BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I submitted a dispute letter to XXXX, Transunion, and XXXX  regarding fraudulent information on my credit report. I mailed these documents by certified mail ( Tracking ID : XXXX ) and it shows XXXX  received my letter on XX/XX/2021 at XXXX XXXX. XXXX  received my letter on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) and Transunion received it on XX/XX/2021 at XXXX XXXX  ( Tracking ID : XXXX ) It has been almost 60 days, and these fraudulent items remain on my report. I have experienced much mental distress as a result of their continuous false reporting on my profile. I have been denied employment, housing, auto, and several other opportunities as a result of their neglect in conducting a proper investigation into my dispute.

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 2017-05-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Incorrect exchange rate

Complaint:
We refer to the case you have closed without anything is solved. Merrill / Bank of America did not address the real problem. Today I sent them an e-mail regarding this : Subject : Re : consumer financial protection case no XXXXXXXX XXXX From : XXXX XXXX To : ML Edge Self-Directed We do not agree with your letter ofXX/XX/XXXXin which you say, that you acted appropriate. How can it be that on XX/XX/XXXX XXXX XXXX from ML told us, that the wire room was researched extensively and on XX/XX/XXXXyou sent back the money. Does one not know what the other is doing in your banking system?? Maybe your work ethic needs to be researched. To go further with our claim we need as soon as possible from you : 1 ) the copy of the incoming wire of XX/XX/XXXX with all details 2 ) the copy of the outgoing wire which you sent back onXX/XX/XXXX With your e-mail of XX/XX/XXXX you told us, that the exchange rate on XX/XX/XXXX was XXXX - which was a determined false information from your side. You also said in this e-mail that you sent the money back on XX/XX/XXXX. In your letter of XX/XX/XXXX you said it wasXX/XX/XXXX. We need all the information in original about the exchange rates when you got the money in first place, when you sent it back and when you got it again.
Please send all this proofs within 1 week from today. Sincerely XX/XX/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 monetary relief
Consumer complaint received 2016-05-13
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
i constantly asked diversified consultants to stop the reporting of the inaccurate information stating that i owe a balance, I am a victim of identity theft and they seem to not taking the proper procedures, but still reporting negative to all XXXX credit bureaus, i asked them in a certified letter for validation of the debt, but they continue to still is engaging in deceptive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: Trojan Professional Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Dentist called XXXX XXXX XXXX XXXX in XXXX XXXX California hired Trojan Professional Services. Trojan was advised that we do not owe {$230.00} in writing but continues to attempt collection of money that is not owed. Dental bill was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Continuously called, when answered they hung up. I called back to discuss the issue and when I advised that we would be taking care of the debt soon and mentioned the possibility of bankruptcy they representative hung up. The call was not clear, their systems sounded as if I was speaking to a robot the whole time. If they truly want to collect funds they should communicate with clearer phone lines and not hang up on someone that was willing to actually answer their call and even call them back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please forward all information pertaining to the opening of this account. It is not known to me and was opened without my authorization. I have on going issues with identity theft and require all for the ongoing investigation in progress.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I purchased a XXXX on XXXX XXXX, 2015. After signing all the papers, arriving at a monthly fee of {$360.00} for 5 years, I was called back because I was told that there had been a computer " glitch '' that day and they needed to " recalculate '' my numbers. I trusted them and signed new papers which now have me paying {$380.00} monthly. 
I am a XXXX yr old woman and in retrospect realize that this was seen as an opportunity to take advantage of a senior citizen. 
There is also a discrepancy between what I was originally told the total cost of the car would be at {$28000.00}. With the new calculations the total cost of the car is {$33000.00}. There is a notation on the original paper that the total cost of the car is {$30000.00}. I put down {$5000.00} in cash and {$5000.00} for my XXXX trade-in. 
I have XXXX account numbers with XXXX XXXX, XXXX being based on the first bill for the originally agreed monthly payment of {$360.00}. ( Which I have attached with this letter ) .The second being for the new montly fee of {$380.00}. 
I am ashamed that I did not take my son with me to negotiate the buying of a car. I did take a friend. When she thought the deal was done she walked away. I was embarrassed to call her back for either of the signings. I still have not told my son. 
I am so ashamed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received information about a debt owed from collection company that was purchased from original creditor, 2 years after debt was aged.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11
Company: CNG FINANCIAL CORPORATION
State: OK
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
After multiple threatening phone calls to my wife, threatening to have me arrested, she told them to send the cops. They then sent a letter stating they were suing me, threatening to get a garnishment and a lien. I contacted my attorney who advised me this is a scam and to notify you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/2017, I went to Ashley Furniture in need of a new sofa. I was interested in purchasing the sofa using the 18 month same as cash line of credit that Ashley furniture offered through Synchrony bank. I applied for credit in the store via the credit application kiosk and was instantly approved for {$2500.00} line of credit. My sales representative XXXX let me know that in addition to whatever I was approved Ashley would authorize a 10 % increase which was {$250.00}. I purchased the furniture, arranged for delivery and enjoying the new sofa currently. 
On today XX/XX/2017, I registered my Ashley Furniture card that I received in the mail and did a check on my account details online. I noticed that my balance was {$2700.00} which was expected. It also showed that my credit limit was {$2500.00} and {$250.00} over the limit. I am absolutely disturbed seeing this. Going over the credit limit on a credit card is detrimental to the credit score and history. I immediately called Synchrony and they stated that I am over the limit by {$250.00}. There is nothing that they can do except request an increase for {$250.00} or me pay the {$250.00} to reduce the balance. I called Ashley Furniture and they said there was nothing that they can do as I have received my furniture. My credit report and score means my lively hood. I make sure that I make payments on time and cause nothing to negatively affect my credit. I agreed to the sale however, I did not give any authorization for the store to charge my line of credit over the limit. I signed for the total sale amount. They used this as a predatory sales tactic to get consumers to buy. I was told that they would increase my credit limit by 10 % as almost like in-house financing. I was not told that it would be reported as over the limit to the credit bureau. 
This is predatory lending to get sales and I would have never authorized someone to charge more than what my limit allowed. Please Help!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: Experian Information Solutions Inc.
State: FL
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:
Dear XXXX XXXX XXXX XXXX, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX 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 non-monetary relief
Consumer complaint received 2022-11-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is regarding CFPB complaints # XXXX, XXXX, XXXX, XXXX, and XXXX. 

XXXX XXXX  sent the wire correctly following XXXX 's instructions. 
See the attached documents. 
The error is on Wells Fargo 's receiving end. 
Just keep your word and promptly refund me the overpayment. 

Attached are the proofs. 
XXXX XXXX  letter proves that identifying information on the wire to apply the payoff balance on XX/XX/22. 
The error was on the Wells FargoXXXX XXXX receiving end . 
While waiting for resolution, I paid {$2000.00} on XX/XX/22, {$1600.00} + {$1600.00} + {$61000.00} on XX/XX/22, which is more than {$66000.00} I owed per XXXX. 

Honor the XX/XX/22 payoff balance as promised and promptly refund me the overpaid amount.

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 2017-01-03
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Took out XXXX visa card for airline points on trips to XXXX XXXX issued by US Bank and points were from XXXX but they have since merged with XXXX XXXX .Folks I talked to with the bank never heard of XXXX XXXX I had been saving my points for the last 3 years and had accumulated over XXXX with the requirement ( from their website ) of only XXXX for XXXX ticket. I then tried to get into their website furnishing my info of passport and personal info to no avail then was given a surefire password that still did not let me into the website as usual, this is the most mismanaged company I have ever seen. We can do some of these things for you but you must pay a fee. Could never talk to anyone who could schedule my trip or get me onto the website where I could schedule it. When I asked who gave the 25 % discount given on first trip useage, no one seemed to know and it is plainly stated in the bank 's advertising. 
What I want is a plane ticket from XXXX ( round trip ) to XXXX XXXX based on the kilometers I had prior to XXXX XXXX, 2017 as I had earned it under the US Bank XXXX visa card. I will not do business with this bank again!!!!! My Bank account # is listed as XXXX XXXX XXXX and XXXX XXXX XXXX with a XXXX number of 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 2016-01-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have been making payments for over XXXX years to Capital One ( previously XXXX XXXX ). When Capital One took over XXXX XXXX, Capital One would charge me $ XXXX yearly in fees, which I did not have to pay originally with XXXX XXXX. 
In addition, every month for the past XXXX years, I have paid their interests fees, 3.25 % and some Principal, but my loan has never reduced to a logical financial satisfaction. In fact, my loan has increased. 
On XXXX XXXX, XXXX, I submitted a package to reduce my interest rate and therefore to reduce my Principal balance, due to a hardship ; and have spoken to and received letters from approximately seven different people. 
Lately dealing with XXXX XXXX, Loss Mitigation Specialist ; but she has misplaced some documents which I submitted. Unfortunately, I have misplaced my copies and requested a copy from them, but it was denied. All documents that I submitted were via Post Office, I do have a {$10.00} returned receipt. However, in her letter she does admit there were XXXX pages. XXXX XXXX, also requested additional documents that stated " no later than Friday '', XXXX XXXX, XXXX. The letter states that if Capital One does not receive the documents by that date, it will be denied and I would have to start another application package. 
Therefore, I am submitting documents and basically a new package again by Friday afternoon, XXXX XXXX. 
P.S. Not once in XXXX years have I been late in any payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-16
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened XXXX new accounts. A checking and savings account. I attempted to make a purchase but canceled transaction, merchant cancelled transaction. Following day I saw the transaction still posted, I reached out to merchant and they said they cant see the transaction gone through and I would have to contact financial institution. I filed a claim, later there was fraudulent activity I noticed I immediately reported this to the bank customer service department. They closed all accounts and opened me new accounts. Said when the funds were credited to compromised account they would transfer them to the account they opened. Once funds were deposited they would not transfer funds they closed the newly created accounts by them while I was at the branch. I spoke to them several as did the branch, they then told me yeah that money tht was credited belongs to citi so we blocked the accounts so you cant gain access to the funds. I have spoken to them numerous times and have been discriminated against my rights have been violated and my funds have been held XXXX. I will be looking into legal representation as some of the employees have stated that I need to sue because they are breaking the law I also have recordings of them yelling and laughing at me when Im on the phone with them. I have recordings of reps also stating that the account can be unblocked so that the funds are accessible. Still the bank has failed to provide the appropriate actions in regards to this serious issue

