BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-11
Company: BANK OF THE WEST
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is pursuant to the initial complaint ( XXXX-XXXX  ). I spoke with XXXX the regional manager for bank of the west. He is not being helpful. They still have money on hold.

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 2017-07-21
Company: Select Management Resources, LLC
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I have paid this loan they will not release my title saying I owe XXXX $

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
Synchrony Credit have created an unusable online experience that is making it constructively impossible for me to login and check my balance. -- - I have an Amazon.com Store Card which is serviced by Synchrony Credit. The website, which is the only way I can view my statements, has recently been very difficult for me to use. Almost every time I have tried to login, I am told that my password needs to be changed, and/or that I need to receive and enter an passcode through my phone. On X/XX/2017 I tried contacting the bank both through the online chat support channel and by calling their phone support. The online agent was completely unable to help me. After a lengthy wait on the phone, an agent answered but was unable to understand what I was complaining about. Finally, he transferred me to another support queue, where I was put on hold for an additional ~15 minutes. The representative who answered was also unable to help, but told me that she would forward my request to their IT department. This aggressive login scheme seems to me to be excessive and I 'd like for you to encourage Synchrony to make their online experience more accessible. Thank you, 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 explanation
Consumer complaint received 2022-02-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Had this company in XXXX that came through with a sole purpose of assisting me sell my time share and i was defrauded of {$22000.00} through wire transfer. Bank of America did all transactions on my behalf and i have been in contact with them for over a year now to intervene. Bank of America has come back and they have told me that there is nothing they can do to help me recover my money.

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 2015-07-06
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX, I was called by Fifth Third Bank in the XXXX of XXXX to encourage me to invest money with them for better returns than expected with regular certificate of deposits which were often paying less than 1 % /year at the time. The investment banker recommended a 5 year stock CD offered through XXXX. They told me clearly that, not only is my principal fully guaranteed, but that I would get a return of 7.5 % /yr to 12.50 % /yr depending on the stock performance. There were XXXX stocks in the portfolio. Therefore, they ensured me that 7.5 % /yr return would be the worst case scenario. However, it was clear after the first 6-12 months that there was going to be 0 % return for the next 5 years and I was not allowed to withdraw early at any time before 5 years, otherwise I would lose a part of my principal investment as well. The investment matured on XX/XX/XXXX accruing 0 % interest over the whole 5 year period. In effective, this bank fraudulently took an interest free loan from me for 5 years, at which time they certainly invested or loaned it out to others for high profits, returning only the principal to me! This is clearly a fraudulent investment vehicle with false promises and a means for the bank to get your money for a long period of time without your ability to get it back when you want. They have given me no apologies or explanations for this. This investment vehicle needs to be stopped, the bank needs to be fined or disciplined, and I should receive compensation for unnecessary loss of income. If I had put the same amount in a regular CD at a mere! %, I would be ahead a significant amount of money. This bank is taking advantage of gullible and trusting consumers. They can not be allowed to continue in their same ways!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Capital One, charge off of {$3000.00} - This account showed my longest payment history and was established before I started my business. I worked out a payment plan with Capital One which would be in three payment installments that would keep my account active. After the arrangement was made the first payment was made over the phone with an agent. ( Have record ) I made the second payment on time and because of the approaching holiday season in which funds can get depleted fast, I decided to pay the final installment in advance at the agreed-to amount. The XXXX  system Capital One uses marked my final payment as unpaid and my account was quickly closed. 

I've sent several certified letters to Captial One in order to get my account reopened and I get back very generic letters from them. I did not want to lose my almost perfect pay history with that creditor and now that I own a business this derogatory mark on my credit file is causing me great financial harm. 

Lastly, I have several documents that support my claims and show the efforts I've made to resolve this issue. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK
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, account # XXXX, has violated my rights 15 U.S.C 1681 section 602A states that I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2020-01-11
Company: Linebarger Goggan Blair & Sampson LLP
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am concerned that either New York State XXXX is falsely Billing individuals ; or that someone is pretending to be them ; attempting to get people to pay them money. 

On XX/XX/XXXX, I received a letter, ( dated XX/XX/XXXX ) from Linebarger Goggan Blain & Sampson, LLP indicating that I owed {$100.00} to the New York State Thruway Authority.

I called The office on the letter ; and the was told that this was for a New York State License Plate for using an XXXX XXXX on XX/XX/XXXX. 

