BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-29
Company: Clear Debt Solutions, LLC
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
charging outrageous fees tried to set up a payment plan but unsire who I am paying they keep harassing me at work calling my cell phone saying they are going to verify my employment. Im trying to fix my credit with a consumer credit services and they do n't want to wait for payment. He be littles me saying I broke the law trying to embarrass me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
There was an unauthorized transaction on my account and my bank is stating that it is my responsibility.

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 2015-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
back in XX/XX/XXXX, I spoke with a representative at XXXX who made a payment arrangement with me. The instructions given to me during the contact were that I would be responsible to make XXXX payments on the account to pay in full. I made the XXXX payments and the account was closed. Later, I find out on my report that Capital One is reporting it as a settlement. I was not informed this was a settlement. I spoke with a representative at Capital One on XX/XX/XXXX who acknowledged the error and advised me it would be deleted from the credit bureaus. He just needed to do this and would send me a copy of the letter. After a week of not hearing from this representative, XXXX, I called back and was told he was on an extended absence and that my case would be reassigned. After another week of not hearing from the new case manager, I called and spoke to XXXX with their customer relations department advised me that that I had a {$170.00} balance left owing. She offered to have me pay the balance so that the account would truly show paid in full, not charged off paid in full but said she would get back with me after she checked to see if she could do that. After XXXX days she calls me back to say that I could pay it but it wo n't " help. '' There are so many things wrong on so many levels with how this all transpired. Delayed contact back from Capital One several times, representatives offering to do things that they did n't know if they could do due to lack of knowledge from someone who is in an upper level representative position, answering for their CEO and not knowing her stuff. XXXX promising me that it would be done XX/XX/XXXX and that I 'd get a letter and then XXXX saying that she had that call pulled and listened to and that she could understand why I would be confused by that contact with XXXX and yet not making it right. Then stating that I could pay the {$170.00} but that would start the clock back over resulting in them reporting negatively until XX/XX/XXXX, possible XX/XX/XXXX. I want this removed from the credit bureau due to XXXX 's original agreement to show it paid in full not a settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I had called XXXX XXXX to setup a different payment plan /forebrance. I was under the impression the plan was approved and ready to go after we load connection on the phone. A month later they put on my credit report that I was late on payments. I called them up and they said when we lost connection it didnt go through. I asked them nicely to re set everything up and take the negative remarks off my credit report. They set up the new payments but refused to take off the negative comments on my credit. We are currently going through a pandemic and hurting peoples credit especially when it was an honest mistake, shouldnt be the way to do business. I am asking for the negative comments/ reporting to be taken off my credit since it was an honest mistake and given the circumstances.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance, not the minimum payment, and some of my outstanding balance are not due until sometime in XXXX. More importantly, it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However, a representative of the customer center confirmed me that this is how they charge their customers, and they will do it again if my true balance is lower than my statement balance. So clearly, they have this practice of charging customers before the due date, and it is not right. I have attached all the documents to support my claim and am willing to provide further information if necessary.

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 2021-12-20
Company: CCS Financial Services, Inc.
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
XX/XX/21 I sent out letter to Credit Collection Services XXXX XXXX XXXX XXXX, XXXX XXXX requesting debt validation of {$320.00} ; no response. Sent out same letter on XX/XX/21 still no response.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Ditech Financial LLC
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my home equity loan with Green Tree in XXXX of 2013 based on the payoff amount indicated at the time. Ditech sent me a bill yesterday for {$2.00}. When I checked my credit report, it appeared that the charge was made up recently as I was never sent a bill before now. Their rep said that the charge was for interest even though I paid the loan back in full. Now my credit is going to be negatively affected over a charge they ca n't even justify. XXXX, their rep, claimed I was charged because I did n't close the account. I have always paid my bills on time and am devastated that they would harm my credit without even contacting me first.

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 2015-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Credit card
Issue: Billing statement

Complaint:
We were not receiving paper statements on our credit card account with USAA, so we contacted customer service to change our billing preference. That was over 6 months ago and after monthly calls to USAA customer service, including a problem resolution department in XXXX, we have yet to receive a paper billing statement. As a result, we are unable to verify purchases, review interest charges or know our minimum monthly payment. This is a breach of our card member agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31
Company: MB FINANCIAL, INC.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Dear President of MB Financial. 
Please be advised that my subject loan # was tagged with a 30-60 late for no reason on XXXX 2015. 
The XXXX check was deposit XXXX check # XXXX, ( It was 3 days before XXXX XXXX ) I have proof of each and every payment. 
I was trying to work out the details with your Customer Service Rep and I am getting no place. 

