 2017-01-26
Company: Paypal Holdings, Inc
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I used Paypal to pay for an online order placed with XXXX on XX/XX/XXXX. I returned XXXX items from that order to the store on XX/XX/XXXX for a total credit of {$210.00}. I also returned other items to the store from other orders on XX/XX/XXXX and saw the credits post to my Paypal account on XX/XX/XXXX. However, the {$210.00} credit still has not posted to my account. XXXX confirmed the return was processed on XX/XX/XXXX. I contacted Paypal via phone on XX/XX/XXXX and they opened a dispute. However, after I submitted the evidence showing the receipt from the store showing the return of {$210.00}, XXXX emails from XXXX indicating the items were returned, and 2 other emails from XXXX stating the credit was processed on XX/XX/XXXX, Paypal closed the claim on XX/XX/XXXX ( which their representative opened on their end with incorrect information ) and did not credit my account or provide any explanation. Thus, I am still owed {$210.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30
Company: Google Compare Credit Cards Inc.
State: KS
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
I have been locked out of my google wallet account and will not be notified of the reason for such. I have emailed, called, and contacted multiple times with no useful response to the issue. I feel that I have the right to know why incase there was something that could have been compromised with my account and/or personal information that google keeps on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
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:
was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX  XXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}

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 2020-08-05
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
On XX/XX/2020, I sent the credit bureau a letter asking for proof of their investigation into a creditor that furnished untrue information on my credit report. I sent the letter certified which I have attached along with the letter, and according to USPS, the letter was delivered to the organization on XX/XX/2020. To date, I have not heard back from the organization. Since they already concluded their investigation, I find it odd that they have not responded back with their proof.

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 2017-03-13
Company: Paypal Holdings, Inc
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I sold an item on ebay, and the item was delivered via email. It was stated in the description. 
The person paid, and I shipped the item. They left me positive feedback. 
Paypal refuses to give me my money for this transaction. 

I have an email from paypal, where they said they would release the money on they XX/XX/XXXX, they did not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: FACTUAL DATA CORP.
State: CO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
XXXX reported that I was past due on our credit card payment. 
They are wrong and could not provide proof that I was ever even sent a bill, they 're only response was that they sent me a bill and that was enough. I believe this is a scam as XXXX XXXX ( the company that issues the cards for XXXX ) benefits by charging higher interest rate to consumers after inventing the late charge, or not providing proper notice of a due payment. 
In fact our account has a positive amount currently in other words they owe us money. 
I will be closing the account after submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: I.C. System, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ic systems contacted my about a debt from XXXX, the dates were long after we had switched, so I asked for the original bill to verify, which lead to them threating me about reporting on my credit. I responded in writing asking for verification, if I owe it I will pay it but the dates do n't make sense. But they have not responded to my letter and reported on my credit. I really do n't know what to do. Its not a lot of money but I am not sure its right. Thanks for you help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Conn's, Inc.
State: OK
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have XXXX installment loans with XXXX 's that were suppose to be 12 months no interest. I have made my month payments until XX/XX/XXXX I was n't able to make the payment so they gave me a deferment, without knowledge they are no charging me interest on those accounts. I tried contacting them and they said yes I 'm being charged interest now since I was n't able to make payment. I changed the address on the account to my current address however they would change it back to an old address. I never received any notices saying that the account would be charged interest now. Account # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: SYNCHRONY FINANCIAL
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Failing to honor a mandatory arbitration clause in my credit card agreement. I received a summons on a debt from XXXX credit and immediately requested arbitration. They continued with the lawsuit against me and we arrived at court on XXXX XXXX. The lawyer representing them is XXXX XXXX XXXX. I brought a copy of my agreement obtained from XXXX He immediately questioned the validity of of that agreement because it was dated XX/XX/XXXX. I went home and printed yet another agreement from XX/XX/XXXX, both having the same arbitration clause. He is now asking for summary judgment and I have a new court date of XXXX XXXX. He is also claiming his client may be in TILA violation and submitted the wrong agreement on cfpb.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-19
Company: PLANET HOME LENDING, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I recently submitted a complaint ( REF # XXXX ) requesting Planet Home Lending to modify the date on my foreclosure to reflect the CORRECT DATE OF XXXX XXXX, XXXX. Instead of changing the INCORRECT DATE of XXXX XXXX, they changed it to another INCORRECT DATE of XXXX XXXX. Due to this, my wife and I are unable to get pre-approved for a home loan and we are supposed to close on XXXX XXXX, XXXX. While we appreciate some sort of action was taken to remedy the aforementioned complaint reference number, it was not the correct action. We submitted the substitute trustee deed showing that the CORRECT DATE IS XXXX XXXX, XXXX. PLEASE REFERENCE THIS ATTACHMENT.

