BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-12
Company: Dynamic Recovery Solutions, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Dynamic Recover Solutions is frequently calling my phone from different phone numbers, they do not disclose they are a debt collector. They ask for me by name, then ask my address, my date of birth. They reply with there name when I ask where they are calling from. I have sent a written dispute notifying them the debt they are attempting to collect has been paid off to another debt collector last year and my credit report is currently reporting that information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
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:
It's a Capital One XXXX XXXX I was making a payment for {$300.00} on their app XX/XX/2023, and I changed my mind about the amount so I cancelled it, the app acknowledged the cancellation, so I thought I was fine. Then I went back on and made the minimum payment instead minutes later. My bank can confirm this. Later I went onto my bank account and noticed it had gone through for the {$300.00} payment in addition to the other payment. I called Capital One immediately, they said they had no record of the cancelled transaction. I asked them why I would make a {$300.00} payment and then a minimum payment? They had no answer. They then said in order to refund my money they'd have to send a check but it would take weeks. I do not believe this is a glitch in the app. I believe it's intentional. I believe it's a way to keep the extra money because people can easily make typos on an app. In this instance, that's not the case. There was no typo, I cancelled it. I should have taken a screen shot of the cancellation message. On the app it's called " XXXX '' and I believe this is a way to scam people out of unintended payments because they'll just not escalate the situation to wait weeks for a check to come. My bank is going to refund the money for an unauthorized transaction, but I felt this should be reported as it's definitely a scam by Capital One. This app, I believe was set up to not cancel a transaction as it says it will. It asks to confirm or cancel or something to that effect and I clearly hit the cancel button, it said it was cancelling the payment, but did not. It wouldn't surprise me at all if this has happened to many others the same way. I've included a screenshot of the two transactions without revealing bank information, and redacted my name and numbers of certain information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: Consumer Portfolio Services, Inc.
State: OH
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My vehicle is currently past due and approaching repossesion status.  XXXX has started going through my XXXX account to call XXXX friends asking my telephone number and or location.  They have caused many problems with families whom I do not have a personal relationship with.. I am getting all kinds of XXXX friends contacting me in anger about these calls to their homes.  I have asked them to discontinue contacting my XXXX list of friends, some of which I have no active communication with with exception to reading timeline posts.  They continue to do this.  They also call my emloyer at least 10-15 times a day.  I can not receive personal phone calls at work.  I have relayed that information to them as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: Rocket Mortgage, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
One and a half years ago, I refinanced my primary residence with Quicken Loans, Inc. Since that time, I have heard a number of advertisements on the radio that Quicken " will refinance and eliminate PMI at little or no cost ''. In addition, I have also received a letter from Quicken 's President, XXXX XXXX advising that " when I closed my loan with Quicken ( 1 and 1/2 years ago ), I became eligible for a RATE DROP ADVANTAGE program at today 's low rates ''. 
However, since I began the refinance process two months ago, the various personnel at Quicken have been evasive and unresponsive : 1- I have already dealt with XXXX different representatives by supplying requested numerous documents and service requests costing over {$1300.00} so far ; 2- they refuse to discuss the letter granting a rate reduction ( maybe that will happen in another 2 years so that I will have to refinance again ) ; everytime I provide a document that has cost me, they come up with another that is " required '' ; and, we never get to the end of the process -- meanwhile, along with the monthly mortgage payment, I am still paying the PMI ; 3- their representative, XXXX XXXX, recommended a VA loan as the " way to go '' -- is this any way to treat a veteran?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Synchrony bank charged my account with authorization Notice of billing error ( 12 CFR 1026.13 ), will be filing a police report as this is theft this isn't the first time they tried this. Will be contacting the IRS and the IRS Criminal division in regards to the interest and taxes concerning this fraud. This account was disputed and Synchrony dishonored the request for validation of debt. According to HJR 192-1933 banks have been bankrupt and can't truly lend or extend credit so please as i stated before please validate the alleged debt. Also you have been sending letters after you were commanded to cease and deists and failed to report that to the credit reporting agency 's. Violations 15 USC 1681 ( A ) ( 2 ) ( B ), 15 USC 1692J, 15 USC 1602 ( P ), 15 USC 1692B ( 4 ), 15 USC 1692E ( 10 ) and 15 USC 1602 ( K ) If you need help with the codes CFPB has a library that's free to use and theirs also XXXX. " I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( Mo ) XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. ''

