BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: Bread Financial Holdings, Inc.
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I am being charged interest from a 12 month interest free account with Zales Jewelers. I returned the ring only having it for 3 months, the ring was apparently defective, durning the 3 months, I had complained the diamonds were loose, then fell out..the ring was sent out for repair. I hardly had my wedding ring in my possession, so even after repair the diamonds fell out again, at this point, I Returned the ring and loose diamonds, and purchased a new & different ring ( # XXXX ring also placed on a 12 month interest free promo. ) The purchase amount of the returned ring continued to show on my billing statement throughout the year, and on 12 month promo, showing XXXX promos on my billing statement, XXXX was returned, I have called, complained, filed disputes, also faxed " return receipts '' to the disputes department as directed by their customer service associate, then when the first ring promo was up..I was then charged the years worth interest XX/XX/XXXX, I have filed several disputes and complained to the local Zales store, spoke with the manager XXXX, she also called the Comenity Zales credit card services, and once again, they said they had to file a dispute..I was told by XXXX, Zales Manager, they could not help me with this problem that the invoicing shows different on Commenity credit services, on their computer?? ( I faxed the receipts to Comenity ) and still sends me a " sorry your on promo and charged correctly ''. XXXX Zales manager also says the charges are incorrect. I also had to make a double payment XX/XX/XXXX, being told if I did not make a payment they could report me for having a dequlient account. Please help. I can give you receipts of the return and purchase..also dispute rejection letters..they always say give me 60 days, then it 's the same thing..rejection of the disputes! I was told by XXXX during the ring refund they could not refund the extended protection plan. So I have paid for the extended protection plan on both rings. 
XXXX of the returned receipts show " cash '' given back, I did not receive any cash, XXXX ( store manager ) can confirm, she called Commenity and let them know I did not receive cash, XXXX return receipt says " return '' XXXX receipt says exchange ''. The receipts are very confusing. 
I have all of my billing information, receipts.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-26
Company: Caliber Home Loans, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have my home loan with Caliber Home Loans. They placed Lender Insurance on my property without advising me. I already had home owners insurance with XXXX XXXX. They changed my monthly mortgage payment without advising me because of this insurance they placed on the property. They stopped applying my payments, which were set up on automatic payment, because of this increase. They were however cashing the checks but they were not applying the payments to my account. I called to complain after receiving notifications of a pending 30 day late. I sent in proof of insurance at that time. They advised after reviewing the insurance that they would start applying the payments but that I still owed them {$1100.00} for the insurance they placed on the property without my knowledge. They said they mailed me a letter, which I never received. They have my email address and my phone number but they did not utilize either ; only mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: Mr. Cooper Group Inc.
State: NY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Mr. Copper is engaging in dual tracking and not in compliance with Loss Mitigation Procedures. Federal Law Restricts Dual Tracking. I have appealed the denial within the required 30-day time frame. Mr. Copper received the Appeal Letter but has not responded to my appeal letter dated XX/XX/XXXX, Therefore, I have not exhausted the appeal process. I also fully submitted documents again for mortgage assistance. Mr. Copper has not stopped the foreclosure sale scheduled for XX/XX/XXXX. The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking. The servicer can't start the foreclosure process if a borrower submits a complete loss mitigation application and the application is pending. This means that if you submit all of the required paperwork, the foreclosure can't start until the servicer informs you that you're not eligible for any loss mitigation option ( and any appeal you make has been exhausted ) you reject the workout option that the servicer offers to you, or you accept a workout but fail to comply with the terms of the deal ( like not making payments during a trial modification ). 12 C.F.R. 1024.41 governs a servicer 's response to a loss mitigation application. 12 C.F.R.1024.41 ( c ) ( 3 ) ( I ) ( D ) ( 2 ) provides that where a borrower makes application and a judicial foreclosure has already been commenced, " the servicer can not conduct a foreclosure sale before evaluating the borrower 's complete application. '' Further, 12 C.F.R.1024.41 ( g ) prohibits a servicer from either holding a foreclosure sale or moving for a sale if a borrower makes a loan mitigation application within certain time constraints.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I advised the credit reporting agency is breaking the law and asked for the inaccurate account be deleted and removed from my credit profile.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: Square Inc
State: AR
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
Square told me last Tuesday my funds should be sent to my account within 48 hours and its been nearly over a week now and I still havent gotten the deposit this is the second time I contacted CFPB about the issue

