BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-03-15
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I attempted to use my card on XX/XX/XXXX. It would not work, so I called Comenity to inquire. I was told I requested the card to be closed via secure messaging center in XX/XX/XXXX. I advised the representative that I did not make such request. I was then transferred to a supervisor, who reiterated that the card was closed via request in their website secure message center in XXXX. I advised the supervisor that there was no such message in my outbox. He stated that 'sometimes they get deleted. ' I asked why I had other messages in my outbox from the same time period. He stated 'some of them get deleted. ' I asked him to confirm that the only message he was unable to locate was proof that I asked for my account to be closed, and he said that was correct. He confirmed that the company had no proof of my request the account be closed, yet it was closed anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-05
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Credit Acceptance Corporation continues to call and harass me about a debt that they have been paid off on through there insurance company plus they are reporting the loan opening dates different with 2 out of 3 of the credit reporting bureaus. Which is a violation of my credit consumer rights in which everything has to be accurate when reporting a debt. An they sent me a copy of a contract that was signed with computer generated signatures that I have never signed even my signature was a fake.

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 2022-09-16
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a person named XXXX on XX/XX/22 to make arrangements to settle mine and my husbands combined medical debt. My balance was approximately {$1800.00}. I don't remember the exact amount. We agreed on around {$1400.00}. I told her I could pay XXXX on XX/XX/22 and that I could pay the remainder {$200.00} ( and something ) on XX/XX/22. She explained that the agreement was good until XX/XX/22. I paid the {$1200.00} on XX/XX/22. When I called back on XX/XX/22 to pay the balance of the agreed upon settlement, she said that I would have to pay the full amount because I didn't pay the agreed amount in full on XX/XX/22. I argued about this since she's the one that made me an offer that would expire on XX/XX/22. Her explanation was that she was sorry but she was new and didn't know better and could not honor the agreement. My husband is XXXX and we have several medical debts that we have been trying very hard to pay off. I would have paid off several smaller debts with the {$1200.00} and just paid them monthly payments if I had known they were going to do this. Or waited until XX/XX/22 when I would have had the full agreed upon amount. I don't understand how they can do this to people.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: JPMORGAN CHASE & CO.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I tried to open an account online but couldnt so I called the bank. I was told to come to the bank to open one and set an appointment. I went there and was told that I can not open one and that I need to call the number that was given by the bank employee. He didnt give me a reason why I could not. So I called from home and was told the same thing that I am not allowed to open an account with no specified reason. Also the bank representative stated that I had an account opened back in 2016 and that it was closed. I asked why was it closed. I asked if there was money owed or something happened. They couldnt say. I was very young during that year and dont recall opening that account in 2016. So hence why I asked for reason for account closure. The representative couldnt give a reason and said it was an internal information and unable to access the internal information on the closure and hung up. That was very rude!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Aargon Agency, Inc.
State: HI
Product: Debt collection
Sub-product: Medical debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted your employer

Complaint:
Contacted AARGON AGENCY to validate debt, this debt is XXXX violation as I did not consent to my medical information or history being shared with 3rd party.

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 2015-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX XXXX, 2015, I contacted Capital One regarding my secured credit card account. At that time I spoke with a representative regarding payment arrangements due to my unemployment status. The representative stated that if I made a payment in the amount of {$15.00} it would prevent the security deposit from being applied to my account and the account closed. Furthermore, the representative stated I should make payments in the amount of {$25.00} to bring my account balance in order. On XXXX XXXX, 2015, I checked my account and noticed that my security deposit was applied to my account on XXXX XXXX, 2015. I immediately contacted Capital One and spoke with a supervisor who stated Capital One would not reopen my account and the information provided to me on XXXX XXXX, 2015, was incorrect. I found this response to be unsatisfactory as Capital One should honor the information provided to me on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL
Product: Credit card
Issue: Other fee

Complaint:
I received a statement for my credit card, which shows {$1.00} as a Fee Charged in the Account Summary box ( in the top left of the first page ). Then in the Transaction Detail box ( in the middle of the first page ), it lists the {$1.00} as " Minimum Interest Charge. '' But when I look at the Interest Charge Calculation box ( in the middle of the third page ), it does not reflect any dollar amount as a " Balance Subject to Interest Rate. '' I do n't understand why I was charged the {$1.00}, and I do not know if the provider does either seeing as their statement is so conflicting with the information. This looks to be a UDAAP violation as it is unfair to charge a fee that I can not trace its origination, as well as deceptive.