Company response to consumer: Closed
Consumer complaint received 2015-07-18
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I entered into an agreement for a FHA loan to purchase XXXX XXXX, XXXX, OH XXXX. My monthly payments were suppose to be {$420.00} per month but were raised to {$790.00} per month. I paid this amount for approximately 43 months when my employer downsized. In XX/XX/XXXX, Fifth Third Bank began foreclosure against me without following the regulation at XXXX CFR XXXX. While I can not make the {$790.00} payment, I 've tried in vain to include XXXX XXXX income as a part of my household and restart the mortgage. Fifth Third has refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
I entered into a written settlement agreement with XXXX and satisfied the terms of the settlement agreement. The settlement agreement ( copy attached along with other correspondence ) clearly specifies that XXXX " shall notify the credit reporting agencies that it reports to that Borrower 's account has been settled in full ''. 

XXXX is instead reporting my account as " settled for less than the full balance '' which is considered a derogatory account on my credit. 

I have exchanged numerous emails with XXXX XXXX  XXXX is now claiming when a settlement is completed, there is only one credit reporting update that is sent to the credit bureaus which states the loan has been settled. The credit bureaus display this reporting as settled less than the full balance. 

This not what is stated in the written settlement agreement. If this was the case then XXXX should have disclosed the following language in the settlement agreement : " You confirm your understanding that the XXXXredit reporting agency will reflect your account as " settled for less than the full balance ''.

This significantly impacted my credit score and has delayed me refinancing my home and rates have increase by 1.5 % since this was reported in XXXX. 

This needs to be brought to light as there are likely hundreds of folks like me who have been misled.

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 2022-05-16
Company: MARINER FINANCE, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Struggling to pay your loan

Complaint:
I have a loan with Mariner Finance. I am a bit behind on payments. When they call about payments, I have told them I can make a payment by the end of the month. They then harass me asking, " well, what day, I need to know what exact date, and how you will be making a payment ''. My husband has a loan with them as well, previous manager, with a late payment of a % of the principal or payment due not totally sure as it's his loan but mine is {$20.00} everytime, I feel this is exceedingly high for being a repeat customer. They also can not keep their records straight. I can not find anything online in my accounts with them about my loan, only a picture of the check. Just recently, I authorized a payment for {$230.00} on XX/XX/XXXX. They only took {$100.00} from my bank account. When I called to see what happened, I was told, " we have a recording of you authorizing a payment on the amount of {$100.00}. I admit, that set me off, what recording are they making of me, so I cussed at the agent. She overheard my husband say we would be calling the Virginia GeneraXXXX Attorney. All of a sudden they try calling me back and left a voicemail saying they actually did have a recording of me authorizing the {$230.00} payment and if I could call them back to authorize a payment of the difference. I have not called them back yet as I wanted to talk to officials. I feel that, several times, common business ethnics, were not acted out and instead made me out to be a villian, acting like basically loan sharks, over an overdue payment. Granted it's not the first one, but we paid the last one with all added fees and made arrangements to do so again and it's been awhile since I've been in the job market with COVID-19 and everything that happens afterwards, but this does not make me feel right, as a customer, to be constantly harassed about late payments when I know I am late.

Company response to consumer: Closed with explanation