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-25
Company: TRANSWORLD SYSTEMS INC
State: GA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
XXXX XXXX XXXX XXXX XXXX is the servicer of my student loan XXXX. I am XXXX. In XX/XX/XXXX there was a judgement placed on my home without my knowledge.I know there is a case going on now in court. I want to know what is the status on this case because I need the judgement removed from the court records. I need my home refinanced at a lower interest rate because i am on a fixed income. Thank you very much,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TD BANK US HOLDING COMPANY
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I went to the TD bank ATM located on XXXX XXXX in XXXX Connecticut this morning around XXXX. I proceeded to withdraw {$300.00} from the atm. The atm stated on screen there were " technical difficulties '' and it gave me my card back, no money, but the funds were deducted from my account. We were going to book our wedding venue and this was a huge burden. I was told to fill out paperwork and " may '' get my money back. Please note that this happened a few years ago for {$200.00}, i filed the correct paperwork and they did not return my money. I found out that there were at least XXXX other people today that this happened to at the same location thru our towns XXXX page. They should have said the ATM was out of order at that point. This has been a ongoing problem with TD bank and they are robbing their customers

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28
Company: M&T BANK CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have outstanding debt on my car loan with M & T Bank. I have been called XXXX times in the last XXXX days about this. I have explained my situation several times to them and they have even told me they have posted it in my notes. I have told them the earliest I could make a payment was XX/XX/XXXX. They have called me XXXX other times to try to get payments. I told them they could post date a payment for XX/XX/XXXX and they told me they ca n't post date it that far in advance. They can only post date it to the XX/XX/XXXX. This is a form of harassment and I want legal action to be taken against M & T Bank. I am unable to refinance the loan because the bank has told me I would have to be present with my father to do that. I live over a XXXX miles away from my father and am unable to travel back home for that. My credit has taken a severe hit because of this loan. I tried having my personal bank take over the loan and due to my credit it would have been too risky as they say to buy out the loan and refinance it. I am losing sleep over 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 2015-07-10
Company: M&T BANK CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Vehicle Loan ComplaintOn the XX/XX/XXXX, I made a payment on my loan in the sum of {$340.00}. Then from XX/XX/XXXX to XX/XX/XXXX I made subsequent monthly payments of {$350.00} without any trouble ( or so I thought ) until I got a letter from M & T bank stating that " As of the date of this letter, we have not received the payment on your account. '' That I owed the bank {$280.00}. The bank has also charged me a late fee of {$14.00}. 
I could not believe what I was reading. I always make sure I pay my car note before the due date and I always make payments at the branch so what was the matter? 
I went to the bank and demanded to know what was going on only to be told by the bank officials that the check I issued for my XXXX payment for {$340.00} went missing and could not be traced since XX/XX/XXXX and therefore I should issue a check for {$280.00} to make up for the amount of the missing check. 
My question is, assuming that the check went missing since XX/XX/XXXX why wait till XX/XX/XXXX. Why is the bank telling now? If the bank had made me aware as soon as they realized the check was missing in XX/XX/XXXX, I could have issued a replacement check in XX/XX/XXXX for the payment. The bank for some reason decided not to inform me until now. 
My next question is, why is the bank demanding that I make both my current payment and the payment for the missing check by XX/XX/XXXX or else ....? I think that for the bank to demand that I pay a total sum of {$640.00} by XX/XX/XXXX without any negotiations is very harsh and unfair. 
My other question is if really I have fallen behind in making monthly payments, why is the bank asking for {$280.00} and not {$340.00} which is the regular monthly amount? 
Again why is the bank charging me a late fee? 
A few days later I received my regular monthly statement. My account transaction activity showed that on XX/XX/XXXX all the payments I had made from XX/XX/XXXX to XX/XX/XXXX were described as payment reversals. Then the same statement shows that payments were applied to my account from XX/XX/XXXX till XX/XX/XXXX. 
I also called the bank on XXXX and talked to XXXX different representatives who did not seem to understand my complaints. 
Since this matter is not entirely my fault, I think that in all fairness, the bank needs to agree for me to pay off the said {$280.00} in instalment. I can pay an extra {$30.00} monthly to bring the account current. I hope this matter is investigated and settled amicable. 
Your prompt attention to this matter will be greatly appreciated. Please find enclosed copies of the said letter and monthly statement account. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: VW Credit
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
I pay by phone on the 1st of each month {$260.00} in XXXX pay by phone I must have push XXXX not XXXX I did n't find out until the next month when I was told to pay {$360.00}. I contacted VW credit they informed me I paid {$160.00} last month and now I am 32 days late for {$100.00} and reported to credit union. They reported {$260.00} late not {$100.00}. This is a mistake anyone could make. I knew about this 2 days to late to rectify.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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:
Review ComplainXXXX # XXXX for specific details. Complaint was prematurely closed as the issue outlined in the original complaint was not address by TransUnion. TransUnion 's automated credit scoring calculation tool is inaccurately calculating my credit score and as such TransUnion is misrepresenting my credit worthiness in commerce and has caused me or the potential to cause me financial hardship. 