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 2022-09-17
Company: EQUIFAX, INC.
State: NJ
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 XXXXXXXX, 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 response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
- Have mailed several letters and filed complaints with XXXX regarding erroneous information on credit report. 
- Have requested to be provided with documentation mailed to me verifying debt and has not been provided ( XXXX XXXX XXXX ACCOUNT # XXXX ). 
- The information ( name ; dates ) regarding this account is repeatedly changed after each dispute in order to maintain its presence on my file.

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 2016-09-07
Company: Navient Solutions, LLC.
State: KY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was scammed by XXXX out of more than {$7000.00} dollars just for one semester. It did not improve my way of life or help with anything but increase my debt. I can not pay this back as I have no means too

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
On XX/XX/2022 I deposited my payroll paycheck into my local TD bank ATM. The ATM said in XXXX Business days funds would be available. Today XX/XX/XXXX I tried withdrawing funds only to be denied with a message that said insufficient funds. I then went into the TD bank and spoke to a XXXX and I was told there is a 6 day hold on my payroll paycheck. I work to hard for my paycheck to be held. I want to file a claim and recover my funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-05
Company: EQUIFAX, INC.
State: LA
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:
i paid XXXX XXXX XXXX XXXX XXXX $ for the collection in XXXX and they havent took it off of my credit for Equifax.i sent in the money order and spoke with XXXX from XXXX XXXX XXXX XXXX before i sent off the letter.They Removed it From XXXX but not the other bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Block, Inc.
State: CT
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX I received emails stating that someone had tried to access my square business account. On XX/XX/XXXX I took the exact steps that were outlined in the email to prevent anything further from happening. I continued to get emails on XX/XX/XXXX and it showed that someone had created a checking account with a debit card and had added this debit card to XXXX and XXXX XXXX without my permission. I called Square for assistance three times. Each time they transferred me to a department that is only open XXXX XXXX XXXX  XXXX time. I had to figure out how to close the debit and check account on my own. During the early morning of XX/XX/XXXX another debit card was created. I closed that one too. I couldn't reach someone on the phone until XXXX XX/XX/XXXX. On XX/XX/XXXX I was told by Square representatives that they would need to put a hold on the account and review it. They said that they would need to hold my money for 5-7 business days to investigate. They wouldn't give me a contact person to call as to what is being investigated and who is doing the investigation. 

On XX/XX/XXXX I received 4 more emails that my account information had been accessed by someone ( not me ). I logged into my account and noticed that another checking account and debit card had been setup. I also noticed that my account balance was {$0.00} and no funds could be transferred.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Exeter Finance Corp.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased a XXXX XXXX XXXX on XX/XX/XXXX for {$23000.00} with a substantial interest rate. Throughout the life of the loan I had extended 8 monthly payments and was never told there would be any type of a balloon payment at the end. In XXXX I was informed I would owe approximately {$9000.00} on XX/XX/XXXX, maturity date of the loan. After several conversations and requests for the payment history, which I was never provided, they said there was no option but to pay due to how interest is calculated. I understand how interest works and is calculated but never was it explained that there would be a " balloon '' payment at the end of the note. Even if I take the 8 payments that were extended, that would only total {$4700.00}. As of today, the payoff is {$8700.00} which I am told I have no choice but to pay and if not paid by XX/XX/XXXX they will report negatively to my credit. 

I do not understand how a balloon payment of such a significant amount can be legal or reasonable for someone to come up with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-20
Company: SUNTRUST BANKS, INC.
State: CA
Product: Debt collection
Sub-product: Mortgage debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
On XX/XX/XXXX, 2017 I provided notice of my brother 's XXXX to SunTrust Mortgage. At SunTrust 's request I faxed a copy of his XXXX certificate as proof of XXXX. I informed SunTrust my brother had no spouse, children or estate. My name and address is shown on XXXX certificate. Since receiving my name and address, SunTrust is now addressing my late brother 's mail to him c/o my name and address. This was without my request or authorization. My brother has never resided at my address or used my address as a mailing address. I would like SunTrust to cease using my name and address for my late brother 's mail regarding the status of his loan or other legal notices. I believe lender should instead use loan holder 's name and last address of record for any required communication.