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 2016-06-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Issue that occurred was on Friday afternoon, XXXX XXXX, Capital One bank contacted me, and informed me they accidentally drilled into my safety deposit box, ; they said i needed to go down there and pick up my items. The bank is located at XXXX XXXX XXXX, XXXX, Texas XXXX. The Manager who called me is XXXX XXXX However, upon arriving at the bank, the bank refused to release or even let me see the contents of my safety deposit box, unless i signed a form, waiving all liability to the bank, and confirming that all items were intact despite not having been able to see them. I was offered a chance to review an inventory that was hand written, illegible, and disorganized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: Innovative Credit Solutions
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The debt collector is refusing to answer the following questions and refusing to remove the account from my credit reports. 
1. Who was the original creditor on this account, and what was the account number? 
2. What was the original amount owed? Please provide a complete payment history, starting with the original creditor. 
3. Please provide me documentation that indicates that I agreed to pay someone this sum of money. 
4. What was the original date of delinquency for this account? 
5. Agreement that grants you the authority to collect on this alleged debt, or proof of acquisition by assignment. 
6. What did you pay for this account, and how did you calculate the current amount owed?

Company response to consumer: Closed
Consumer complaint received 2022-11-16
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Not all of my Home Owners Assistance Fund ( Haf ) payments are being applied as monthly payments. I was awarded XXXX mortgage payments via the HAF program. Im being told by PennyMac that the STATE of Florida only has told them that they must apply mortgage assistance funds sent on my behalf as principal only payments If I'm a month ahead on payments. Yet when I contact HAF Im being told by the reps and supervisors that they have not provided this instruction to PennyMac. PennyMac has been able to provide me documentation on this rule and continue to refer me back to HAF who again state this is not a rule that HAF has given PennyMac. If this information is indeed correct please provide me documentation or update my account to note all HAF payments can applied as needed ( escrow or monthly payments. ) See Mortgage Assistance Program, section 10 of the Florida HAF document attached

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
My Synchrony card has XXXX options XXXX ) XXXX pricing XXXX ) Regular non-promo charges. A merchant made a charge on the card as a " regular '' charge vs a promo and I have been trying to pay off this balance for several months so to not incur more interest charges/fee. I have called the company multiple times since XX/XX/XXXX and requested many times for them to tell me what the NON-PROMO balance is so that I can pay it off. I have been told that I need to " figure it out myself '' by looking at my statements. I finally confirmed with them on XX/XX/XXXX with XXXX XXXX # XXXX what the balance was and I made an ADDITIONAL payment over the phone to pay this off. She ASSURED me that this would payoff my interest accruing balance. When I go on to their website, it shows that they have applied the amount as my regular payment which will be applied to the PROMO balances first and then ONLY whatever is >the min payment will go to the NON-Promo INTEREST accruing balance. I have sent there another message today, but they do not respond in a timely manner ever.

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 2016-05-03
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My monthly, 30 year fixed mortgage payment has gone up from {$860.00} to {$970.00} due to an increased amount going to escrow. A small part of that change has to do with an increase in insurance cost ( which is fine ) but the majority has to do with an increase in taxes. While taxes increases can happen, the amount of the increase is primarily due to Imortgage ( website : http : //www.imortgage.com/ ) using the valuation that was given to them from the leasing company and not the most recent appraisal value when giving me an estimated payment amount. In short, they used the valuation from when the previous owner bought the property to estimate my taxes, and since prices went up considerably in that time ( the previous owner bought the house at the bottom of the market in 2009 ). their estimation of my monthly payment is now drastically off. If they had given to me a more accurate estimate of payments based on the actual appraisal, I would never had bought the house ( it is an investment property ) because the costs would not justify the income. I believe what they did was intentionally deceptive in order to push the loan through. I can provide all details and documentation if requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation