BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-20
Company: FINANCIAL MANAGEMENT  SOLUTIONS (NY)
State: NM
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Received several phone calls from phone number XXXX stating that I needed to " cooperate with '' the company by paying {$200.00} of the {$400.00} debt. Then, my social security direct deposit information was changed online. They requested that my payment be deposited to XXXX XXXX card. A fraud alert has been set with social security, but the payment to the XXXX XXXX card was never recovered by social security.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: TRIAD FINANCIAL SERVICES, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Me and co-buyer closed on XX/XX/XXXX. Upon closing we were not informed about a " construction loan '' by the closer. We were informed that construction would begin XX/XX/XXXX and upon completion the lender ( Triad ) would have to sign off prior to us receiving our keys to the home. Construction was signed off by lender ( Triad ) on or around XX/XX/XXXX. The issue we are having is me and co-buyer were sent on XX/XX/XXXX our updated payment letter via email, and received notice that we were behind on payments in the amount of {$3200.00} for months XXXX thru XXXX concerning this construction loan. We were informed then that we couldn't start paying towards our mortgage that was due to start XXXX XXXX until that is paid in full. We were surprised at this as we never received any bills, phone calls, or notice of this from lender ( Triad ). The day after on XXXX XXXX we were then informed that our mortgage loan would be going to XXXX XXXX XXXX XXXX XXXX but then again they wouldn't release the loan to them until said " construction loan '' is paid in full. We have since asked for the bills or notices to be sent, and we have yet to receive that information regarding " construction loan. '' I also have email correspondence where Triad has stated it was a mistake on their end that we didn't receive those bills as they had all up to date addresses and phone numbers, but weren't really sure what happened. Another email correspondence I sent to Triad asking why we are being charged for months XXXX through XXXX when actual construction was XXXX through XXXX. Trying to get the matter resolved quickly we paid {$1500.00} against said " construction loan '', but when we went to pay off remaining balance we were told interest had been accrued as the loan is in collections and the pay off was again back up to $ XXXX. How are we in collections without any notice, and how did Triad come up with this amount. I did calculations based construction starting in XXXX to XXXX and that came out to around {$1600.00}, but if they applied XXXX as well it would have come to {$2400.00}. With us paying {$1500.00} to Triad already at the most we would owe {$940.00} or least {$130.00}, but we are again awaiting the bill notices. I was informed this morning that I'd be receiving a call from management, and at this time still awaiting. We can't see to get a straight answer from anyone and each department has a different conclusion. This matter we are trying to clear up as soon as possible, but instead it feels as though Triad is extending this matter and we are being charged interest every month until paid in full and that is due to this being in collections ( debt ) when in all actuality we shouldn't be as NO BILLS, NO CALLS, NO CORRESPONDENCE was ever made prior to now. That is unlawful and wrong and Triad needs to work with us not against just to get extra monies out of us.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-23
Company: AFNI INC.
State: FL
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:
XXXX continues to send me a collection notice 3 times after I told them that I never had XXXX sytem @ my home or owe them NOT XXXX BROWN PENNEY.They refuse to stop their tactics and continue to send collection notices after I told them 5 times not too!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14
Company: BANK OF THE WEST
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I had an account with Bank of the West a few years ago. There security fraud department contacted me because they seen a computer system from XXXX trying to access my account. They stated that I had a mobile banking set up on my account and I did not. The security/fraud department contacted me four different times. They allow a payment to post to my account and then it was return as fraud and it caused my account to overdraft. They billed my account and closed my account after I told them I did not have mobile banking and they allowed the transaction to complete. The amount was around XXXX and this had negatively impacted my credit. I was billed for a security problem in there system and it 's not right that this was allowed to happen to me.

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 2022-11-16
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
usaa rejected 3 of my payments when i had money in the bank. not only did they charge me XXXX dollars but one of my payment companys charged me a XXXX dollar return fee. USAA returned XXXX dollars but not the whole amount which they caused me to be charged. I'm asking that USAA return XXXX dollars in total that is still not returned. attached are screen shots.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: MOHELA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have called XXXX separate times in XXXX weeks and also chatted with a representative and received XXXX different answers. MOHELA has constantly changed the answers and information given to me. They refuse to clarify the process or expedite my concerns. I have met requirements for loan forgiveness at XXXX payments and the same approved employer. I was first told I was on a discharge list to be discharged within a few weeks, then told I was not on a list at all, then told on the list but 120 days. I need help please and to be told accurate information. I am eligible for immediate discharge and I do not deserve to keep getting different information and no help on this

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: Flagstar Bank, N.A.
State: CT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My city made my property tax exempt, after deceasing the mortgage for over two years. Without notice the lender FlagStar Bsnk added taxes back to mortgage. No matter how many times I sent in proof of exemption they would not change it. They drove the mortgage up and would not take my payment without the taxes stating they were short payment. They tried to justify the increase by stating that the mill rate in my city went up, however it was unchanged that year. They put me in Forclosure and would not grant a modification. XXXX is now involved and they took title of the house. No one would address the tax issue or the double of the mortgage.

