BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-12
Company: Kriya Capital, LLC
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Credence Resource Management LLC purchased an expired debt that I was no longer liable for. This debt had been removed from all of my credit reports it was expired and time barred. 
They did not contact me before placing negative info on my credit report to give me a chance to verify this debt. 

They re-aged the debt claiming it was a new account and the last payment was in XXXX 2016. Federal Law prohibits cell phone companies to sue after 2 years, they sent the info to XXXX and it caused my credit score to drop XXXX points. I have since disputed and XXXX gave me a favorable decision and deleted the negative information. 

This practice of parking and re-aging a debt is illegal, especially with out first trying to contact me.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.

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 2021-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I was notified of account being closed on around end of XXXX of XXXX. Was told that the funds would be returned after 60 days of account being closed. It has now been over 100 days. I spoke with bank representatives but no one would tell me when the funds would be return to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I bought on credit some furniture and they start callin the day its due and every day 5-6 times every day

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-10
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Payoff process

Complaint:
this amazon synchrony card is running a scam. it is entirely unclear from their user interface on their website or with the help desk to determine your payments and current balance. everything posts on massive days delays. it is impossible find out how much to pay in order to bring balance down to zero. they are operating trying to catch people with late fees and such due to poor, inacurate, and delayed data.. what a nightmare. they should not be in business. they do n't even understand the balance due, how can a customer.

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: Experian Information Solutions 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. Upon reviewing my updates, incorrect information was found in my reports. The Experian Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2017-02-06
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I recently file for chapter XXXX bankruptcy, in an attempt to get a new start for our family. During the process, our mortgage company ; Shellpoint Mortgaging Servicing notified us that we were eligible for a loan modification. The paperwork came and we filled it out as accurate as possible, providing all the required documents that were needed to go forward with the modification approval. Several weeks went by and we finally heard from a representative stating that she was taking on our case, " the original representative is no longer handling our case ''. This particular case worker needed the same documents all over again, in which we complied. Several more weeks go by and she stated she needed additional paperwork, via fax, in which we complied. Once again we get a letter stating that our paperwork was handed to another case worker ; repeating the same thing the other XXXX case worker stated. Once again my wife and I complied. Finally, we received a letter stating that we were denied loan modification and loss mitigation. Please understand this has been several attempts over the past two years or so trying to get remodified, which lead us to other choice but to file for bankruptcy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They continue to contact my family members trying to get information about me saying they need to collect a debt. They were very rude to my parents and my brother on the phone. IT seems like a scam

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20
Company: NAVY FEDERAL CREDIT UNION
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: Report provided to employer without your written authorization

Complaint:
Ive contacted Navy Federal numerous of times and informed them that I do not give them permission to give my information to any credit bureau. I also reported that they are not allowed to report any negative balances, remarks etc on my report with any bureau. This is my right as a consumer, and I demand they stop immediately. My information is not to be shared with any third party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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. Upon reviewing my updates, incorrect information was found in my reports. The Transunion Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2016-11-15
Company: Hunt & Henriques
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
Good day. I reside in So XXXX and I have a civil court judgement for a defaulted credit card. This dates back to approx. XXXX. In XXXX the plaintiff attempted to levy my savings accnt at my credit union. I rec 'd guidance from the court 's self help clinic and submitted a claim of exemption stating my only income was from Social Security XXXX, VA benefits, and Gov't Pension, via direct deposit. The judge granted my exemption. I elected to have an additional credit union closer to home and had the VA benefits and Gov't Pension direct deposited there for convenience. Now, approx. 16 months later I receive a letter from the new credit union stating my entire accnt is frozen to satisfy a civil court judgement. I went down to them and explained my income in this accnt is protected from a civil judgement. I said there is no commingling of funds in my accounts. They stated they did not care and were going to follow the sheriff 's levy document. I stated they know where my income comes from as it is stated on the monthly statements. I stated, I believed they were violating Federal Law and state reg 's ( XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX ). I finalized my brief meeting by stating that because of their reluctance to follow the law I am currently suffering damages that the credit union may be responsible for. 
I have since filled out the proper doc 's ( Claim Of Exemption and Financial Statement ) and submitted to the sheriff 's levy office.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Fraud or scam