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 2022-03-15
Company: Synerprise Consulting Services, 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 hope this message finds you well. A couple of months I reviewed my credit profile and seen inaccurate information regarding an alleged collection ( SYNERPRISE CONSULTING ). The status is reporting late. I find that strange since I don't recall being late at all. Prior to submitting this complaint, I have sent over 3 letters to the Bureau to have them send the proper validation of this alleged late payment. I have even requested bank statements to be provided to prove that the payments were indeed late. However, all bureaus have avoided me. This makes me angry my consumer rights are being violated! I have the right to dispute any misleading information. I saw a ton of inaccuracies as well. Doesn't this go against the FCRA Laws?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-28
Company: Kriya Capital, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
THIS DEBT IS UNATHURIZED DOES NOT BELONG TO ME, I HAVE REACHED OUT TO THE DEBT PURCHASING COMPANY AND EXPLAINED MUST BE REMOVED

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I've contacted PRA several times about an open collection account I have with the company. I have tried on several occasions to settle this debt, but the representatives will never put the settlement offer in writing until after I have already sent a payment.

I have even hired an attorney to deal with PRA, but they will not put anything in writing in regards to the settlement offer when corresponding with him either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-02
Company: ALLY FINANCIAL INC.
State: DE
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I financed a automobile through Ally Financial and I purchased the Gap insurance they offered. My car was deemed a total loss by the insurance company. My insurance company and I have sent Ally all the information regarding this request. My insurance company paid the remaining balance should be covered by the GAP insurance protection they offered. They requested additional information and I sent it. Now they are asking for a police report that doesn't exist because the damage was water based. I've called there number to discuss and I get a message they can't take calls at this time. I tried to send a message via their website and that is failing and can't take messages. I want to get this resolved but can't even speak with them at this time. 

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 2022-03-29
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
Good Morning, I have complaints for XXXX and Synchrony bank store cards. My credit limits have deceased with these banks after either I made purchases with the approved limit or after I paid off my balances and waiting months to use the card. It's happened with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  American eagle Store Card, Tj Maxx Store card, and now my Ikea Project store card. The Ikea credit decrease was the last straw. I opened the card in XXXX. I made purchases then paid off the balance in full in XXXX XXXX I never missed a payment never had a late payment. My limit with the Ikea store card was {$5000.00}, after I paid it off in XX/XX/XXXX I didn't use the card again until this XXXX. I made purchases with the available credit limit of {$5000.00}. My purchase total was {$1700.00}. A few days after the purchase I receive an email stating I had a secure message> I log into my account to find out my ikea credit limit was decreased to {$700.00}. I have already made my purchases, so this puts my account over the limit by {$1000.00} and my credit utilization will now be affected> I started looking into the other store cards I had this happen with and they did the same> of course my credit score is bad because their practices make it seem like I am spending more than what In have, which is not the case. so when any other credit company do their checks they close the card or lower my limits. these practices are UNACCEPTABLE. Please can someone help investigate this, I'm sure they are doing this to other consumers. I have reached out yo Ikea XXXX XXXX to have them at least put the limit to the purchase amount I was told I have to request a credit increase, they review accounts monthly to check for good standing. I was in good standing so why the decrease?

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 2022-03-15
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Requested Loan modification XX/XX/XXXX from XXXX XXXX XXXXXXXX XXXX takes application, asks questions, does not issue Loan modification after 8 months of back n forth information trade, XXXX Transfer Servicing to Shell point Mortgage. 

XX/XX/XXXX - Transfer Loan to Shell Point Mortgage XXXX XX/XX/XXXX - Loan Mod is executed terms agreed to include past payments, back interest, and Taxes / Insurance. 
XX/XX/XXXX - first payment made by home owners XX/XX/XXXX till XXXX - All payments made on time XX/XX/XXXX - Shell point does an escrow review and finds an {$10000.00} deficiency, increase monthly payment by {$900.00} on top of agreed upon modification amount, demands payment start XX/XX/XXXX. 
XX/XX/XXXX - Homeowners challenge Shellpoint to show proof of loan mod terms and why is there any deficiency, since mod would include any back payments amounts, interest and taxes. 

NO solid information provided to substantiate Shell point claims other then standard run around and threating us with legal actions from XXXXhell Point. 

We believe XXXXhell Point has Violated the Real Estate Settlement Procedures Act ( RESPA ) and we seek assistance in dealing with this predatory lender / servicer

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: EQUIFAX, INC.
State: CA
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:
Equifax data breach personal information exposed A letter of intent to file a lawsuit

Company response to consumer: Closed with explanation