BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-07-30
Company: SYNCHRONY FINANCIAL
State: OR
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XX/XX/XXXX, a {$4.00} purchase went through on PayPal Credit, which was automatically selected as my default, when I had believed & expected it to go through on my linked bank account. I had no idea it went through on PayPal Credit, and because I didn't expect to be using PayPal credit anytime soon there was no linked payment method on PayPal credits separate website. Because of this a payment was returned, two interest charges were added, and a late fee. I only discovered this because today I received a letter saying my Synchrony PayPal Credit account was closed due to delinquency of a whopping {$17.00} dollars. This was the only notice in paper I received & although I had received email notification, it was clear enough with terms like payment adjustment and automatic payment. I assumed if I had any charge on PayPal credit, and it's saying automatic payment processed, that I must have had a payment method on file & that it had just automatically made a payment. Now I have payed the balance off, but I received a blow to my credit for a {$4.00} purchase that was never supposed to be placed on credit 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 non-monetary relief
Consumer complaint received 2017-05-23
Company: FIRST HERITAGE CREDIT LLC
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I need late payments removed off my credit report as charge off when I refinanced my loan and is currently paying on it. I would like this removed from my credit, because it is negatively affecting my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Received a notice from Citi that my credit card account of several years standing was being cancelled due to inactivity.I had not used the card for 3 years. However there was a rewards balance of {$130.00}. When I called the Citi call center to ask about the cancellation, I was told that when the account was closed the rewards balance was cancelled as well. 
While their card agreement allows them to cancel at any time for any reason, or even for no reason at all, I think it is unethical for them to stick the rewards dollars in their pocket. 
I would be curious to know the accumulated amount of rewards they pocketed from inactive cardholders as a result of this kind of action. 
SUMMARY : I understand their right to cancel the account, but feel cheated that they took my rewards without warning. A similar experience with airline miles happens, however it is with warning that miles will be cancelled if no activity took place ( and usually with several notices to the account holder ). I think bank regulators and elected officials should be aware of this self enrichment action on Citi 's part.

