BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-10
Company: BARCLAYS BANK DELAWARE
State: NH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
On XX/XX/2016 I noticed a charge on an XXXX credit card, that my wife has and is maintained by Barclaycard, This card is attached to my own card. The purchase was made from XXXX XXXX XXXX XXXX. I questioned this and she said she did not purchase anything at that company. She called the card company and the charge was removed and a new card issued. On XXXX/XXXX/2016, Barclaycard charged her NEW card 3 times for the same purchase. After several calls and investigations opened, the charges were removed but she was told that they would start an investigation and if the charge was legit, it would be reapplied to her new card. Well, it ended up that the vendor determined that the charge was legit and the item sent to a person in XXXX XXXX, VA. The charge was then reapplied to my wife ' NEW card. I told the investigator that we do no know the person mentioned in the statement that XXXX XXXX XXXX gave to XXXX. and that my wife DEFINITELY did not purchase the UNKNOWN item from XXXX XXXX and sent to XXXX XXXX, VA. 
The investigator even told me that the charge was made online, with the correct credit card number and even the ( supposedly ) correct security code. The last case Number we have from Barclaycard is : DBO XXXX. Previous case numbers are : XXXX, XXXX. I will be writing to Barclaycard again about this, but I doubt that anything will come out of it but having to pay for an item we didNOT purchase.

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 2015-09-10
Company: Selip & Stylianou, LLP
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Reporting to credit report balance was settled less than full balance. Sent me letter stating that {$590.00} was paid and I have no further obligation for this account. Account is still open on my credit report. I paid a total {$1000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been calling GreenTree/DiTech literally for years, regarding having my mortgage, which has never even been late, released from bankruptcy. My co-borrower is the bankrupt party. I was told months ago that my account was approved for release, but the then representative, XXXX XXXX # XXXX, who is now the " supervisor '' never ever returns my calls or does her job in having this account released. When I called requesting to speak to XXXX 's supervisor, I was told that I can only be transferred to XXXX working on my file or to XXXX, the inept supervisor. So I am filing this claim in the hopes that someone at DiTech will actually do their job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: CL Holdings LLC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
was sent a letter offering to take XXXX dollars a month for 12 months so i agreed to this and it took over 2 weeks to even get a letter showing i was under this program. then the day before i ws to get the letter from them they sent it to another collection cmpany to try to get full payment for it. when i called them about this i was told at first it was a mistake nd to call another number to have the pull it when i called it i had a hard time understanding the lading i was talking to so i asked to speak to a supervisier and that lady hung up on me while i was tring to explain what had happen to her and when i called back i was told to deal with the other collection comany

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-19
Company: PRESTIGE FINANCIAL SERVICES INC
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem related to refinancing

Complaint:
Purchase car XX/XX/XXXX in the middle of open XXXX XXXX. Past due on account, instead of Prestige just reporting me late, they reported my account as paid off and as a New BK, when my BK discharged on XX/XX/XXXX. I sent email to complain and XXXX emailed me back. XXXX stated I have reviewed your account history, our reporting of that history, as well as the Prestige tradelines for all 3 credit reporting agencies. I was able to see where your report shows that this account is included with your bankruptcy filed in XX/XX/XXXX. This is not information Prestige has provided to the bureaus, and I am not sure why they are reporting this information. I have sent a manual update to remove the bankruptcy information and report the correct account information, which you should see in the next few business days. XX/XX/XXXX, recvd an alert stating account has been closed and now dropped my score to XXXX, included in BK. instead of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
Theres credit cards in my name thats on my credit reports I want removed due to being open in my name, XXXX credit card, XXXX credit card, XXXX XXXX account Im being sent information about it might not reflect yet on my credit reports but Im being sent information about it please block this information, XXXX credit card, please delete this information in all three credit bureaus, my information is being used to open accounts in my name that Im unaware about, do not put any fraud alert on my credit reports I do not want that, and XXXX XXXX credit card

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 2023-03-27
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Hello My name is XXXX XXXX and US BANK closed my account with no explanation i been getting the run around regarding why the account was closed i was told wait on the letter US BANK has my money on hold so i cant withdrawal any money for bills rent nothing i received the letter on XXXX. The letter stated no reason why the account was closed it stated once all obligations has been filled in debts has been cleared or any obligation owed to us bank a cashier check will be sent out i have no obligation to us bank nor do i owe them any money i want my money released right away i have bills in rent due

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: AMERIS BANCORP
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX we purchased a condo at the following address : XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, CA XXXX Our mortgage bank is Ameris Bank When we closed on this property, our title company estimated yearly property tax as roughly {$14000.00} based on a purchase price of {>= $1,000,000} and a property tax rate of 1/25 %. Since closing, we have been paying approximately {$1200.00} each month to Ameris bank escrow in anticipation of property taxes due. 