Attachments associated with this complaint can be found in the original CFPB complaint number XXXX submitted XX/XX/2020.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-01
Company: BAY COUNTRYCONSUMER FINANCE,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: Account information incorrect

Complaint:
According to 2 hard inquirys on my credit report one XXXX/XXXX   through XXXX  from XX/XX/XXXX this account is still activate, but in excellent standards which should show payments made on time and account balance was paid off to XXXX  well ahead of time. Another inquiry is from Bay County Consumer which was paid off and account closed well over 10 years ago in XX/XX/XXXX or XX/XX/XXXX. I believe these 2 accounts begin hard inquiries are make my credit report through XXXX as low as it is at this time.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Im XX/XX/2020 I have been disputing this debt with 3 bureaus for debt validation and verification per FDRC w original Agreement and statements. I have not ever received anything

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 2020-10-07
Company: K A P S & CO (USA) LLC
State: MI
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent a dispute letter that accompanied a police report to Kaps and Co  which a representative by the name of XXXX confirmed was received on XX/XX/20. On the letter I requested them to cease and desist. The continued to contact me and even sent me a letter dated XX/XX/20 which is a FDCPA violation. Today I've spoke to XXXX and and manager by the name of XXXX who hung up on me although I was nice on he call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: FC HoldCo LLC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I refinanced my car with Flagship over a year ago, I went through the application process and sent you all the information required and you in return paid my loan with XXXX XXXX. My first car payment was not due until early 2016. During that time I was told that I could only change my due date only once and it will remain the same through the life of the loan. I did change the due date to the XXXX to accommodate my pay schedule. After I made that change my company decided to change our pay periods without giving us notice. I called customer service to have the due date changed to accommodate my new pay schedule, the representative said I had already changed it and I could not change it again. 

Now my issue with your company is that first I did not receive a copy of the contract that I signed and I have been unsuccessful in obtaining that. Second, I feel that a customer should be given the courtesy to change there due date at least once time a year but your policy does not allow that. Third, I am getting charged late fee every month when I make my car payment and no one in your customer service department has not been able to explain what amount I am being charged.I cant afford to keep paying late fees plus my regular car payment. I explained to the rep I can make my car payment on the XXXX of the month and she told me that would be noted. I am continually getting up to XXXX customer service calls a day from your company and they are the most disrespectful human beings I have ever encountered. I trust this is not the way your awful company conducts business with valued customers. 

I am completely mortified with your companies polices, bad customer service and the interest and late fees. I regret ever refinancing my car with your company. I never had these problems with 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 2022-07-21
Company: TRANSWORLD SYSTEMS INC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I am aware that according to article 9, the assignment of an Alleged defaulted debt is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692 ( e ) ( 12 ). I am not validating any alleged debt with XXXX XXXX XXXX XXXX nor am I validating any alleged debt with Transworld Systems Inc and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XXXX XX/XX/2022 I have not received any documentary evidence such as a bilateral contract nor a trilateral contract giving Transworld Systems Inc any right to collect on this alleged debt. I have never received any documentation requesting validation from Transworld Systems Inc. If Transworld Systems Inc can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, a consumer, prior to furnishing this on my consumer report, this has/and will have been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this alleged debt pursuant to 15 USC 1692 ( c ) ( c ). I am demanding a cease and desist of all illegal activities, any communication and collection activities of this and any alleged debt until Transworld Systems Inc can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and Transworld Systems Inc continues its collection efforts, I will file for litigation for actual damages caused and Transworld Systems Inc will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028a, extortion, theft by deception, securities fraud and mail fraud. Upon receipt of the documents herein this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
inaccurate information in this account. 
improper collection practices

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 2020-06-15
Company: Durham & Durham, LLP
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On XX/XX/XXXX, I received a letter dated XX/XX/XXXX from a law firm, Durham & Durham LLP at XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX, GA XXXX, stating that I owed {$1100.00} to XXXX XXXX XXXX XXXX, for a date of service on XX/XX/XXXX. 

On XX/XX/XXXX I wrote a letter and placed it into the mail ( and have photos of same ), stating that I disputed the debt, and needed more information and verification of the debt. Specifically, I requested the name and address of the entity claiming the debt is owed, along with verification that the debt is owed. I received no response at all, until XX/XX/XXXX, when I received a letter dated XX/XX/XXXX. In this communication, no reference whatsoever was made to my request for verification and additional information. I note that the communication says that no attorney has reviewed the file, however, the communications appear to come on behalf of a law firm, and claim that the amount is your responsibility, which implies a legal review. 

I do not wish to be repeatedly contacted by a law firm by a person appearing to be an attorney ( who is not ) who also refuses for 4 months to verify the debt and to provide the statutorily required information. I believe multiple violations of the Fair Debt Collection Practices Act have occurred.

Company response to consumer: Closed with explanation