The License Plate on this letter is not my car ; I haven't had a New York State License Plate in over 5 years ; and I ( and the only registered cars that I own ) were not in New York State on the days that the charges happened XX/XX/XXXX ; or XX/XX/XXXX. 

On XX/XX/XXXX, I called the phone number on the letter ( XXXX ) and spoke with a man. I explained the situation to him ; and he indicated to reply in writing, which I did. 

In my letter, I explained 1- That plate number is not my plate number 2- I do not have a New York State Plate 3- Since XXXX, I have always had XXXX XXXX on my car ; so even if it was my car, it should have registered to the XXXX 4- Neither I ; nor the cars that I do own were in New York State at the time the toll  was used. 

On XX/XX/XXXX, I got another letter in the mail from Linebarger Goggan Blair & Sampson indicating, " Per NYSTA -- -If Customer Submits XXXX Statement that includes transactions for tolls for XX/XX/XXXX, XX/XX/XXXX, We will forward it to NYSTA  for further research, otherwise violation is due. '' Considering this was not my car, I would not have an XXXX XXXX for it. Whoever received my letter clearly either did not receive it ; nor did they take the time to realize that this was not my car. ( Either that or this is a scam ). 

On XX/XX/XXXX, I called Linebarger Goggan Blair and Sampson LLP back ( XXXX ) and spoke with someone who identified herself as " XXXX ''. I asked why I received this letter ; when I already explained that this is not my car. She explained that she is just a third party agent, and the letter was actually sent out by the New York State Tolls. She looked my information up ; and was able to show me the plate numbers that were present. The Photos are very unclear ; and one Letter is blacked out. She explained that and apparent " E '' may be an " F ''. She indicated that she would report this to XXXX. 

I am reporting this as the system that XXXX XXXX/ Linebarger Goggan Blair & Sampson has is one of 2 things : 1. It is either a scam 2. It is terrible customer service ; which may be leading people to pay bills that are not theirs. ( It is often easier to just pay something to make it go away ... then having to address the same issue several times ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
My Wife and I own a property that has a mortgage originated by XXXX XXXX XXXX. XXXX sold the loan to New Rez who now holds the note and deed of trust. The lien was mistakenly filed against the house twice. First on XX/XX/XXXX and then again on XX/XX/XXXX for the same amount. Just to be clear, we only have one loan with New Rez/XXXX. I am in the process of refinancing this loan with another lender but it requires that New Rez file a reconveyance of the erroneously filed lien in order to clear title. The title company we are working with has contacted New Rez three time ( XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ), I have contacted them twice ( XX/XX/XXXX and XX/XX/XXXX ). Each time I ask to speak to a supervisor and am told that no supervisor is available. The first time I was on the phone with them for 19 minutes and 40 seconds, the second time I spent 21 minutes and 31 seconds. The bulk of that time is spent trying to get a supervisor on the phone after briefly explaining the situation, to no avail. The first time I was told that a supervisor would be calling me back the same day and the second time I was told it would take 1 to 2 business days to get a call back ( today is a Saturday ). This is an issue because my rate lock is expiring and even a tenth of a percent change in the mortgage rate will wind up costing me tens of thousands of dollars over the life of the loan. 

New Rez has shown zero interest in resolving the issue and has consistently refused to even allow myself or the title company to speak to a supervisor. I can not and will not pay the mortgage twice which seems to be the only way they will release the lien at this point.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-16
Company: Experian Information Solutions Inc.
State: MO
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:
I reached out via certified mail and it was received on XX/XX/2022 to Experian about inquiries put on my report without my consent in XXXX of 2022. This violates 15 USC 1681b ( i ) stating that " the person has complied with paragraph ( 2 ) with respect to the consumer report, and the person will comply with paragraph ( 3 ) with respect to the consumer report if paragraph ( 3 ) becomes applicable ''. I did not comply to such reporting. It was never written in consent to Experian. 