Complaint:
Around XXXX XXXX My debt cards and information was stolen they then proceeded to withdraw all my money over XXXX  they then place a fraudulent check of XXXX in my account and withdrew it placing my account in a negative status Ive tried to tell the bank it wasnt me but there holding me liable Ive tried to do everything but have had no luck an my accounts are going to be closed ( usaa ) I had absolutely nothing to do with it and have no money left I would think atm footage would be enough to prove its not me but Ive still had no luck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: TRUIST FINANCIAL CORPORATION
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We made our regular mortgage payment every month in the amount of {$650.00}. The bank demanded additional {$2600.00} in XXXX and we made that payment due to concern that the bank will keep incorrectly reporting the mortgage in default. The bank finally admitted that they caused the mistake, but did nothing to correct the problem. We need our {$2600.00} refunded back to us immediately.

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 2015-04-22
Company: DISCOVER BANK
State: TX
Product: Credit card
Issue: Transaction issue

Complaint:
When I was late with payment to Discover, a representative called and got me to schedule a payment on my next regular payment date. Still underemployed, I ca n't afford to make the payment this month. The Discover web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. ". Since I arranged this payment by phone, I assumed I would be able to cancel the scheduled payment on the payment posting date, but the representative claimed she could not cancel it. Now I 'll have to pay my bank {$35.00} to stop payment. The information from my bank details this payment as " Phone Pay '' The following is transcript of chat with representative : XXXX : at XXXXXXXXWe submit the payments electronically to your bank on the date the payment is scheduled for. Once submitted, your bank takes over the payment and depending on how they process the payment will determine when the payment will hit the account. We do not have control over this. 
you : at XXXXXXXXThe web site says " Payments made online or by phone must be edited or canceled by XXXX XXXX on the payment posting date for changes to take effect. '' I find it hard to believe this payment ca n't be edited or cancelled also, since today is the payment posting date. 
XXXX : at XXXXXXXXYour payment was scheduled by a representative, not through the website. 
you : at XXXXXXXXThat does n't explain why you, a repersentative, ca n't cancel it. 
XXXX : at XXXXXXXXThe payment has already been processed. Once processed, they can not be canceled.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I had XXXX XXXX call me at home ( cold calls ) and offer insurance policies as I was not insured and I had been looking on the Federal Exchange. I asked specifically if they covered the doctors I was using as I am XXXX now and they said they " looked it up '' and answered absolutely YES. The insurance companies were from out of state. When I tried to tell this to Capital One the card I had charged the premiums to they said the companies submitted all their paperwork where I had signed up, although I never received anything from any of these companies. They told me not to use the policy for 30 days and directed me to a website to print up a temporary insurance card, nothing else. The card is refusing to credit me for the money I spent on these policies they blatantly lied about. I am XXXX and have no income. I believe they sold policies on fraudulent premises, lies. I have written several letters to Capital One explaining this to no avail. Capital One is siding with the insurance companies. I called and cancelled these policies within the required 30 day period which now the insurance companies are denying. I got no paperwork or confirmation numbers when I cancelled these policies which is what Capital One is asking for. Which is why I am guessing they did n't want me to file any claims for 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
To Whom it may concern, My name is XXXX XXXX on XXXX,2015. I went to Walmart and sent my mother {$310.00} plus {$9.00} thru Money Gram. It is now XXXX,2015 and they wont refund my money nor give my Mother the money I sent to her. I have called continously with no avail and visited Walmart with no avail. MoneyGram employee 's have given me bogus names and agent id numbers and hang up in my face. The only thing I want is my refund. Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: Experian Information Solutions Inc.
State: PA
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:
I was reviewing my credit, and I noticed some companies listed that Ive never did any business with. I did not given anyone permission to do any kind of business with these companies, with that being said I think that my identity has been stolen. I will attach a list of the companies thats on my credit report. I also will attach a copy of my id to verify that this is me reporting this complaint. I also have a FTC report reporting the identity theft. I need this issue to be resolved immediately as this is holding me back from moving forward with providing for my family. Its really making things very difficult for me.

