BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-19
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card
Issue: Other fee

Complaint:
My name is XXXX XXXX I have an account with Barclay card ( last XXXX numbers XXXX ), it was originally used to purchase XXXX Iphone 5s from XXXX in conjunction with Barclay card stating No Interest for the first ( year or 6 months ), I can not remember which, now almost 2 years later they sent me a notice saying I have to pay in full the deferred interest rate, something I knew nothing about. I just find this to be extremely misleading and unscrupulous. Its not even listed in the normal part of my statements but if you go down alot further in XXXX little section they show it or at least they do now, but if your just checking your balance and keeping track that way no idea, as stated it just seems like a greedy unscrupulous fine print kind of thing

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: Movement Mortgage LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
Back in XX/XX/XXXX I was connected with Movement Mortg and the Loan officer XXXX XXXX which i dealt with took my loan processing all the way til 2 weeks before closing which at that point i had paid {$270.00} for pre-purchase inspection and also paid {$500.00} for home appraisal and then he stopped everything cause previously I had claim bankruptcy including a property that i had and because of a date that XXXX XXXX XXXX removed our names off after i was discharged from the bankruptcy, the reason for bankruptcy was my husband had XXXX and could n't work for over a year, at that point XXXX stated that i can pickup the process and no problem should happen come XX/XX/XXXX, so at the beginning of the year I was introduced to XXXX XXXX, with her it seems that i was given the round around, she had stated that to increase my credit score to qualify, i would need to pay off my credit cards which i did and it cost me another {$430.00} and for what? nothing, she just told me that my debt ratio equals my income?? I was promised and given the run around twice. The only way that I can get approved now is if i have a co-signer as per XXXX, ater this she emailed me that she gave my file to someone else, which is un-professional even when i told her to keep my file open to see if I can get a co-signer. I feel that i was taken advantage of and lied, if I did n't qualify, i should of been taken as far as I was taken, this has cost me XXXX and money!

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 2016-06-30
Company: Mercedes Benz Financial Services
State: AR
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I contacted Mercedes Benz Financial Services to alert them that they are erroneously reporting derogatory credit lines on my CBR. I spoke to a XXXX XXXX who had me fax my credit report to her and she said she could send me a letter today ; they admitted that they have made a mistake, but then she told me I would have to wait 30 days per her Supervisor, XXXX XXXX to get it removed? It is not my loan and I advised it was causing adverse action. I asked for her supervisor, XXXX XXXX, who refused to get on the phone. I asked for an escalation to an Operation Manger and was told that none were available. I asked for an Executive Office of Relations or Complaints department to correspond to and was told there is no contact or email address that can be provided. The agent acknowledged receipt of my credit file and admitted that I was not their Customer, so I do not see how they can report this and then treat me like I am their delinquent Customer. I have never had a loan with them or Lease. I am more concerned with the crass, condescending attitude and belittling comments XXXX XXXX made and at one point actually laughed in my face ( she later said that was a Co-Worker laughing at me ). Yes, I 'm upset ; I 'm irate. They may cause me to lose my home- Please help me. This new agent who clearly did not even know the Leadership of her company, as I looked it up said I can only speak to her and she will call me back in a week? That does not seem fair or right. I would please like you to check their documented process of internal complaints and make sure this agent acted in accordance with the documented policy and procedure, as I feel I was not treated fairly and due to the disparate treatment, I now will have adverse action and this will cause a hindrance in a personal life goal of buying a home - all for a loan that DOES NOT BELONG TO ME! PLEASE help me. All I requested was a letter on company letterhead admitting what she verbally told me, that the account did not belong to me. Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have had trouble with my Sams Club Mastercard, through Synchrony Bank, since Sams Club switched to it XX/XX/XXXX. I have used it at my local Walmart XX/XX/XXXX, and it was denied, I have tried using it when I traveled for work XX/XX/XXXX in XXXX it was denied, even though I contacted them through email to notify them of my travels. 

I filed a complaint with your office XX/XX/XXXX. 
I used it in XX/XX/XXXX, on a trip to Florida, after having notified them of my travels. I used it in a grocery store and was told of " suspicious '' activity, and they froze my account. 

This was the last straw, and I decided to not use this card anymore. 

As of XX/XX/XXXX my current " reward balance '' is {$240.00}. This amount should have been mailed to me by XX/XX/XXXX ... .I have not received it. 

This morning I talked to XXXX ( last name unknown ), from Synchrony Bank and tried to find out why I have n't received my money. He pretty much gave me the run around. I just would like to receive my {$240.00} and be done with this company. 

This company has been a thorn in my side, and I think their service is deplorable! 

I would appreciate any help in this matter that you could give me. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Bridgecrest Acceptance Corporation
State: MI
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.

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 2016-06-18
Company: PNC Bank N.A.
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I received a check from XXXX XXXX XXXX co to pay off my loan on XX/XX/2016 I took it into a local PNC branch and was told that due to the size of the check that the manager was n't able to sign off on it and it needed to be sent to a special dept out of State and that it would take XXXX business days to be released because they needed to verify funds. I have never heard of anything like that before but since there is n't a local branch that the check was drawn from, I had no choice. They received the check on XX/XX/2016 and requested something from XXXX guaranteeing funds, a fax was sent to them the same day, then XXXX days later requesting a letter explaining why XXXX XXXX issued the check? My car was a total loss, but why does that matter to them, and why did they wait XXXX more days to request it? That was sent XX/XX/2016. If they have a check with a guarantee they need to release the funds right? A portion ( XXXX ) of the check is my money and they have n't released a dime of it .They are making me wait for my money too, I do n't understand how they can do this. The lady that I was working with left me a message on my answering machine that funds wo n't be released till XX/XX/XXXX. I tried to call her back and she is out of the office till XX/XX/XXXX ... I am having to pay for a rental car out of my pocket this whole time because they are holding my money and I need it to buy a car. Please assist me in this matter because I feel that they are taking advantage of me as a consumer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: PNC Bank N.A.
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
I have a credit card account with PNC. 
They state I am entitled to 1.25 % cashback on every purchase, I made a {$1300.00} car payment for a friend to XXXX financial and they are stating because of the way XXXX coded the transaction that im not eligible. 
Spoke with at least XXXX people who all tell a different story, several have even agreed with me but in still missing a huge credit to my account. 
I firmly believe that PNC has ripped me and others off in the past and they are still doijg it as we speak.

Company response to consumer: Closed
Consumer complaint received 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am not familiar with this account. I have contacted Capital One concerning this account my letter was delivered on XX/XX/2021 the tracking number is XXXX XXXX XXXX XXXX XXXX. Capital One has not responded to my letters, they have not sent a contract, statements or any documentation concerning this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
XXXX XXXX XXXX HIRED CAVALRY TO SKIP TRACE ME AND FAMILY MEMEBERS TO LOCATE ESTRANGED BROTHER AND SISTER -IN-LAW, WHILE VIOLATING OUR PRIVACY AND HARASSMENT VIA PHONE, ( SEE ATTACHED INFO ) ALL ARE IN VIOLATION OF FDCPA AND TCPA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-27
Company: Debt Recovery Solutions, LLC
State: FL
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 retrieved a copy of my credit report on XX/XX/XXXX. I noticed that Debt Recovery Solutions , LLC had inserted 2 entries on my credit reports and failed to notify me that they were attempted to collect a debt. To that end, I sent them a dispute letter dated XX/XX/XXXX whereby I asked them to provide validation and not verification of the debt as well as any correspondence they allegedly sent. 

Debt Recovery responded by sending 2 bills that reflect the procedure for services allegedly provided to me. Upon receipt of this correspondence, I sent them a second dispute responding to their lack of validation of the debt. In my letter dated, XX/XX/XXXX, I requested that they provide a copy of the financial responsibility page as well as any documentation to reflect where I granted XXXX XXXX XXXX   permission to share confidential information for any services they allegedly provided. This is a direct violation of my privacy rights. Since this company has blatantly violated my consumer rights by not informing/notifying me of any alleged debt they were attempting to collect on my behalf and did not allow me the 30 days I am due by law to dispute the validity of their claim and also by reporting information on my credit report that they were not able to validate nor furnish the financial responsibility page or any documentation that bore my original signature. 