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 2016-01-15
Company: BANK OF THE WEST
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I sent a {$17000.00} wire transfer on XXXX XXXX. It is an international wire going to XXXX bank in XXXX, XXXX receiver 's name XXXX XXXX. I am attaching copies of he wire transfer. The funds never reached it 's destination and my bank has n't been doing enough to trace or recall and find our where my money is floating around to. Please, if anyone can help let me hear back. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Problem with a company's investigation into an existing issue
Sub-issue: Their investigation did not fix an error on your report

Complaint:
TransUnion continues to violate my consumer rights. TransUnion continues to report inaccurate bankruptcy information after they claimed to have verified it. On XX/XX/2022 I sent a letter requesting a RE-investigation and method of verification with the specific details of the investigation. I received a letter stating that they are not required to. It specifically states, " unless you have additional relevant information that supports the change you are requesting ( ie a letter from the creditor or courthouse etc ). They then list the court as the furnisher. This is why I believe TransUnion did not investigate my dispute and just discarded it. My original dispute including the letter from the court stating they did not furnish this inaccurate and unverified information to TransUnion or anyone else. XXXX XXXX XXXX, Chair of the House XXXX XXXX reported that the consumer reporting agencies are not fulfilling their obligations to the consumer or the CFPB in accordance to the FCRA as evidenced by insufficient investigations or accepting findings of furnishers without an independent investigation. My dispute is exactly XXXX of these examples. I am enclosing my letter I sent on XX/XX/2022, the false and misleading response from TransUnion, the letter from the court, a copy it showing on my consumer report, and my driver 's license as proper identification.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-30
Company: Paypal Holdings, Inc
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
PayPal Credit charges me late fees and interest every month that are increasing in an exponential manner. 

Over a year ago I notified PayPal that I wanted to receive paper statements. I received an online notice asking me if I wanted to receive online statements and opted in. Paypal did not notify me that this would result in me stopping receiving paper statements which I never objectively opted out of. Because I relied on these paper statements my bills were consistently late assuming that they had been lost in the mail. I did not realize that paypal had surreptitiously cancelled my mailed statements until after they decided to stop refunding late fees and interest which they did do for one or two months. 
I also told them repeatedly to keep sending me paper statements which they promised to do but never followed through on. Now I dont use my paypal credit account. 
Since paypal has refused to refund the interest or late fees of $ XXXX/mo I have refused to pay them and they are now threatening my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: ENCORE CAPITAL GROUP INC.
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have had a XXXX XXXX  XXXX account which is not using for more than XXXX  years. I have used that card just XXXX time, buying something on-line with amount of {$100.00} the amount that I paid full within XXXX weeks. I never never used anymore the card. 
Without any notification I received a mail 2 days ago that notified me that I owed {$340.00} then they put me on collection. 
Could you, please, make your verifications, research, and fix the problem. I can not handle this issue. Let me confirm XXXX more time I never, ever, never used the card. 

Thanks and Regards XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: KY
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: Investigation took more than 30 days

Complaint:
on or about XX/XX/2022 i sent a request to company regarding account level documentation about the debt company has failed to respond but continues to report negative information

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 2015-11-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I had dealt with the issue on my credit report last year which was with XXXX. I had Lost my home into foreclosure in XXXX ; due to failed, XXXX. ( Which was all cause from an auto accident in XXXX ; a driver that was texting that hit me from behind! ) I 'm now on social security XXXX. I had to get the XXXX mortgage with XXXX, released before I was able to close on my home. So this was taken care of as of last year, closed XXXX XXXX, XXXX. I received in the mail a letter XXXX, from XXXX XXXX XXXX Acct. XXXX this letter in ref. to property, my old address.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
On XXXX XXXX 2022, I checked my account through synchrony bank for XXXX XXXX and discovered my account credit limit decreased from {$2200.00} to {$1600.00}. Now that might not seem like alot to some but to me and my husband who have other bills to worry about it is. I have been in good standing on this account since it opened. I have made good payments on this account. When I asked the company about why they did this as I got no warning notice at all of this, their response was they pulled a credit check and decided to lower my limit based on that. Now I have had credit cards thru other companies and they NEVER pulled a credit check after I was a established customer. This baffled me that synchrony did this. Then they had the audacity to lie about my credit score stating it was XXXX points lower than my report actually said and stated their decision was on the basis I lacked any mortgage history. I didn't even have a mortgage when I opened the account with the above stated credit limit. They obviously didn't care about it then so why now? Now because they did this my score decreased XXXX points, My card is almost maxed out and my minimum payment went up to where I can no longer afford to pay it along with other bills. Their customer service rep was very rude and unhelpful. I can not even believe what they did was legal yet their rep said it was and they are protected by their policy. They claim a letter was mailed to me XXXX XXXX but I never received said letter. 


