BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-23
Company: First National Collection Bureau, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
there are XXXX accounts that are being reported incorrectly and have been under investigation for over 90 days XXXX bank account # XXXX says under investigation for over 90 days federal bankruptcy account number XXXX says under investigation for over 90 days

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In XX/XX/2022 I applied via XXXX. I asked for my previously denied payments to be accepted. I was denied again. Payment plan FedLoan set up for me ( IDRP ) was impossible to pay. My income was decent for US standards, but I live in NYC with XXXX kids.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-20
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # 's XXXX ( XXXX ), XXXX ( XXXX  XXXX ), XXXX ( XXXX XXXX XXXX  ), XXXX ( XXXX XXXX  ), XXXX ( XXXX XXXX ), has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company 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 2015-09-17
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The collections agency received my account and everything was fine. They even offered to delete the account from my record as if it was never there if I paid the debt. However, after paying the debt, I could not get a copy of a letter saying it was paid. Recently, I ran my credit and not only is the file still on my report, but it is still marked as unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: High Point Asset Inc
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got an online loan through the company XXXX and paid off my debt. My wife got a a call from High Point Asset Inc, saying that I owe a debt. They disclosed all my personal information to my wife without my consent, said that they would call the police on me, and said they would prefer that I pay them with a pre-paid card. My wife asked them to send me a verification of debt through XXXX XXXX, which they did. The verification of debt did not have an original account number for my loan, their address of the business is a XXXX, my apartment number was n't listed, and did not include information about my rights under the federal Fair Debt Collection Practices Act. Also, the company they are collecting for is no longer in business and XXXX has listed that the former lawyer be called if another debt collection company tries to collect on their behalf. I have proof that my debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: BB&T CORPORATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: ERC
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
Enhanced Recovery Co L : Constantly calls on a false debt collection and the amount continually changes with each call. I want this false debt collection off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Freedom Mortgage Company
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I did not receive a statement notification via email from my mortgage company, Freedom Mortgage for XXXX ( due XX/XX/XXXX ) so I logged into my account online to see if I could view it there and was unable to. It only showed statement through XXXX. So I called them on XX/XX/XXXX to find out why I couldn't view my statement. I was told there was a problem with how my XXXX payment was posted and that's why no statement was generated for XXXX. That made no sense to me. I would think that my mortgage statement for XXXX would still generate and show either a missed payment or misapplied payment. The rep I spoke to told me she fixed the problem and I should be able to view my XXXX statement by the next business day - XX/XX/XXXX. On the XXXX I still could not view the XXXX statement and sent a message to the company via the website letting them know I would file a complaint if I could not view my statement by today. As of today, XX/XX/XXXX, I still can not view the XXXX statement online AND the company assessed me a late fee of {$48.00}! I went ahead and made my XXXX payment {$1400.00} online today and did not pay the late fee since I don't feel I owe that. I have held a mortgage with Freedom for 6 years and never missed a payment or made a payment late or been unable to receive or view my monthly statement. I don't know why they are unable to resolve a simple request for a statement and fix whatever problem they caused by not applying my XXXX payment correctly. The rep I spoke to didn't fix the problem. Also, when I called in on XX/XX/XXXX, I made a request electronically to provide feedback after the call. When the call ended the company called me and indicated I should press 1 to give feedback When I tried to do so, it disconnected. This is horrible customer service!

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 2015-05-27
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I submitted my dispute to Equifax and they stated they would not investigate it. I then get a letter requesting information I had provided previously. They still have yet to initiate the dispute which was submitted on XXXX XXXX. It has now been XXXX days they have only XXXX left to complete the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Convenience checks

Complaint:
On XX/XX/2016, I checked my credit card account online after receiving an email regarding my balance almost hitting its max. When I checked online, I notice that convenience checks were cashed on my account. I contacted the credit card company to dispute the transactions. I also advised them that I do not wish to opt-in to receiving those checks as I have never used them. They advised that they would opt me out and it would take 60 days. Today I received convenience checks in the mail again more than 60 days after I requested it to be stopped. The company has not followed through with protecting me from being a victim or protecting my account from being compromised. This makes no sense that a company would allow its customers to be compromised for a second time after they requested them to stop sending checks.