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 2016-02-23
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
i received a ticket last year right before my husband returned from XXXX. I forgot about the ticket and i found it and wanted to pay. went online to retrieve information from the XXXX XXXX Superior Court and was referred to contact Alliance One. I called them and the representative attempted to verify my account by my social, which i told him he did not need for a traffic ticket. He then attempted to verify my address with what they had and they had the number off and the zip code. I have never received anything from this company about my debt. The representative XXXX XXXX then said his office only takes a full balance payment after he told me the payment was for XXXX. He said that included a {$300.00} assessment fee. So if i am correct that means my ticket was {$380.00} and the fee is almost a XXXX % penalty fine? He then told me, " well you got the ticket 11 months ago ''. Once again I reminded him that I never received a notice of debt from XXXX XXXX, the fee was n't on the ticket, and they had never sent me anything. To which he said " by signing you acknowledge the fee ''. I also explained how i was calling in good faith to fix my fine, but he told me i could contact the court and they would tell me I had to contact them,. Basically I had no resource then to pay the fee. Please let me know what other resources i have. i do n't have a problem paying the fine and a fee, but a assessment fee of almost XXXX % seems to me to excessive and I 'm wondering if illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19
Company: ORG GC GP Buyer, LLC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The collectors are calling a number that I no longer use! It is my parents phone number and I do not live there anymore nor do I use that phone number! I have my own personal phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
XXXX XXXX XXXX has been posting inaccurate information on my account for 6 years in order to extort money from me. They are using unauthorized information to damage my credit report and the credit bureaus aren't doing anything to fix it. Transunion will not remove it even though the account is fraudulent.

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 2022-01-03
Company: EQUIFAX, 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: Credit inquiries on your report that you don't recognize

Complaint:
I, XXXX, the natural person has in fact been a victim of fraud, copyright infringement, as well as the fraudulently obtaining of my information, in order to " furnish '' a consumer report For me? XXXX, Equifax, And XXXX have allowed my consumer information to be sold and reported and fraudulently. At this time I HAVE NOT AUTHORIZED OR GIVEN WRITTEN CONSENT pursuant to he following companies, and to furnish anything on my consumer report. It is my constitutional right to be secure n my papers as well as privacy. THE US DEPARTMENT OF EDUCATION 'S XXXX, AND XXXX XXXX XXXX, XXXX XXXX XXXX, have in fact fraudulently placing collections '' on my consumer report. Pursuant to 15 USC CODE 1681 B this is illegal to furnish a consumer report without the consent of myself, 15 US Code 1692J - Furnishing deceptive forms in harassment, trying to coerce me into a " debt. I never and will never have. Also 15 US Code 1692B, a violation in stating I owe XXXX, in addition, to 15 US Code 1692 D, in advertising my information and coercing lies. I am enforcing my consumer rights, and constitutional rights. I demand for these account to be removed and deleted immediately. Given They have no standing or proven written consent in the authorization of furnishing anything on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Bridgecrest Acceptance Corporation
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Bridgecrest calls me up to 10 times a day and has now started calling my work after I asked them not to. I recently got behind on my car payments and contacted the company to make payment arrangements. I was told that it was pay or else. I have also been told that they will move one of the payments to the end of my loan and they do n't ever do it. They send emails saying they will work with me if I call them but, when I call them they tell me there is nothing they can do. 
Below is the email that I sent to them on XXXX/XXXX/2016 DO NOT EVER CALL ME AT WORK. You tell me you will work with me on payments and that is a lie, all you do is tell me that I need to schedule a payment and I ca n't do that unless there is money in my bank account. You have told me that you will move one of my payments to the end of the term and that is a lie as well. I was also making extra payments that were suppose to catch me up, and found out later that you decided to just apply that to my interest ( I 'm assuming so you could keep me behind ). I have stayed in contact with you guys when this first got behind and tried to resolve it then, and was told there was nothing you can do other than schedule a payment to come out of my account. I have had XXXX cars with your company and have n't ever been behind until last year when I lost my job and yet again all I was told was sorry, there is nothing we can do. I spoke very highly of your company until I tried to resolve this issue and was given a pay or else option. 