Thank you for any help given.

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 2021-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I sent letters to all three major bureaus the date of the last letter to XXXX  was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means 3 Credit Bureaus has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: AFNI INC.
State: TX
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:
ANFI, a third party debt collector has placed an account for collection on my credit report. They claim that the original creditor was XXXX XXXX XXXX. The amount of the debt is reported to be {$550.00}. I have contacted them but have yet to be given any record of where the debt is coming from. I am and have been a customer of XXXX XXXX XXXX since about 2003 and to my knowledge do not owe them for any outstanding balance. I would like to receive a copy of an invoice, statement or bill showing me as the original debtor and some indication as to what the bill was for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The issue that I would like to bring to the attention of the CFPB is that Regions processes ACH drafts before the designated date specified on the draft. It has happened a number of times on my accounts at Regions causing overdraft fees throughout the life of my accounts there. When I question the reps in the call center about the issue, they can not explain why to me. 

Example 1 : Mortgages payments set to come out on XX/XX/XXXX. Draft was processed on XX/XX/XXXX. 
Example 2 : Most every week, I have a draft for {$200.00} for a daycare payment set to come out on Monday. It always comes out on Saturday mornings. 

I have learned what Regions does so I try to be prepared early for the drafts but this practice should not be acceptable for organizations such as Regions. 

Also, if you have a draft that is set to be deposited and it falls on a weekend, then you have to wait for the following business day for that to be deposited but they process the ACH drafts the opposite way and make it where it drafts on the last business day.

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 2015-05-30
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Toyota financial repeatedly calling all hours and with rude language, I do not have a Toyota, do not own a Toyota, I just got the phone number on XXXX XXXX. they call all hours and are rude and nastXXXXy, I have called trying to get my number off and to no avail, im going to file a lawsuit against toyota

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: REGIONS FINANCIAL CORPORATION
State: MS
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposit to regions bank XX/XX/XXXX of {$19000.00} Bank then sends us a letter that letter stating that they are holding the funds for more than 7 days - they are holding for 10 days because they have an anonymous source that states the funds may not be paid I called client who gave me funds and she said money was taken out the same day and that her bank XXXX XXXX XXXX states that Regions Bank had the money within 3 days which is prior to the date they sent me the letter. 

Funds were paid but the bank is sending letters of lies in order to keep funds longer so they can use them. Plus they are making the statement that the other party may not honor their check! 

Deposit into regions bank XX/XX/XXXX of {$74000.00} Bank sends us an email that they must hold the funds longer than 5-7 days because they have yet an anonymous source that states the funds may not be paid This check if from our XXXX XXXX XXXX. I have no doubt that the check will be paid and again Regions has put another lie in order to use our money for a longer period of time. 

I can not be the only person who is being fed a series of lies in order for them to use our money ... they need to be reprimanded ...

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 2016-07-22
Company: AFNI 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:
I called XXXX to ask why there is a collection of {$290.00}. I 've had an account with them for years and never owed them. I called to request XXXX service for television Only to be told after signing up that it is not offered in my area. I never received equipment. But I notice whenever I called on my telephone service I was ask by an electronic voice " Is it about my XXXX account? '' No because I could n't have a service that was not offered in my area. This is from year 2011.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: REGIONS FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I established a line of credit for overdraft protection on my checking account in XXXX. Regions Bank took over the original bank where this was established. When I signed for this protection I was not married. I was married in XXXX and my wife was on my checking account till I closed the account in XXXX. Somehow Regions Bank attached my now ex wife 's name to this account. I have asked for proof where she signed on the line of credit. They said the loan was too old and they could not provide any documents to support her signature or even a copy of the original loan. Some where along the way Regions Bank has changed the original to satisfy what they have allowed to happen. When my ex wife borrowed the money in XXXX XXXX, they told her that this was an overdraft protection and did not reveal to her my name was attached. Regions bank should be held accountable for what I think are illegal actions. 

.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief