BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-26
Company: Cedars Business Services, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Beginning on XX/XX/XXXX, I started receiving emails from Cedars Business Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX demanding payment on a traffic ticket I received in XXXX back in XXXX for the amount of {$380.00} ( fine plus late charge penalties, I assume ). My complaint is threefold : 1. I paid this fine on XX/XX/XXXX to the XXXX  authority and therefore Cedars Business Services has no ground to collect this fine. I have proof of the wire transfer for XXXX XXXX  and emails with the XXXX  agency showing they received the payment on XX/XX/XXXX. XXXX. On XX/XX/XXXX, I replied to Cedars Business Services from my email account requesting that they provide proof of their agency with the XXXX  authority, upon which I'd be prepared to provide my documented proof of payment.. To this day, I have not received any communication from them proving their agency with the XXXX  authority. Until I receive that I have no idea whether they are legitimate. 3. they continue to send these unwarranted threatening notices to my wife 's email account even until XX/XX/XXXX. 

From my research it appears that Cedars Business Services sends out these unwarranted debt collection notices and they should stop this practice. Just search Cedars in the CFPB database to see those complaints. I found at least four.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
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:
I retained legal services by a provider, " attorney '', who provided me with legal interpretation of a Trust Document that was not correct. They didn't read the Trust completely to answer my question about the interpretation of the Trust document. 

I filed a complaint with the credit card issuer, Capital One. They have closed the dispute on my account without waiting for a second opinion, which is being obtained by the XXXX XXXX Michigan XXXX XXXX XXXX XXXX, XXXX. 

Due to the pandemic according to the agency, it will take six weeks for them to review the case. 

OnXX/XX/XXXX, case number XXXX was closed by Capital One saying they can not continue the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: Lendmark Financial Services
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I ALREADY SUBMITTED A COMPLAINT NUMBER XXXX AND WAS TOLD IT WAS SENT TO THE COMPANY LENDMARK AND I HAVE ADDITIONAL INFORMATION AND EXPLANATION TO SUBMITT. THE PAYMNET HISTORY INDICATED A MALST PAYMENT IN XXXX.. I AM XXXX VETERAN AND HAS BEEN GOING THRU XXXX AND XXXX WAS IN XXXX 2016. WEHN MY WIFW ENT INTO MAKE PAYMENT SHE WAS TOLD THERE WERE NO MORE PAYMENT DUE BUT UET WE WOULD RECIVED LETTERS INDICATING OTHERWISE AND WE ARE FAXING XXXX LETTER WHICH INDICATES A XXXX BALANCE DUE AND ITS VERY CONFUSING. THE FINACIAL READINESS PERSON AT THE XXXX ADVISED US TO CONTACT YOU. IT APPEARS THE COMAPONY IS CHOSSING TO CHARGE OTHER THAN THE XXXX INDICATED

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I initiated a dispute on XX/XX/2022 ( claim # XXXX ) with Bank of America over the amount of {$700.00} charged on XX/XX/XXXX by XXXX XXXX XXXX. As an in-network provider contracted with our insurer XXXX, I should have only been charged {$330.00} for the XXXX XXXX provided on XX/XX/XXXX. After 3 conversations with a representative from XXXX XXXX we were unable to resolve this issue and disputing this charge while still in the 60 day window that allows for disputes seemed the only way to recover the amount I am owed. 

Below are some details of the correspondence between myself and Bank of America since the original dispute was filed : On XX/XX/2022 I faxed supporting documentation for my claim to Bank of America clearly outlining the above. 

On XX/XX/2022, I received a letter acknowledging the disputed amount and a credit was placed on my account On XX/XX/2022 I received two letters from Bank of America. One letter stated that the amount we were billed was calculated correctly without any additional explanation. It referenced case # XXXX. The second letter, which did not include a case number, stated that the merchant responded to the dispute and that we would be notified when a decision was made. 

My husband and I made several phone calls the following week in an attempt to understand the status of the claim and had the following experience. 

On XX/XX/2022 we spoke with a representative that said that the first letter referencing case # XXXX was sent by mistake and that we would receive a credit back on the account for {$360.00}. 

On XX/XX/2022 we spoke with a representative ( XXXX ) who was not helpful at all and instructed us that we had to wait until XX/XX/XXXX. I asked to speak to a supervisor and was told that no one was available, but we would receive a callback within 48 hours. 

On XX/XX/2022, after not receiving a return call from a supervisor, we spoke to XXXX who was helpful and told us to expect a credit back within 48 hours and that our claim had been escalated. 

On XX/XX/2022, we spoke to XXXX who explained to me that the 48 hours I was told about the credit was really only for the escalation to be assigned to someone to review. 

On XX/XX/2022 we received a letter dated XX/XX/2022 that stated our Claim ( # XXXX ) was being researched. 

We are now 90 days from our initial dispute. We do not have any credit to our account, any reasonable explanation as to why the charge is being allowed, or any explanation as to why there are multiple case numbers. As a long time Bank of America customer, this entire experience has been disappointing.