DELETE THESE ENTRIES IMMEDIATELY FROM MY CREDIT REPORTS!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CNG FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep getting calls from various numbers every so often ( over the last 4 years ) they will call under a different name and with threats from a public server that I will be served at home or work withing 24 hours. They have also contacted my ex-husband and mother-in-law continuously.. when i ask the name of the company and address, they give me nothing but today a person named XXXX XXXX called and said he will serve me within 24 hours. I am not sure if this dead debt is being tossed around to several collections companies every so often ... ..I need them to produce info, take me to court or something, but I just keep getting harrassed and no info from them. here are XXXX of the numbers that called me today from the same place ( XXXX ) ; ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Turning Point Solutions LLC
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 signed up for this dating service, XXXX XXXX on XXXX/XXXX/2012. The representative of this company did a bait and switch of their dating services. I specifically told the woman that I DO NOT want a blind dating service. She told me that I would be able to see a photo before hand. She also did not give me a copy of the contract until after the three day rights of recission expired. I also was an emotional wreck when I came into the office and signed it under duress. Afterwards, she told me that I can do a different plan to see the candidates but it would cost me an additional {$10000.00}. 
Now a collection company called Advanced Capital Solutions is hounding me for further payment. As far as I am concerned, they should issue me a full refund for the money that I already paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was told my mortgage company participated in the deed in leui program with relocation assistance. I have been trying to get this since XX/XX/XXXX, SPS has been playing games making me get the same documents 12 times, reapply 3 times, then denied me outright. I am getting the run around for 4 months. I filed bankruptcy and can not afford to keep this home., I was told in XX/XX/XXXX it would take 45 days to get this help. In XX/XX/XXXX I started looking for a new place to live, SPS is still playing games. we are now out of our home, and broke. We are trying to do the right thing, we qualified for this relocation assistance and we are getting jerked and from what I am seeing online many people have gone through similar with SPS. I feel they are getting government funds for " pretending '' to participate in this program. PLease help us!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have not been receiving notices. I have sent in paperwork fromthe doctors because im XXXX XXXX. Im on XXXX. When i was getting voice mails I was in contact with any agency that contacted me and each time without fail It was we have no record of getting a doctors note concerning you. After a bit of searching with a few respresentatives that took the time to look deep into wherever they looked one was found. my account was put in deferment. I kept getting calls and I kept calling and explaining. The next set of calls I have been receiving are for student loan forgiveness. then I call them back and I got we cant help you. I get the message I qualify but still cant get the help I need. Im confused and frustarted

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24
Company: CITIBANK, N.A.
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
Citi AAdvantage is soliciting Credit Card application for XXXX at my residence, even after phone calls to stop sending those applications.

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 2015-10-10
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have ( XXXX ) citi cards, XXXX visa and XXXX mastercard. This pertains to my citi visa card. Earlier in the year, I did a balance transfer in order to pay the balance without APR. Since then, I charged additional dollars on my citi vsa card during a certain 2 months. I always pay my cards on time and alot more than the minimum balance due. Since XXXX I have {$4700.00} toward this card. They have lowered my limit twice this due to " credit report review. '' They have not disclosed specifically about what caused the limit to decrease. Once I called and they told me due to another delinquent payment on another card. This is untrue because I have not had any delinquent payments to another card. I pay all cards on a regular scheduled basis. They said they sent me a notice but the email notice only includes the notification of the decrease limit. These actions are contributing to a lower score because it seems as if I am more maxed out than I would be if the limit stayed the same as it was in the beginning of the year. I asked the representative today where does it show that they are allowed to lower my limit. She said in my terms and conditions. I could not find the statement that shows this information. Then she mentioned it does disclose my APR could change. However, a change in APR is completely different than changing my credit limit. I wanted to to understand why they were doing this. Asked for a supervisor. Their response, " There is nothing we can do for you but have you reapply for a limit increase.It is too late to do anything from the credit decrease in XXXX. '' XXXX, I think I remember doing this already earlier in the year and still were not able to give me any more information. I am on a vigorous financial plan to payoff the credit cards, $ XXXX per month and have been for 7 months. I do n't charge more to the cards with the exception of one because there is no APR on it and they are business expenses. I do not live off the cards and have enough income and managing everything appropriately. They have failed to provide sufficient information as to why they are taking this action which adversely affects my credit score while I am trying to retain my credit score.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: SYNCHRONY FINANCIAL
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have no knowledge of this debt. My account with XXXX credit bureaus has a fraud alert unit. The credit bureaus must provide me with written authorization or delete asap. I request that each and every account or inquiries be removed and I request an updated credit report reflecting changes.

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 2015-09-09
Company: BARCLAYS BANK DELAWARE
State: MO
Product: Credit card
Issue: Rewards

Complaint:
XXXX 2015 I redeemed points for roughly a {$250.00} gift card via Barclay Williams Sonoma Card website. The gift card was shipped XXXX and delivery of the gift card failed to occur. XXXX declined to deliver the gift card stating that my valid Missouri Drivers license was not an acceptable form of photo ID, and that this was the policy of the shipping party, Barclay Cards or XXXX their affiliates. 
I contacted Barclay Cards about 3 times via phone regarding this issue. After being presented with standard customer service speak, I was advised on my third phone call that Barclay Cards did indeed have my returned gift card XXXX, the agent had a tracking number XXXX and was able to track the return. The agent also advised me the gift card would be returned XXXX, the Barclay Card gift card affiliate, and I would be credited my full XXXX points back, the total of the gift card. 
This has not yet happened and has been ongoing since XX/XX/XXXX 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief