BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XXXX/XXXX/15 I received the following offer from my Paypal MasterCard : " The choice is yours this holiday season -- Earn a {$25.00} e-gift card when you spend {$75.00} or more with your PayPal Extras MasterCard ( R ) now through XXXX XXXX, 2015. * ( Maximum of XXXX {$25.00} e-gift card can be earned. ) " I activated the offer & charged $ XXXX+ on my credit card the following day. On XXXX/XXXX/15 I contacted their customer support via email asking when I could expect to receive my e-gift card. First they requested that I forward the email to them with the offer, then they requested I copy & paste the offer in an message to them. After 5 back & forth messages, they told me that I had to call their customer support phone number. Each message from them was from a different person, never the same one twice. I call the phone number I was referred to & after more than 30 minutes, I was told that I had to be transferred to someone else. After another XXXX minutes & telling my story again, I was told that the first person should have helped me & was transferred back. At this point, I told the rep to cancel my credit card & not to send me any further correspondence other than resolving this matter. After nearly 45 minutes with the next rep, I was told that because I had cancelled my credit card, I was no longer eligible for this offer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-18
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Dear Sir/Madame, At XXXX of XXXX we sent the payment in US dollars from our account in XXXX ( XXXX ) to XXXX via the Bank of New York Mellon as a payment by contract ( buying a sanitary ware and accessories for a bathroom ). 
Amount : USD XXXX XXXX : XXXX Senders Reference : XXXX This payment was not received by the payment receiver. 
We tried to cancell this payment but we didnt get an answer. 
Please, let me know how we can get back our money. 
Thanks in advance. 
Best regards. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: Focus Holding Company
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: Continental Services Group, Inc. d/b/a ConServe
State: MI
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:
On XX/XX/2021 XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon further research, on XX/XX/2021 I asked the company XXXX XXXX in writing to verify this account. In which the account stated I owed a balance of {$840.00} dollars. After the 30 days I than demanded for this account to be removed from my credit report, due to the fact debtor creditor states their verification process was completed stating I attended this school. XXXX XXXX is also reporting inaccurate account information, such as payment status, balance due, creditor name, I feel as I am not responsible for this account. There was no written form of communication, contract or signature for the accused Derogatory account at all. According to the FCRA XXXX XXXX has violated my rights as a consumer and Im requesting legal action to remove this collection account off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: BARCLAYS BANK DELAWARE
State: WI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
This is a rebuttal to the complaint I had filed ( XXXX ). For the first time I did get a call back from Barclaycard. Their response I felt was unacceptable. I am upset because the merchant had no time limits to use their service for the bids I purchased but Barclaycard said I enough time. How can they make that decision. They still did not offer arbitration or even consider All the items I did pay for with bids and ending purchase price that were never received. Services were not as expected. I do n't think they even tried to resolve this and just made a judgement call because they did not want to take the time.

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 2016-12-28
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid my XXXX mortgage payment through the Mortgage Companies website, ( Cardinal Mortgage ) on XX/XX/2016, and noticed on XX/XX/2016 that the funds had not been withdrawn from my bank account. I called a representative from Cardinal on XX/XX/2016 and was told that the payment from XX/XX/XXXX was declined, and was instructed to enter a new payment for the same amount, and assured that the payment would not be duplicated. I told the rep. that I was about to leave the country for a week, and wanted assurance that the payment was taken care of. Upon returning on XX/XX/2016 I noticed that a total of 3 payments were deducted from my checking account resulting in NSF fees of {$70.00}. The mortgage company instructed me to email copies of the statement showing the NSF fees, and they would consider repaying the fees to me after 5 - 30 days. They refuse to acknowledge that the 2nd payment was based on instruction from them, and the 3rd draft was clearly done by then automatically as a retry draft as indicated on my bank statement. I do not fell that I need to wait 5 -30 days to see if they decide to reimburse me for THEIR mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
Company: CREDIT ACCEPTANCE CORPORATION
State: OH
Product: Debt collection
Sub-product: Auto debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
In XXXX of 2016 my car was repossessed by credit acceptance corp. they refused at the time and afterwards to make any sort of arrangements to bring the account up current before and after the repossession. The company would not negotiate with me at all and put the account in repossession on my credit report where it remains to this day. I have contacted them multiple times to try and remedy the debt and work out an arrangement and all they do is refer me to an lawyers office and when i call the lawyers office i leave voicemails with my contact information for them to get in contact with me in order to work out any type of arrangement to get the debt taken care of and cleared from my credit report. XXXX XXXX XXXX XXXX  XXXX XXXX XXXX has never returned my phone calls or made any attempts to contact me. Its shown on my credit report that the amount still owed is {$3700.00} and it being on my credit report has caused me great stress it trying to finance any vehicles as well as housing for myself and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My ss # came up on a credit report while trying to refinance my home. I did not know why I had a negative report, so I disputed it, and I got the loan. While revisiting my credit report, I see that the report is still on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Fees charged for closing account