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 2022-08-28
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
By the fair credit reporting, XXXX XXXX XXXX, with the original creditor being XXXX XXXX incorporation, and XXXX  have violated my rights. Both of these accounts are not my accounts. 

15 USC 1681 section 602 states I have the right to privacy and the right to fair and accurate credit reporting. 
15 USC 1681 section 604 A Section 2 : also states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a credit card account number under an open-end consumer credit plan as a late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-13
Company: TD BANK US HOLDING COMPANY
State: MO
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Received a letter in the mail from XXXX, XXXX XXXX XXXX offering a 65 % {$7400.00} settlement for a XXXX XXXX XXXXrom XXXX. On XXXX/XXXX/XXXX, I and my XXXX XXXX called and spoke with XXXX XXXX of XXXX and offered a settlement amount of {$2200.00} and she stated she would have to contact TD auto finance to get approval for that offer. My XXXX XXXX and I attempted to call TD auto finance directly to negotiate settlement with them ; spoke with XXXX XXXX and she stated that she could not negotiate settlements because the debt was under contract with XXXX and no one could speak with us concerning the account. By XXXX there was no follow up called to myself or my financial XXXX. XXXX was called on XXXX by my XXXX XXXX to follow up on the initial request and there has been no response from TD Auto Finance. My XXXX XXXX then proceeded to request for a XXXX cancellation of debt and she spoke with a supervisor, XXXX XXXX, and XXXX stated that she would let TD Auto Finance know of the request for the XXXX C and also try to follow up with a response for the initial settlement offer. XXXX was informed that I could pay the settlement offer of {$2200.00} immediately but has not received permission from TD Auto Finance to accept the payment. I called today on XXXX to follow up and stilXXXX XXXX has not heard back from TD Auto Finance. XXXX XXXXlso could not submit proof or documentation that a Right to Cure letter was sent to me, I did not know that I was able to negotiate any settlement before the XXXX was XXXX. I or my XXXX XXXX have contacted the collection agency XXXX on 3 different occasions to settle the debt but have been unsuccessful due to no response from TD Auto Finance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the fair credit reporting Act XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy. 

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USCC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: EQUIFAX, INC.
State: SC
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:
Back in XX/XX/2017 I filed an police report with an company that committed fraud. I was supposed to do a vehicle refinance. The dealer cashed the check and was suppose to pay off XXXX XXXX and XXXX XXXX. Dealership never paid XXXX XXXX or XXXX XXXX left me with two loans. I filed police report and customer compliant at XXXX XXXX. I'm still awaiting court date but XXXX XXXX closed out account on credit report. XXXX XXXX is still reporting account is open and high balance. I been trying to dispute with credit bureaus and had no luck at all and this is messing up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Here is what I'm mailing Best Buy Credit by Citibank : XX/XX/XXXX Best Buy Credit Services XXXX XXXX XXXX XXXX XXXX MO XXXX Re : Account Ending XXXX XXXX To whom it may concern : I recently discovered, much to my horror, that Best Buy Credit/ Citibank have been charging me roughly 1 % per month for a Debt Protection service I dont recall being offered or consenting to. I demand a full refund for those fees immediately. As of the statement dated XX/XX/XXXX, we have paid {$260.00} in fees that were never authorized by us. 
On XX/XX/XXXX, my family made a large purchase at Best Buy in XXXX XXXX, California and were delighted with the offer of 24 months interest free. We immediately set up an auto-payment in order to pay off the balance within those twenty-four months directly from our checking account. Because it was set up on auto-payment, I would occasionally log in to your credit card servicing website to verify everything looked OK on the dashboard summary. Ive attached a copy of what I typically see for reference. It illustrates there being no additional fees. 

It was only upon further inspection this week that I discovered that your firm hasnt been forthright or truthful about the fees you have been charging me. It was only after I went into the full statement where it was listed. 

This dishonest behavior by your organization further the awful reputation of the Financial Services industry in America. Its clear your desire is to hide fees and fleece our community. My heart aches for less savvy or resourced Americans who go years paying for things they never opted into. 

I expect a response and a refund of the associated fees as soon as possible. 

Sincerely, XXXX XXXX XXXX Cell : XXXX CC : XXXX XXXX XXXX   CC : Consumer Finance Protection Agency

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 2016-09-17
Company: Turning Point Solutions LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The debt was settled some time ago with the original company. They wrote off the debt and submitted a tax paper for funds that I now owed taxes on. I do n't have that information anymore. The tax papers have since been destroyed as the tax papers were over 7 years old. The business is closed. The debt was bought by another firm claiming to be Advanced Credit Solutions. In order to get them off the phone and they did not give me time to find any information stating the debt was settled ... I gave them an amount I would settle for and they sent me a paper for me to sign that stated I owed the debt and it was settled for an amount. I never signed the paper nor returned the information. I called them back on the number they gave me and it was a false number and part of a scam number. I reported them to my bank to stop payment immediately. They could not give me a true number. I refuse to pay for something I had in the past taken care of. They are playing on old debts that people ca n't remember. My bank investigated and they cleared me of the fee I had begun to pay. I am not paying people who lie and give me spam numbers as call back numbers. At the moment I am not sure what the number was but it was in my report to XXXX XXXX dispute department. 