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 2015-12-04
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am a co-signer for my son, XXXX XXXX. He attends XXXX University in XXXX, PAOn entry to school in XXXX 2011, he took out a XXXX XXXX loan, I co-signed. I was working a very good job at the time and we opted to pay the interest on this first loan right away. I was laid off from that good job a month after school started. All subsequent loans for school, taken every semester since his entry in XXXX 2011 until current, have been deferred payment loans - payments deferred until after he graduates. All loans were taken out on XXXXXXXXAt some point a few years ago, XXXX XXXX informed me that they merged with a company called Navient. At that time, I started getting XXXX different bills for XXXX different loans. I had no idea why as we never took out a loan without opting for the deferred student loan payment. I called XXXX XXXX and they told me they have now " unmerged '' - never notifying me. They left XXXX of our loans with Navient - without my consent. And in calling Navient, they state that they do not OFFER and DEFERRED PAYMENT student loan and thats why we are getting billed for all these loans. On top of this, I have been paying approx {$250.00} per month to Navient and they admitted to me on the phone that they " MISAPPLIED MY PAYMENTS '' causing me to " LOOK DELINQUENT '' and they reported such to the credit agencies, dropping my credit score and my sons credit score by XXXX points!!!! They said it will take days to fix and file a retraction with the credit agencies. No one was very nice or helpful at Navient. XXXX XXXX just blew me off - not their problem - they gave the loans away to someone else. Can you help me??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-22
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I had a direct payment on line issued on XXXX/XXXX/16 to Goodyear Credit Card/Citibank. My bank showed that payment was made and received on XXXX/XXXX/16, which was due on XXXX/XXXX/16. I received my Goodyear bill on XXXX/XXXX/16, showing payment was never made. I reviewed my on-line account and it showed payment was made and cleared. I contacted my bank and they are looking into it, as the account number is correct. I contacted Goodyear/Citibank and advised them of same, asking them to not charge me the late feel. I offered to show them my bank statement advising of same, but they refused to credit the late fee, stating my payment was late, apparently not even reading my email. I went on line to Goodyear directly, after talking with my bank and made a payment to avoid another late payment. Please assist me in getting my late fee reimbursed, as the payment was made timely, it was an issue with my bank sending the payment. 
I tried to attach my history of payment, but the website would n't let me attach 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 monetary relief
Consumer complaint received 2016-12-10
Company: Lending Club Corp
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XXXX of 2016 me and I wife opened a roth IRA with lending club XXXX dollars each. Lending club has a promotion that if we keep XXXX $ min all fees associated with the IRA would be waived. The promotion is still available in the website for verification purposes. We keep the money in cash and after learning more of the investment options in Lending club decided to move our IRA to our investment firm XXXX for more conservative options. When I called up lending club to transfer the funds they informed us that we need to call up the IRA custodian account and there would be a termination fee of XXXX $ which could be raised any time and it was left to the discretion of the custodian. In other words the custodian would charge me and my wife XXXX $ to simply close the account and transfer to another IRA account. I have retirement accounts with XXXX, XXXX XXXX, XXXX and XXXX and none have termination fees to close accounts and I am shocked at not knowing. Lending club should have been fair enough to disclose termination fees upfront and the pricing of XXXX to close a account is shocking and close to price gouging. Keep in mind all the money is still in money market and not invested in any product. To simply move my money to another account and pay a fee of XXXX $ for that is simply a predatory practise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-05
Company: CITIBANK, N.A.
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear CFPB, We had been problem with Citibank for XXXX year. We was not able keep property up for sale and it went under contract XXXX times. Each the over of Mortgage ( XXXX ) keep denying the sale. Also other sale contract coming in close to the full listing price, Awhile this negotiating process was going on and the Foreclosure was still going on without my knowledge. We just found out today that property is listed for sheriff sale in about XXXX week. All the while we understood that the foreclosure was put up on hold. We need help, we are trying sell property and we have worked with the lender in every regard. We believe this is illegal because it called dual tracking, neggotiaty XXXX hand and foreclosure with other. 
Thank youXXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The consumer is here to dispute any alleged claims that you are now listing as a consumer debt on the consumer 's credit report as a federally protected consumer. 
In accordance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), the Consumer is asking you for validation ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Central Portfolio Control Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received notification on my XXXX and XXXX alerts on XX/XX/2022 of an alleged medical collection debt in which no prior correspondence received. I have sent certified letters on XX/XX/2022 requesting XXXX XXXX XXXX, XXXX and XXXX to verify debt and requesting copy of signed XXXX authorization to release information to 3rd parties. To date, no information has been sent to verify this alleged medical debt of {$1700.00} from Original Creditor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-30
Company: Orions Management Group, LLC
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
I've been unable to reach the original creditor that sold this account to Orions Management Group in the amount of {$550.00} On XX/XX/2021 without any notice or phone call, Orions Management GR opened an account with XXXX  alleging I've been in collection with their firm for 2 years and 8 months damaging my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: WI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a money payment deposit through my Venmo account for a pending purchase from a woman, who I later found out was the mother of a minor male customer who attempted to make a purchase with me. I do not sell to minors and was unable to reject the funds or return the funds once received from Venmo back to the customer through venmo. After serveral attempts to contact Venmo to get help, I transferred the money to my bank and after 2 days funds were available for me to withdraw, which I did in the form of a cashier 's check made out to the woman who sent the payment. After conversing with the minor customer and finally the mother who sent me the funds, I notified them the funds were being returned as promised directly into the bank account they provided me, an outside institution. On the same day that the deposit was made and the funds were available in the customers account, the woman who send me the deposit funds made a complaint to Venmo for refund through Venmo. Venmo sent me a notification that the transfer was in dispute at which time I immediately submitted a copy of the deposit receipt and the front side of the cashier 's check showing the refund was already sent and complete to the customers mother. Venmo the next day declined my evidence and refunded the customer and debited my account a negative balance for the same. Over the next XXXX weeks I made numerous chats with their company reps, requested appeal of the return as they directed me to and submitted the same proof documents via email to their payment support team. After a month the issue has not resolved and Venmo has not responded to my numerous requests for update.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: Western-Shamrock Corporation
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My XXXX year child is getting calls from a local loan company, Western Finance. When they call they are asking her name and information without saying who they are. She hasnt given them any information and I have asked them direct four seperate times to stop calling her. Today, I was cursed at by their employee and hung up on. I have never had any type of loans through this company at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: CITIBANK, N.A.
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
a law firm filed a bogus credit card debt through XXXX while i was in texas and reieveid a default judgemenet. when a i returned i filed a motion that to set aside the judgement, the judge denied the motion. i called the aledged company and they in formed me that they do not issue credit card and had no records of any such transaction. i mailed the collection agency and their new law firm a debt validation and cease and dessit letter, their response was that the default judgement was thier proof. they are garnishing my wages with the courts help the court refuses to recognize federal and constitutional law, as well as ignored my request for due process.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Hard inquiries and debts tied to a address is never lived at and when I reach out to XXXX XXXX Equifax and Especially XXXX about the issue they say the debt or inquiries is valid yet the personal info such as social Security number and name and address is incorrect and it's like they don't care to clear it up hard Inquiries on accounts I already have so why would I apply for them again but they don't seem to see the issue it feels like a scam honestly