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 2015-05-07
Company: USA DISCOUNTERS LTD
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I received a loan from US Discounters ( now referred to as USA Living ) in XX/XX/XXXX, I also purchased a debt protection plan, I was discharged from XXXX XXXX and became XXXX to work in XX/XX/XXXX, the company did n't has n't properly granted me relief of the debt under the debt protection clause I purchased with loan. The company is reporting a collection suit on my credit report for a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: DISCOVER BANK
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, CA - XXXX Discover XXXX XXXX XXXX, XXXX, DE XXXX XXXX : Unauthorized Credit Inquiry SSN # XXXX XX/XX/XXXX / XX/XX/XXXX / XX/XX/XXXX Dear Discover, I recently received a copy of my XXXX credit report. The credit report showed a XXXX credit inquiry 's by your company that I do not recall authorizing. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent this letter certified mail because I need your prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, and then please send me proof of this. 
Thanking you in advance, ... ... ... ... ... ... ... ... ... ... ... ... ... .. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: VANDYK MORTGAGE CORPORATION
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was issued a mortgage with VanDyk Mortgage in XXXX 2015. In XXXX 2015, I submitted my first mortgage payment and have been submitting on-time payments since. After 3 months, I noticed that my mortgage had not been reported to any credit bureaus, so I contacted VanDyk Mortgage to find out why the mortgage had not been reported and no one could provide an answer. I emailed a representative a written request to have my mortgage reported and it still has not been done. I have made several attempts to rectify this situation and after 9 months, it has still yet to be rectified.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: DISCOVER BANK
State: CT
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
My credit line with Discover was lowered from XXXX to XXXX not too long ago, they claim a recent review of account/credit score is the reason for their decision. However, the account has been paid on time and never over limit since opening and if anything, the credit line should have increased. At the time of supposed review, the account was paid off with a XXXX balance. Please note, at time of account opening the agreement did not state I needed to maintain a certain credit score in order to keep the XXXX credit line. Please do not mark this as duplicate as there is additional information not previously disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I just need to temporarily un-freeze my credit report for a credit check. I can not get through to them on line or via telephone. On line refers me to the phone and the phone gets into a XXXX XXXX  that eventually stymies the caller with an obscure question that requires research. I have filed a complaint with them but they have not responded beyond giving me a complaint number. It is enormously frustrating and I don't know what to do. I have very good credit but people won't know from Equifax. 
How can it be that a private company, having been breached, then spends years penalizing the very people they screwed in the first place?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Late fee