They lie and prey on old debts that no one can prove if they took care of the debt. They have many alerts and information on scams and I know they recorded my call so they should have that as proof I was denying the debt in the beginning and their strong arm techniques to get money from me. Even documents they sent me had different numbers on them from the numbers they gave me to call them. 

I think if you research the debts they are trying to collect on, they are debts from companies that no longer exist. 

Thanks for listening.

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 2020-09-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit 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:
When I called on the back of my Macys credit card XXXX it states that I have a special event account which is false. 
In XXXX I purchased a ring for XXXX XXXX XXXX birthday my boyfriend and there was a 12 month special interest on then. Which meant that I paid it off in 12 months no interest would be charged. 
The total amount was billed on my Macys store account and when I called the above number I was told that the amount for the ring was on a special event account also.I went in person and spoke to Macys Assistant Manager in the Jewelry department at XXXX XXXX who called also and confirmed that the 12 month special event only meant that if payment was made with 12 months no interest would be charged. 
I have a witness XXXX XXXX who was with me. 
On XX/XX/XXXX when I called to check on my statement balance, I was informed that a payment for XXXX was made to a Macys special event account which has a balance of XXXX. 
On my ebill payment which was supposed to made to my Macys store account via my checking account was not made even though it had the correct Macys store account Instead this special event account which is false stated that a payment was received on XX/XX/XXXX. 
Please help me. This is wrong. 
Thank you for your time and consideration.

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 2020-09-26
Company: Monterey Financial Services LLC
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
this was a online loan with XXXX 's XXXX  and they finance through montery finance ... i made an agreement for a total purchase of {$770.00}. The n let see the finance agreement and they said i would pay back {$1700.00} dollars ..Im like that's a scam ... 
So I canceled the contract ... now they are still trying to draft money out of my account which I called my bank and they stopped payment to montery finance ... I was this problem solved as soon as possible!! Thanks XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-26
Company: SYNCHRONY FINANCIAL
State: KS
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:
paypal issued two credits to my paypal credit account. 

one credit for {$47.00} on XXXX XXXX, 2020. PayPal Trans. id XXXX one credit for {$48.00} On XXXX, 2020. PayPal Trans. ID XXXX These credits were for recovery of bogus charges made against my PayPal account. 

I spoke with XXXX at XXXX a week ago and was told that these credits would be honored. 

THE CREDITS ARE NOT SHOWING ON MY LATEST STATEMENT FROM PAYPAL CREDIT

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 2022-08-28
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
n accordance with the Fair Credit Reporting act XXXX XXXXXXXX # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-28
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX  ACCT # XXXX, has violated my rights. 

in accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX ( XXXX ) XXXX ending acct # # # # # # # # # # # # # # XXXX, has violated my rights. amount : {$1100.00} Original creditor XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-07-14
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
They would remove the inquiries then they would put them back on, I do n't know why they would do that, only XXXX and Equifax are the ones that keep doing it. I have some letters from some of the creditors letting me know that they have requested that the inquiry be removed. I let them know that I did not apply for credit for any vehicle at any XXXX XXXX they ran my credit 17 times in one day, at one time I had worked to hard to build my credit no way would I consent to this. They are all on XXXX XXXX, 2014 with one on XXXX XXXX, 2014 I have asked them to remove them I have written all the creditors as well as the credit bureaus and still they do the same thing please help me I am at a lost here. If the other creditors know this was not me then they should to I have written all of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: Graystone Funding Company, LLC
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I was in a loan program that had an interest rate of 5.375 %. On XXXX XXXX, XXXX, XXXX XXXX ( a mortgage originator for XXXX XXXX ) told us that he can switch our loan program to a different program with 4.875 % interest rate. I did n't like the sound of 4.875 %, but I was willing to go for it because I was convinced that he would work hard to get me the best rate. I gave XXXX all of the necessary documents to switch to the loan program of the 4.875 % interest rate and it seemed like he 'll handle the job well. Then, suddenly, on XXXX XXXX, 2017, XXXX had to get XXXX XXXX the next day so XXXX XXXX ( a loan originator for XXXX XXXX ) took over to close the deal. At that time on XX/XX/XXXX, there were only 2 days left for closing. On XX/XX/XXXX, XXXX contacted me that the rate was locked at 5.375 % and the closing date has to be extended to XX/XX/XXXX for the second time. I do n't know why the closing date has to be extended again to XX/XX/XXXX. Between the timeline of XX/XX/XXXX and XX/XX/XXXX, everything seemed fine with the loan process. I was approved for the loan, gave them necessary items that they asked me, and came up with 30 % down payment. I pretty much did whatever I could on my part. What happened between XX/XX/XXXX and XX/XX/XXXX on XXXX XXXX 's part of the loan progress? Why did I get notified of the increased interest rate at the last minute?!?!

Company response to consumer: Closed with explanation