Complaint:
Usaa My account was croupted 4 mths ago usaa send 3 new atm cards and I closed my checking account. All attempts were by ach I had over 20 within 90 days sometimes 3 a week Usaa would always refund any money taken and fees. However after 3 attempts in one week it takes an 10 business days to settle each event. Preventing me from closings the account in the mean time 3 more would come in same account number different name you would think they could figure it out after speaking with 4 mangers a fraud department twice. There suggestion is for me to pay the {$29.00} overdraft fees and close the account Now I already been refunded the money taken this is about the overdraft fee which I refused to pay All I want is to close the account

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 2021-08-31
Company: CL Holdings LLC
State: CO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
On XX/XX/XXXX. XXXX someone used my personal information without my agreement on a website called XXXX. The amount for this XXXX debt was XXXX XXXX The address that was provided was my old address that I shared with my ex XXXX until XXXX. He still lives there. The email address used was his email. I never received any bills or knew about this debt in my name until XX/XX/XXXX when I noticed a Derogatory mark on my XXXX XXXX account. I immediately contacted the collection company which was XXXX XXXX XXXX they explained to me that someone purchased something for XXXX $ XX/XX/XXXX with XXXX and the debt is now owed with them since XX/XX/XXXX. I am currently in the process of filing a police report. I also tried to call XXXX to get more information but they cant help me because its already in collection. I am also waiting on my credit report with the major credit bureaus to see if there is anything else that was opened in my name without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am currently in a repayment plan with my mortgager until l am able to refinance with another bank. l owe no more interest and they dont refi. l have sent all of my payments on time but every few months they reject payment and delay in processing. Currently my payments were finally accepted but they are putting me in default and/ or forbearance against my wishes to delay me from obtaining a refinance in XXXX. I have been trying to work with them to correct the problem on their end but they making the problem worse and worse. l know have received several demand letters stating they will refer case to a lawyer if not resolved. l have been in complete compliance in my repayment plan since day one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18
Company: URS Holding, LLC
State: AZ
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
She called my XXXX year old son, my husband and myself nemorous times, one after another each 1 minute apart. Left voice mails that scared him saying a compliant has been filed and legal proceedings will begin.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: BARCLAYS BANK DELAWARE
State: KS
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX, 2016, I was informed by my father I received a letter at his home from the referenced collection agency. Upon calling on the same date, I spoke with a XXXX XXXX who stated my account was in a " Pre-legal state. '' I immediately asked to speak with a Supervisor and was connected with a " XXXX '' who said that they state that on all of their calls for this credit card because the creditor makes a decision if they will close the account and have their in-house attorney sue on them. 
This is a clear violation of Section 807 " False or Misleading information '' of the FDCPA, because the referenced statement implies the collection agency could sue me when it is up for the company, and even by " XXXX '' own admission the collection agency does not sue people. 
Additionally, legal action would not be immediately taken, as the attorney is required to send a letter of demand/validation notice before filing a petition with any court. 
I also feel the name XXXX XXXX XXXX is deceptive as it implies they are a location company, not a debt collection agency. 
Additionally, I have never received a validation notice regarding this account, as I stated I had moved and was never asked for an address on where to send the validation notice.

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 2015-07-22
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Late fee

Complaint:
Synchrony bank submitted my name to all XXXX bureaus with XXXX late payments even though I had been making them. They charge XXXX per month for a late fee, even though the payment might have come in just a few days late. They were turning me in because of the Late fees because even though I was paying them the regular monthly payment, I was unaware that late fees were accumulating and putting my bill into the " late '' category. I think turning me in XXXX times to credit bureau without being notified was excessive! I have since put them on autopay and if I had the money, I would pay them off immediately! They are rude when up you call and their communication is terrible! I had no idea they turned my name I to credit bureaus until I ran a report - are n't they supposed to notify you?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: Experian Information Solutions Inc.
State: CO
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:
On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.