I am asking your help today.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On XX/XX/XXXX XXXX XXXX XXXX got a loan for a XXXX XXXX which was price online for {$16000.00}. I also put a down payment of {$3000.00} witch is a violation of 15 usc 1605 there should not be a down payment in a Consumer credit transaction. They also never provided insurance which is supposed to be included in the finance charge an is a violation of 15 usc 1605a ( 2 ). At the end of the transaction The price of the vehicle was {$26000.00} with the total amount of payments is XXXX. The finance charge is {$8400.00} and is the sum of all charges according to 15 usc 1605. They also never gave me my right to rescind papers. Also never gave them any written consent or instruction to report this to any consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Other

Complaint:
Acquired a Capitol One Venture Card for trip to XXXX 6 or so weeks before the travel. 
When the cards arrived we called to inform them of the specifics of our travel, and requested a pin number which arrived by mail shortly. We called to change the numbers ( I believe this was automated ). 
On arrival in XXXX, we could not get cash with our pins. We did get one or two uses of the card, and then it was blocked. No call was received as is usual on our cell phone, nor on our home number when I had a relative check. As we had a back-up card and bank debit card, we switched to that use rather than incur the cost of phone calls to Capitol One. Calling today, Capitol One did not have the travel times, nor the cell number and claimed our home number was out of service ( a relative was here ). 
So, consumer beware. 
( What 's NOT in my wallet? )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-04-21
Company: EQUIFAX, INC.
State: FL
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2021 I sent a letter regarding an inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section XXXX ( a ), It states that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report its been over XXXX days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29
Company: Phillips & Cohen Associates, Ltd.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Phillips and Cohen requesting debt validation on XXXX/XXXX/2015. This was my second request to get verification of this debt and they have ignored my request time and time again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: NCB Management Services Inc.
State: MI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Please note that I was rudely contacted as was my family by someone who would not give their name, fooled me into providing my personal information ( last 4 digits of my social security number ) and stated I have an account for an internet loan. I am XXXX years old. I did not take out an internet loan, and they will not stop harassing me by phone or my family members. I have requested a cease and desist, but they continue to call, make threats, wo n't provide any documentation, and over disclosure my personal details that they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
IN XX/XX/2020, MY UNEMPLOYMENT BENEFITS DEBIT CARD ISSUED BY BANK OF AMERICA WAS MAILED TO THE ADDRESS THAT I HAD ON FILE. AT THE TIME THE CARD WAS DELIVERED, I WAS INCARCERATED AT THE XXXX XXXX XXXX  ADULT DETENTION FACILITY IN XXXX XXXX, CA. THE DEBIT CARD WAS STOLEN AND THE FUNDS WERE WITHDRAWN FROM THE ACCOUNT TOTALING {$15000.00}. UPON RELEASE FROM JAIL I IMMEDIATELY WENT TO THE LOCAL POLICE DEPARTMENT AND FILED A FRAUD REPORT IN REGARDS TO THE STOLEN DEBIT CARD AND FUNDS. I FILED A FRAUD CLAIM WITH BANK OF AMERICA AS WELL. I SUBMITTED ALL THE DOCUMENTS THAT VALIDATED MY CLAIM THAT I WAS INCARCERATED AND THEREFOR COULD NOT HAVE BEEN THE ONE TO RECEIVE THE DEBIT CARD VIA MAIL. DESPITE ALL THE EVIDENCE THAT THE BANK RECEIVED, THE BANK HAS IS REFUSING TO CREDIT ME MY MONEY THAT WAS STOLEN FROM MY ACCOUNT. THE BANK HAS GIVEN ME FALSE INFORMATION SEVERAL TIMES STATING THAT THE CREDIT WAS GOING TO BE APPLIED TO MY NEW DEBIT CARD, HAVING ME WAIT MONTHS FOR MONEY THAT WAS NEVER COMING. DUE TO THIS FRAUDULENT ACTIVITY, I HAVE BECOME HOMELESS AND UNABLE TO FINACIALLY SUPPORT OR CARE FOR MYSELF. HOW CAN THE BANK REFUSE TO GIVE ME MY MONEY WHEN THEY HAVE PROOF THAT IT WAS STOLEN? IS THAT NOT WHAT THE BANKS INSURANCE IS MEANT TO COVER?