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Central Portfolio Control Inc.
State: TN
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is not my debt. I have no knowledge of it. It says its a medical bill. I have no contract with this company and medical information is a clear violation of HIPPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Netspend Corporation
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
I have a I have had a PayPal prepaid XXXX for approximately the past 3 years. 
I recently got a new phone # and was unable to change it without help and can not sign in to my prepaid XXXX through my Paypal account ; therefore, I can not view my balance, debits, or credits. Basically, I am locked out of PayPal prepaid XXXX. I called prepaid, the agent also was unable to change it. He decided that I should delete my Paypal account and register a new one ; everything the same except the phone number. I did so despite my misgivings. I linked my prepaid XXXX. So far so good. From then on, even though I have transferred funds and paid a bill from prepaid to paypal, I CAN NOT LOG INTO PREPAID AT. ALL. Although it says they are linked it is not. I can sign into PayPal and transfer funds to my XXXX and pay bills from XXXX through PayPal, but I HAVE TO PAY FOR TRANSACTIONS FROM PAYPAL, and do not pay for them when using my prepaid card, AND I. CAN NOT. HAVE. ACCESS. TO. MY. BANK. STATEMENT. I have contacted PayPal prepaid XXXX, they send me over to Paypal.And vice versa. I have enclosed a screenshot of XXXX of many emails from both the companies and a screenshot of error message when trying to log into XXXX account. 
**IMPORTANT** PayPal prepaid has the option to log into the prepaid account ; however, I was never given the option to set up a user name with a password, so essentially I am denied access to my bank statement including balance, debits and credits

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 2015-07-28
Company: Solidus Group LLC.
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. 
They have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. 
When I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. 
I do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times.

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
Consumer complaint received 2022-11-15
Company: EQUIFAX, INC.
State: IN
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: HUNTINGTON NATIONAL BANK, THE
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On Friday, XX/XX/2022 I opened a checking and a money market account with Huntington Bank and deposited {$1100.00}. The accounts were successfully opened. Then, today, XX/XX/2022 my accounts were closed without any notification and my {$1100.00} which I need immediate access to are missing. This is very scary for a bank to successfully open accounts and people deposit their hard earned money then for the account to be closed just days letter. This could cause financial ruins in low income households with money being missing. This bank should be investigated by the FTC!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My husband and I have had a credit card account with Macy 's for many years. As with all of our accounts, we have NEVER kept a balance with Macy 's and our credit scores are in the exceptional range. I received notice from my credit monitoring company XXXX that they found a negative report on our credit from Macy 's. We had made a purchase three months prior that we were never billed for, and were unaware we had a balance. Upon discovering this we paid it immediately and requested that the negative report be removed because we had never been billed. The Consumer Credit department personnel were unprofessional and practically hostile to our request. Rather than recognize from our long standing payment history that we were unaware we had a balance, they would not accept our honest account that we had never been billed. This was predatory and Macy 's needs to remove the negative report from my and my husband 's credit account.

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 2020-06-20
Company: Radius Global Solutions LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
i am getting 3-4 phone calls EVERY SINGLE DAY and when i answer the phone it HANGS UP ON ME .so basically, this phone number calls me 3-4 times DAILY starting very early in the morning and running very late at night and EVERY SINGLE TIME I TRYT ANSWER THE PHONE IT HANGS UP ON 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