Complaint:
First let me state this company ( Synchrony Financial ) has XXXX complaints at the XXXX. 
For years I have been a customer of Rooms to Go. I have automatically sent the same payment each month and I try to pay the amount early so I am sure not to have a late fee charged to my account. My account was paid off in XX/XX/XXXX. I purchased more furniture from Rooms To Go on XX/XX/XXXX for {$1800.00}. The payment set up by Synchrony is due on the XXXX of every month. I immediately sent a payment of {$100.00} ( even though the minimum was {$52.00} ) for the XXXX statement due on XXXX. It was posted on XXXX/XXXX for the XXXX due date. The next payment of {$100.00} I sent early and it posted on XX/XX/XXXX for the XXXX due date. The next {$100.00} payment was posted on XXXX for the XXXX due date. However, I was charged a {$25.00} late fee even though I paid the XXXX payment on XXXX. The next {$100.00} was posted on XXXX for the XXXX due date. I was charged a {$35.00} late fee. The next payment {$100.00} was posted on XXXX for the XXXX due date. I again was charged a late fee. The next {$100.00} posted on XXXX for the XXXX due date. The next {$100.00} was posted on XXXX for the XXXX due date. When I found out I had been charged {$95.00} plus {$2.00} interest in late fees I contacted Synchrony to discuss this issue. I was told I had made a late payment in XXXX ( which was paid early ) and the late fee was taken out of my payment which resulted in the next payment being less than minimum. So I was again charged a {$35.00} late fee. The following is a summary of my recent transactions and payments for my Rooms to Go account with Synchrony : XX/XX/XXXX XXXX BALANCE XX/XX/XXXX purchase of Furniture {$1800.00} with {$1700.00} financed. Statements were emailed with no paper statements received. 
The following are payments posted by Synchrony:XXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE Charged $ XXXXXXXX/XXXX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX purchase of Furniture $ XXXX {$100.00} payment ( due XXXX ) minimum payment due was $ XXXX LATE FEE CHARGED $ XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX {$100.00} payment ( due XXXX ) XX/XX/XXXX LATE FEE CHARGED $ XXXX Interest charged $ XXXXWhen I finally was able to talk with a " real person '' in customer service, he could not understand my complaint but stated he would refund {$35.00}. I explained that no one ever called me to ask about late payments and my payments were paid on time every month and many times earlier than the deadline. I also explained the statements were all emailed and some never got to my email account but my payment was always made on time. However, he still stated he could only adjust my account {$35.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony Finacial fraudulently file a XXXX with the IRS alleging that they had forgiven a debt on my behalf in the amount of {$700.00}. I at no time had any consumer debt credit card or any Financial obligation that was owed to synchrony financial. I am not sure what type of loan they alleging was owed as I have never had any Financial relationship with them. I have called the number on the XXXX ( XXXX ) XXXX to be left on hold with no answer. According to the XXXX their Federal identification number is XXXX. Please note I was notified by the Office of personel that my identity was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: Rent Recovery Solutions
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am writing about an apartment complex that inflated the amount that was owed to them and refuses to remove the debt from my credit report after I have disputed multiple times, I have also sent original email proving that there was a discrepancy before the account was ever placed in collection and they still refuse to remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: Dovenmuehle Mortgage, Inc.
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Miss appropriated payments : My wife and I have a mortgage on our house in Oregon that we purchased with a XXXX. It is being processed by Dovenmuehle. XXXX describes Dovenmuehle as a trusted third party. 
After about 2 1/2 years on the 15 year mortgage, and numerous disappointing experiences with Dovenmuehle customer service, my wife and I decided to pay off the mortgage early so we do n't have to deal with this dishonest and discourteous company any further. We have been sending in additional payments marked " Principal Only '' on a regular basis, every two weeks, and also larger amounts occasionally, when we can. 
Numerous times the " Principal Only '' payment is not posted to principal even though we have done what both institutions ask. The payments go to " XXXX - PRINCIPAL ONLY '' Our regular monthly payments have never been late. Our last payment of { {$1900.00} } was once again applied wrong. It was applied as an additional monthly payment instead of a payment to principal. This despite the facts that XXXX takes this money directly out of my account and sends it to the Dovenmuehle address for payments to principal. There is actually no physical check, the payments between XXXX and Dovenmuehle are electronic using the XXXX Bill Pay. 
I would like compensation for additional interest charged because of this intentional and repeated misappropriation of funds. 
I would also like compensation for the 17 hours and 20 minutes spent on the phone in the past 6 months trying to get Dovenmuehle to credit payments correctly. 
I am not the only customer with this complaint. Please refer to Complaint ID XXXX and XXXX. This is not an isolated incident. This is intentional misconduct and I request you fine XXXX and Dovenmuehle for willful disregard of banking regulations. I also request that The Consumer Financial Protection Bureau audit all loans serviced by Dovenmuehle for similar misconduct.

Company response to consumer: Closed with explanation