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 2020-04-11
Company: JPMORGAN CHASE & CO.
State: NH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
In XXXX I applied for a credit card but unfortunately, I had technical difficulties and had applied over 8 times to two cards. I called them they said they said they understood and approved me for the freedom unlimited and would take the dings off my account. When i called back a week later to see where my card was they acted like the first call had never happened. My score has still been affected, i do not want the card anymore i just want my credit score back

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: NCB Management Services Inc.
State: MT
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
NCB Management Service called my husband on XXXX XXXX, 2017, about an alleged debt I owe and told my husband the name of the creditor, the amount of the debt, and last payment made to the alleged creditor. The debt collector also tried to get my husband to " take care '' of the debt. My husband asked if he was on the alleged debt, and he was told his is not. I called the number my husband gave me and instructed the debt collector not to contact my husband or any other third parties about the alleged debt. The representative claimed he could call whomever he wanted to discuss the alleged debt, then asked me to verify personal information. I refused, and told him I did not trust his tactics. He said he would transfer me to his supervisor. I waited on the line, but nobody ever came back on the line. The debt collector attempted to contact my husband again on XXXX XXXX, 2017. On the same day, I sent by email and certified mail a request for validation of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CITIBANK, N.A.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On Friday XX/XX/XXXX I logged into my Citibank mobile app and notice that the account that I'm on with my son ending in # XXXX was negative {$5900.00}. After going through the transaction history I see that XXXX checks were deposited and XXXX withdrawals were made and a wire. My son lost his wallet on XX/XX/21. The last time he remember using his card was at a XXXX gas station for {$8.00} and then he couldn't find the wallet anymore. After that he looks like these transaction happened after that. My son is a victim of identity theft and fraud on his checking account. 

I called the 800 number that's on the back of the card immediately, and spoke to a rep. Who stated that I'll need to go into the branch to get my name removed off the account so that they don't try to pull the funds from my sole account. Initially I thought my son had done this because he was looking for a part time job for the holiday and some guy online tried to say he'll mail my son a check to by the computer to do the job and then my sone would write him a personal check for the difference. My son stated after the guy said that he started to ask for his social and driver 's license number and he stop responding so he never provided any info to him. 

On Saturday I went into the Citibank at XXXX AM XXXX in XXXX, IL. XXXX branch and sat with a banker for XXXX hours that couldn't assist me. She called the fraud department and stayed on hold for XXXX XXXX hour and then stated that they must be closed because no one never answered. She then instructed me to go on the mobile app to see if someone would help me. I went back and forth one rep stated he'll get me over to the disputes department and when that rep answered she stated that I was in the wrong department. Finally someone stated that they'll put a dispute in for the {$1000.00} and {$500.00} cash withdraw. Then provided me with a number to call the wire fraud department for {$4700.00} that's not open on the weekend. Then I was told I would have to visit my local bank to dispute the XXXX {$17000.00}. I was there for XXXX XXXX hours and the banker kept telling me that she couldn't assist with this only the fraud department could that never answered.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MD
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX/XXXX/2016 I proceeded to pay my online bill to American Medical Collection Agency located in XXXX NY. Since I am unemployed I sent up arrangement to pay {$20.00} monthly.as it stands I had a balance of {$650.00}. I paid {$20.00} which was the agreed upon amount that I set up with this collection agency. When I checked my bank statement on XXXX/XXXX/2016 this agency took the whole amount of {$650.00} from my checking account. My confirmation for paying the {$20.00} was XXXX. What sickens me is that I never received an email stating that my {$20.00} was accepted. This is fraud in the highest degree and consumers must be aware .i am requesting the this collection agency refund what is owed to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-11
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I called to find out my score but they have my social security number incorrect I've been denied a loan during this horrible epidemic

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 2016-10-14
Company: Solutions To Portfolios, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I was called by this company 7 times before XXXX I called the number back and asked them to stop calling me and they still called back 4 more times, totaling 11 calls in 1 day, all before XXXX I feel that this is harassment. I called back a 2nd time and was told that whoever I spoke with the first time should have taken me off their list and did not.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: EQUIFAX, INC.
State: CA
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: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX who is submitting this CFPB complaint myself. This item is reporting late as reported in Equifax. Lets correct this immediately. Equifax is required to verify for themselves, but they failed to neither verify nor update me about these complaints. 

( XXXXXXXX XXXX XXXX XXXX )

Company response to consumer: Closed with explanation