I have attached a letter from Experian dated on XX/XX/2022 that denies they did not do anything wrong and stated that they are required by " Federal Law ''. This is a false statement due to the code published above where this reporting requires my written consent that they do not have obtained.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: Bread Financial Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
This is in regard to the most recent complaint with the requested fair resolution updated The company is passed validation period of 30 days to validate the debt. Consumer reserves the right to dispute any portion of the debt by law of the Fair Debt Collections Practice Act and Fair Credit Reporting Act. The company is reporting this debt as a charge off and reporting late payments to credit bureaus after they have allegedly sold the debt to a debt collection agency and still trying to collect where no way have I agreed are acknowledged the debt is mine.The company also has a collection service XXXX XXXX XXXX, XXXX which complaint has been filed through the Consumer Financial Protection Bureau ( CFPB ) on are around XX/XX/2020 which letter of validation to the company sent is attached on this complaint has also taken unlawful action by suing me after I have disputed this debt several times and demand an original signed ( wet ink ) contract with the original terms and interests proof of validation. I do not remember this debt are agreeing to an open account yet alone having the account with the original creditor and do not remember are acknowledging going into any contractual account with either the original creditor are the debt collector. By law it is the burden of the Collector to show I legally owe the debt and I demand proof by way of contract and this complaint is my dispute and Validation notice to the debt collector to provide that proof within 30 days of receiving this dispute and if it can not provide the original contact it must be removed from my credit reports and all attempts to collect the debt must stop. I also have letters attached from my attempts to have this debt verified and my verification letter dated XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I am a Veteran and I was having a medical emergency so went to nearest hospital and I notified the staff I was a Veteran because they would have to go through the VA to get payment for my treatment or transfer me to the VA hospital when stable but they did not contact the VA and now have been trying to make me pay the bill have been fighting to get this of my credit report Trans Union but to no avail so want to file complaint.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-08
Company: Franklin Collection Service, Inc.
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I have been contacted different times with different amounts from this company about an XXXX XXXX XXXX bill. I have asked them to provide me with some type of official documents that proofs the debt is my. They havent done that and will not remove this from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: CITIBANK, N.A.
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I opened the account and set up automatic payments at the time of transfer. However, I just found out that there was a missed payment somehow and when I tried to access my online account their system was saying that they were having a technical difficulty and to try again. I tried again 5 times. Then I called to make the payment manually and the guy on the phone disregarded my caution that their online system isnt working and followed through with the payment. I then put my account on auto pay with him over the phone like I did the first time I signed up for the card. I still have no access to online account and it is on some weird loop that never lets me into the actual account. The small balance overdue of XXXX has been paid. I also discussed that I never got a call or email regarding the missing payment method and there wasnt much said about that either. Not sure how this happened but would like to get it squared away so that I do not have a missed payment on my report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
TransUnion just charged me {$29.00} ( on XX/XX/2020 ) to see all three of my credit reports at once. I can't believe a scam like that is allowed. It is against federal law ( the Fair Credit Reporting Act ) to charge for a once yearly credit report from all three reporting agencies. TransUnion should not be allowed to charge for access to see XXXX  or XXXX  credit reports. A once yearly credit report is FREE. You should NEVER have to pay for one.

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 2015-11-06
Company: Avant Credit Corporation
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
I applied for loan with Avant, Inc. on XXXX XXXX, 2015. I was informed by Avant that I was approved for {$12000.00}. I provided all of the requested documents, and communicated by phone 4 or 5 times. I actually spent over 4 hours on hold between XXXX/XXXX/15 and XXXX/XXXX/15, and I was even disconnected on one occasion, after being on hold for nearly an hour. Avant 's customer service representative was kind and thorough in handling my questions, but there was n't any follow through from Avant. 
On XXXX/XXXX/15, I was informed my application expired, and a new loan application was activated. The new application was activated when I logged on to my account to check my status because a contract requiring my signature was on my screen, and I was n't able to navigate on my account, without signing the contract. I was not aware the contract was for a new application, and I was not aware my original contract had expired. 
Due to Avant being in possession of documents containing my personal and financial information, on XXXX/XXXX/15, I logged on to my Avant account to verify there had not been any activity on it. On XXXX/XXXX/15, I received an e-mail from Avant stating I applied for a loan on XXXX/XXXX/15, and it was declined. I did NOT apply for another loan on XXXX/XXXX/15, nor will I ever apply for a loan from Avant. 
Based on information I located on the internet, Avant is rated XXXX and a half stars out of XXXX stars in comparison to other lenders, but my experience with Avant did not reflect the practices of a company worthy of a positive review. In my opinion, Avant was misleading, and their customer service was deplorable. In addition, I am now concerned about the possibility of fraudulent use of my personal and financial information due to the notification stating that I applied for a loan on XXXX/XXXX/15, when I did not apply for another loan. 
I e-mailed my complaint to Avant, and they replied, informing me they deactivated my account, and they referred me to their privacy policy regarding my concern about my financial information. Although my complaint to Avant was handled, it should still be noted that their methods are suspicious, and their communication is painfully time consuming.

Company response to consumer: Closed with explanation