I will hopefully make another payment by the end of the week.

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 2017-03-16
Company: RoundPoint Mortgage Servicing LLC
State: VA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.

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 2016-04-14
Company: RAB, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
The regional Adjustment bureau continue stop calling me incessantly. The called 50 times in 10 minutes even after speaking to them. They are accussing me and my father of owing somethin we do n't owe. They are verbally abusing and harassing me, my family, and people in my office. They were extremely aggressive and extremely rude. 

XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-07-12
Company: PNC Bank N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a PNC Visa Credit Card that was cancelled because of inactivity. I lived outside of the United States and upon returning I wanted to use my card and was informed that since I had a XXXX balance on the card and had not used it since XX/XX/XXXX that they decided to cancel it. I had acquired many rewards points on the card and wanted to use them but lost them because of this. I called XX/XX/XXXX and was told that they decided to cancel it due to inactivity for a year and there was no need to inform me since there was a XXXX balance. Had I not paid my bills on time, they would have left my account open.

Company response to consumer: Closed
Consumer complaint received 2020-06-11
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX  XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Navient Solutions, LLC.
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I attended XXXX in XXXX, GA from XX/XX/XXXX until XX/XX/XXXX and the school I attended closed down.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
On XXXX XXXX, XXXX I purchased a blue XXXX XXXX  ( XXXX  XXXX ) for my daughter 's XXXX present. When doing so I opted to sign up for the apple card. Everything was great. 

On the day of delivery I get a notice saying the driver attempted to deliver the product but no one was home. I was home and have ring video surveillance on my home and can prove no car ever approached my home or address this day. So the product was returned to the store. I then called XXXX  to see if I could go into the store and pick up my product. They told me that I couldn't and would have to follow the instructions provided to me which were to wait and the money would be refunded in N days. 

I believe XXXX never had the XXXX in store or if they did it was sold to an in store customer. They should have better control of their inventory especially since this was the carrot used to open this Apple Card account. 

Either way I was going to get a refund so I didn't care. Then the other day I get an invoice for my Apple Card saying I had about a {$27.00} balance. So today Monday XX/XX/XXXX - I called Apple Card up and found out that XXXX did credit the money back to an account but it was my XXXX XXXX account and not my Apple Card account ( the one I used for this transaction ) I was never provided a choice of how I wanted these funds back and by providing them on a different card they left me open to incur purchase charges. There is also an additional {$4.00} charge on my account they are unable to tell me where the charge came from.ff

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-16
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I strongly believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online freelance work/business intermittently since XX/XX/2010. My paypal account : XXXX has stucked funds in it that I have to withdraw as soon as possible for emergency purposes. And I am hoping that I will get my account back and be able to withdraw my funds. Thank you and God bless you. 

For identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-11
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I was going over my credit file and I seen some addresses that are not accurate. My current and only address is XXXX XXXX XXXX XXXX XXXX, OH XXXX. I do not live at the following addresses : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX   XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX # XXXX XXXX, OH XXXX I also have an issue with a unverified account from a company that I do not recognize XXXX XXXX XXXX # XXXX I have never done any business with this company. XXXX XXXX XXXX needs to delete this account from my credit report and stop all contact with me. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. 
me.Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805.

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 2016-05-24
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received a fraudulent check, one of those scam checks, for my car over 7 years ago. Once that check did n't clear and was returned, I thought the money was taken out of my account. I submitted a police report of the fraud and have not received a letter explaining the debt owed since it first occurred. Now, I am trying to open a business account at same bank and they are saying I owe the money from that transaction, without providing me with any letters that were n't sent to me or evidence of the transaction. I keep getting transferred to different departments with no one being able to give me an explanation beyond, " you owe that debt ''. I believed this debt was taken care of 7 years ago but now it 's come back to haunt me. What can I do in this situation? Is n't there a statue of limitations? I know for a fact the bank did not keep this relatively small debt on their books all these years, so why do I have to pay it when I do n't even think it 's valid?

Company response to consumer: Closed with explanation