The first half of our property tax came due on XX/XX/XXXX. On XX/XX/XXXX, we received a notice from Ameris bank that they made a property tax payment of {$27000.00} - 4 TIMES MORE THAN THE ESTIMATED TAXES. 

When we noticed this error, I called Ameris support and asked them to correct it. The Ameris representative told me that the City billed them for that amount and they paid what they were billed. The representative also told they would investigate the discrepancy and get back to me in 10 days. I have not heard from them since. 

Since that time, we spoke to the City assessors office and learned that the XXXXXXXX XXXX  XXXX never formally assessed our unit, and therefore never issued a tax bill for it. However there were two tax bills outstanding for THE ENTIRE BUILDING, one for secured taxes and another for supplemental taxes. The City never sent either of those bills to us, nor did they send those bills to Ameris. Ameris found the secured tax bill online and paid it using our escrow funds. THEY PAID THE WRONG TAX BILL AND CHARGED OUR ESCROW ACCOUNT. 

The City also told us that they had not yet received the payment from Ameris. Since Ameris was not working with us to issue the correct payment, and in order to avoid penalties and impounding of property, we worked out with the other building occupants what each of us owed, and we each paid our portion to the city via personal check. AS UNIT # 1 WE HAD TO PAY {$5700.00} IN PROPERTY TAX DIRECTLY TO THE CITY OUT OF OUR PERSONAL CHECKING. 

So at this point, Ameris has overpaid {$27000.00} in taxes to the XXXXXXXX XXXX  XXXX XXXX, and has still not credited that overpayment to our account. And, on top of that payment, we had to pay {$5700.00} out of pocket to meet the property tax deadline. 

Further, because Ameris continues to debit our escrow account with their erroneous tax payment, our credit report is now showing that we owe them {$12000.00}, and THIS HAS ADVERSELY AFFECTED OUR CREDIT SCORES We are beyond frustrated at the incompetence of Ameris Bank in handling this situation and are asking the CFPB to get involved. We have spent over 40 hours trying to fix this mess. Ameris bank has been incompetent and non-responsive this entire time, and this is now affecting our credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: SYNCHRONY FINANCIAL
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Problem when making payments

Complaint:
I have had this account since XX/XX/XXXX as I got aligners from XXXX XXXX 
I had many issues with XXXX and, as a resolution, they gave me a partial refund of {$300.00}. I have also been paying excess towards my account because the interest rate was pretty high. 

Now, I just want to apply that credit to the balance so I can have the account closed. 

Prior to XX/XX/XXXX, I cancelled my auto-payments and called in to customer service. ( which is now Synchrony Bank ) A representative told me that they can not apply the credit to my balance and I would have to let it lapse each month to have the money taken out of that credit balance. She also told me that I would still owe the whole {$350.00} amount and that " credit '' is reflected in my payoff balance. This does not make any sense at all. It clearly states what I have a balance of {$330.00} AND a credit of {$290.00}, now. 

I do not want to pay excess finance charges or even interest, which is why I've been overpaying each month. In the terms of my original contract with XXXX, it states that I can pay off early to avoid these costs.

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 2020-04-11
Company: Midwest Recovery Systems
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
My credit score dropped last night dramatically. After securing my credit report, I noticed a charge from Midwest Recovery Systems from XX/XX/XXXX. It says I opened an account and the amount is {$500.00} as of XX/XX/XXXX. I never opened any account with anyone in XXXX of last year. I never received any notice regarding this matter from this company by mail or otherwise. I contacted them to remove it as it is not my debt or it is fraud. I have yet to hear back from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Cons Managed called me at XXXX XXXX/XXXX/2015 on my private cell number looking for a XXXX XXXX . I informed the caller that I did not know a XXXX XXXX and that they were calling me at my private number and needed to stop. The caller told me thatthey could not take me off their call list and then I demanded to speak to a manager. The caller told me that his manager was standing next to him and that she did n't want to talk to me. I informed them that I would report XXXX, TX Cons Managed at : XXXX XXXX XXXX that I would report them for harrassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Devor Mortgage Investment Corp, DBA Quality Home Mortgage
State: KY
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My wife and I began the home buying process late XX/XX/XXXX. It is now mid XX/XX/XXXX and we barely just got an appraiseXXXX out to our house a month ago. ( Which was 7 months into this ). We can never get a hold of the mortgage company XXXX XXXX XXXX XXXX  in XXXX, KY XXXX she ( XXXX ) never calls us back she never has definite answers for us as to whats taking so long. We have paid all the fees. we have provided all the documents that weve been asked for and we cant get any further in the home purchasing process. We have called her 3 times a week with no returned call or answers.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Cash store calling 6 times a day on top of that cotton wood financial I guess is an affiliation calling my friends cell. Advised im a non profit payment plan. They did n't care was asked for me to have them send a letter. Family credit faxed them a letter still getting harassing calls they do n't want to release the loan to collections so they can still charge me outrageous interest rates.

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 2020-04-11
Company: EQUIFAX, INC.
State: MO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity fraud and I'm demanding that the 3 major credit reporting agencies remove the following accounts inwhich I did not authorize both individual and authorized user accounts. In the past i have requested a Method of Verification, physical documentation of the alleged accounts. I'm re requesting that same information, if not then the following accounts shall be blocked and removed immediately from my credit file. 

1 ) XXXX XXXX XXXX 2 ) XXXX XXXX  3 ) XXXX  XXXX XXXX  XXXX XXXX 4 ) XXXX XXXX XXXX  XXXX 5 ) XXXX XXXX XXXX 6 ) XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I joined Experian as a member. Experian showed my score as a FICO 8 score. I thought it was high enough to apply for financing for a mortgage. The mortgage said my score was much lower. I called Experian and they said that is because the mortgage company uses FICO 2. If I would have known THAT SCORE, I would not have been so quick to apply for a loan. This needs to be more transparent and consistent. Use one scoring model for all financing. I know have inquiries on my credit report simply because everyone is using a different model and not being upfront with what your true score is.

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 2015-05-31
Company: WELLS FARGO & COMPANY
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Wells Fargo, XXXX Iowa XXXX. 
Opened bank account. 
The clerk and did not let me read any of the documents because they were on her computer screen and are only printed after you sign. 
I did not receive adequate explanation about fees, ended up closing the account which involved standing in line again and a waste of time. 
When closing the account I asked why was n't I notified about the fee details or allowed to read the paperwork and was told that it is a nationwide bank policy.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I hold a checking account with Capital One Bank that has an associated overdraft credit account. 
Both accounts have been and are in good standing for over 20 years. 
Out of the blue, I receive a letter from Capital One stating my overdraft account has been cancelled because of a dispute I am having with one of their competitors. 
I reiterate, my Capital One checking and overdraft accounts are both current and in good standing. 
Is this not a case of collusion and antitrust? 
At the very time when one might need to be balancing funds between one bank to fight another bank, they collude and pull the financial carpet from under you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: World Acceptance Corporation
State: MO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
having trouble paying the loan.When I go to see them they is n't nice.They wo n't lower the payments.My job is slow and I do n't make that much money.I have other bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: Experian Information Solutions Inc.
State: GA
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: Was not notified of investigation status or results

Complaint:
This agency is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of 15 U.S.C 1692g ACCOUNT NUMBER : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I opened an American Express card in XXXX of this year. My XXXX payment was due on XX/XX/XXXX and I scheduled and made the payment electronically as I do with every merchant I deal with at my bank ( XXXX ). The payment was made as schedule, but Amex claims that didn't receive it on the XXXX. Because of this, they charged me a late fee of {$29.00}, interest of {$240.00} and cancelled XXXX points that I had earned with their card. I called their customer service to straighten everything out, but was refused help. I was told my the service rep and her supervisor that their system would not allow a reversal of the interest and that there was no one who could help me. They suggested I write a letter to the corporate office and refused to provide me with a path to resolution saying there was no one else I could call and no one to email. When I mentioned that misapplying this interest was paramount to theft, they became agitated and told me to write it in a letter and mail it to their corporate office. I have offered to share with them proof that the payment left my bank on XX/XX/XXXX, but they said they don't want it and there is nothing more that can be done. I feel two key issues have occurred that must be addressed. 
* Amex stole {$240.00} from me and refuse to give it back * When offered proof that the payment went out, Amex stonewalled my efforts to tget this resolved and basically told me to " get lost ''. They refused to help any further and would not give me any additional info to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Mercedes Benz Financial Services
State: NY
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I leased a vehicle from XXXX and financed it through Mercedes Benz Financial Services. The loan was fully paid off and the vehicle was given back to the XXXX dealership in XXXX XXXX, CA on XXXX XXXX. The vehicle was in pristine condition and I was well under the allotted mileage under the lease terms. Upon returning the vehicle, I was asked to pay a fee of {$640.00} as part of the lease return fee, which I made out in cash to the dealership. I moved from CA to NY last year and I made a trip specifically to remediate this process. It 's been over 10 months since I returned my car and paid all debts off in its entirety and MB contacted me on XXXX/XXXX/XXXX informing me that I still owe a debt of {$640.00} as part of the lease return fee. 

Mercedes Benz never attempted to contact me regarding this issue. They never sent me written communication regarding this issue until XXXX/XXXX/XXXX, when I received a notice in the mail. 

These are unfair practices and I 'm almost certain that the employee who took my vehicle back pocketed the money that was given to him and did n't settle my balance in full. Since it 's been almost a year, I did n't retain any copies of these records. However, the website for my account states that all debts were paid in full.

Company response to consumer: Closed with explanation