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 2016-08-22
Company: TD BANK US HOLDING COMPANY
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The payments I counted on to meet my budget was confirmed by the bank. It was not until later that I was made aware that the payment had changed to an amount that I can not afford. All documentation that was given to me when I signed the mortgage showed a payment of {$1000.00} And that payment would be barley manageable but I could budget for that amount. The new payment that they are requiring is not affordable. Had I known what this new payment would be before the closing, I would not have signed the loan. 
I do not want to lose my childhood home and am looking for someone to possibly help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: First Data Corporation
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received an alert on my credit report that a hard inquiry was made to my credit report by a company called " First Data Merchant Services ''. I immediately recognized this to be a fraudulent inquiry and attempted to contact First Data to alert them to the fraudulent activity and close the account if one had been opened. I found a customer service phone number and talked to a representative who told me I needed to speak to the Security Department. I was transferred. The call went to voicemail and I left a message explaining the situation and left my phone number. After receiving no call back for XXXX days I called again. Over the next week I called First Data 24 times trying to speak to someone who could address this potential fraudulent activity. I was always referred to the same " security '' desk who never answered the phone and never returned my call. It has been three weeks and i 'm still yet to be contacted. 
This company issues credit card processing machines to merchants. Someone has potentially opened a fraudulent account using my personal info and this company can not or more likely will not contact me to attempt to resolve. As frustrating as identity theft is, it isnt nearly as frustrating as a company like this who gives them the ability to perpetrate then gives no ability to the victimized consumer to address. Furthermore, I was unable to obtain an e-mail or mailing address to either the security department or legal department to send a letter with my concerns. I asked agents as well as their website. Not one email or mailing address is listed on their website. Please address this criminally negligent company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Struggling to pay your bill
Sub-issue: Credit card company won't work with you while you're going through financial hardship

Complaint:
I called Capital One to try to get a settlement on my two credit card accounts, the representative kept saying I didn't qualify for any of their programs but Capital One advertise hardships from XXXX. I explained to the representative not only was I sick but my husband was sick and also had a XXXX XXXX that caused him to have XXXX XXXX  XXXX and I had to be off work to help assist him. Then I ended up having my XXXX removed months later. I then asked her to remove the late payments and waive the late fees, she agreed to remove one late fee and informed me that was all she could do. I stated, '' Capital One is false advertising about the COVID help because you pretty much told me I didn't qualify for your programs when I can prove XXXX was a hindrance. My other credit card companies helped me out without any issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: HYUNDAI CAPITAL AMERICA
State: IL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I called Hyundai Motor Finance to make a payment over the phone since they are unable to take my payment online due to an issue on their end. While speaking with the agent, I informed her that I wanted to make my normal monthly payment of {$230.00}. She took the payment and waived the {$7.00} processing fee due to the issue I was facing online. However, she submitted XXXX payments back-to-back. XXXX for {$230.00} and XXXX for {$230.00}. I NEVER authorized a payment for {$230.00}. I checked my XXXX account this morning and saw the XXXX payments taken out which prompted me to call Hyundai Motor Finance. The gentleman I spoke with said he did not know why the previous rep took XXXX payments but offered to refund me the {$230.00} payment which would take approximately 20 days to receive. I explained that I never authorized the payment for {$230.00} so wanted that XXXX to be refunded. He said he could not because he ca n't refund service fees. I never authorized the {$230.00} payment or the processing/service charge, yet Hyundai Motor Finance refuses to refund that payment. This is highly concerning as I feel I was lied to and their negligence is only costing me my hard earned money. Please contact me so I can have Hyundai Motor Finance investigated for this. I also had an issue during the initial call when I asked them to waive a late fee due to their system issues and they refused. This needs to stop and they need to be penalized for these types of issues. I am a customer of several other financial institutions and have never had these types of issues anywhere else.

Company response to consumer: Closed