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 2022-11-18
Company: EQUIFAX, INC.
State: CO
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:
On XX/XX/2022 I received a copy on my consumer report, and I noticed that someone else information was added to my credit report. I immediately contacted all parties involved about this matter and have tried to work this out to get this inaccurate information removed from my reports. Under the Fair Credit reporting Act this is a violation of my rights as a consumer. XXXX XXXX XXXX is reporting an auto loan that does not belong to me, the CFPB States the FINANCE COMPANY XXXX XXXX XXXX IS IN VIOLATION OF 15 USC 1681s-2 ( a ) ( 1 ) ( B ) ( ii ) for false and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Carrington Mortgage has been nothing but a headache since my loan was transferred to them. I always make my payments within a 30 day time frame of when it 's due and some payments will post to my account the same day and other payments will post 11 days after the payment was made. This has caused a huge conflict with the way they are reporting the account on my credit report. All XXXX bureaus are showing totally different payment history. Each time I make a payment I draw a house on my calendar so that I can keep up with when the payments were made etc. I get confirmation numbers but the confirmation numbers never match what they have and they argue and refuse to fix the problem. The following months they have marked me late on my credit file and that is not the case. XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015 and never was I 30 days late for any of these payments. I will attach my calendar to show you the dates the payments were made compared to when they posted them as well as a chart I typed up showing the differences in how long it 's taking them to post my payments. This is rediculus and I 've had enough of it. I do n't understand how these mortgage companies continue to get sued but continue to XXXX the laws and get away with it. The mortgage payment is due on the XXXX of each month. XXXX was paid on the XXXX and only took them 1 day to post the payment, XXXX was paid on the XXXX which was a monday but it took them 3 days to post to my account, XXXX was paid on the XXXX and they posted it to my account the same day, XXXX was paid on the XXXX and it took them 11 days to post to my account, XXXX was paid on the XXXX and it took them 3 days to post the payment to my account, XXXX was paid on the XXXX and it took them 6 days to post the payment to my account and XXXX was paid on the XXXX and it took them 11 days to post to my account. Never have I paid 30 days late and there is a huge window as to when they wan to post payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-31
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:
This is not for one company in particular. 
I have 2 credit cards and one personal loan that I had to use to pay bills and to relocate for a job. ( All due to Covid ) When disputing this credit there is a selection for Covid 19 issues.

All my disputes came back ok, because I paid they, they are not giving indication to the Covid issue.

If the government is offering grants or assistants for this debt, it should be noticed at the Credit Bureau of investigation, yet noting implied that I selected a Covid problem or any direction. I'm trying to get my credit score clean so I can be in good standing to purchase a home. Please keep in touch and provide direction on the new law 's and rules for the Covid debt relief. Thank you very much, 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 2022-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Sometime in XXXX I became aware of a Capital One account had been opened in my name. I honestly can not remember how but I think Capital One contacted me. At the time of the call I thought it was done, account closed. I did ask for verification of the closed account to be mailed to me. I got verification of XXXX accounts being closed in separate envelops. 
The account I was aware of, XXXX XXXX I have no idea what this other account is and couldn't get any additional info from Capital One fraud representative, the other account ended in XXXX. 
Since verification of XXXX accounts being closed I still receive communication from them as if I am a customer. I don't have the date but, I have received a debit card well after the closing of the accounts. I have called each time and they confirm I don't have a account. Today I received a notice about setting up my new 360 checking account ( I am embarrassed to say I can not remember how the message came to me, it had to be by text but I can not find it! ) I went to the website for their phone number and called. Thinking I was still dealing with the first XXXX accounts I inadvertently found another account had been opened in my name, the last XXXX digits are XXXX. I couldn't get any additional info about this account from the Capital One representative except it the information to open the account was done online yesterday, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03
Company: CNG FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I wrote a letter to them informing to only contact me by email. They have repeatedly called my cell phone and they have also called my work phone repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Charges were placed on my Care Credit Card by XXXX and XXXX XXXX that had not been sent to the insurance companies provided to them for the dental work done. New Office Manager is trying to clean up the mess left by the old office manager and Care Credit Synchrony Bank will not work with that office or myself on getting this card out of collections and off my credit bureau reports. I am trying to refi my house dropping my interest from 8.5 % to 4.0 % and this is blocking the whole process. Any advice or help would be appreciated. We have offered to make payment to bring the card out of collections but the bank will not listen. The cease and desist letter with attached documents will explain everything. If you have any more questions call me XXXX. Thank you.

Company response to consumer: Closed with non-monetary relief