BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-06-28
Company: Lendmark Financial Services
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I applied for a personal loan and was denied because of credit factors and score. It said i had no score and they cant determine my eligibility due to my credit worthiness. I sent a letter to notify them of their violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: AFNI INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This letter is being sent to you in regards to the above reference account that AFNI INC has reported and listed on all XXXX major credit reporting agencies ( XXXX, XXXX, and XXXX ). Please be advised that this is not a refusal to pay, but written notice sent in pursuant to the Fair Debt Collection Practices Act, 15USC 1692g Sec. 809 ( b ) that your claim is disputed and Validation is requested. 
This is not a request for " Verification '' or proof of my mailing address, but a request for " Validation '' made pursuant to the above named Title and section. I respectfully request that your offices provide me with competent evidence. 
Please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any documents that show I agreed to pay what you say I owe ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; Provide me with your license numbers and Registered AgentAt this time I will also inform you that if your offices have reported Invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, and XXXX ) this action might constitute Fraud under XXXX federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against AFNI INC for the following : Violation of the Fair Credit reporting Act Violation of the Fair Debt Collection Practices Act Defamation of character

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: CREDIGY USA CORP.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX I bought a vehicle for my children in college the vehicle repossessed XXXX. About XXXX/XXXX/XXXX the debt turn up in the hands of some one called Main Street Acquisition Corp. they in turn hired a firm named XXXX to collect. Since XXXX/XXXX/XXXX I 've been paying anywhere from XXXX to XXXX XXXX XXXX. I feel taken because original creditors sold the vehicle in XXXX. I think I have paid enough on this old debt. Is there any help for me in this matter,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: MARINER FINANCE, LLC
State: KY
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I spoke with the company and let them know I had been severed from my job in XXXX. They said they understood and would work with me. I paid small payments, but then when I was unable to pay in XXXX they began calling me twice a day on weekdays and once a day on the weekend. Then, today they called one of my references. I was two months behind and they became very predatory and made me feel harassed. when I spoke with them today, they claimed they did not have record that I was unemployed and had recieved severance although they admited to sending me the necessary documentation for it. I told them I was contacting CFPB and they said that would turn me over to legal if I did not make a payment by XXXX XXXX. I made a {$200.00} payment, but felt a lot of pressure after their threatening legal and wage garnishment on me. I can provide more documentation ( call logs on my cell phone, my reference contacting me about them calling her, and the paperwork they sent to me when I was unemployed ). This is predatory and unfair.

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 monetary relief
Consumer complaint received 2022-02-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I spotted some discrepancies between reality and what happened in such credit report. Being said that, I did not apply for a Capital One credit card in the last 6 months. So Capital One Inquiry on XX/XX/2022 is not resulting from my personal action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-07
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My loan was sold to Ditech on XXXX XXXX. I immediately started making my payments through my bank bill pay. I make the full monthly payment on or before the XXXX of each month. I also make a mid-month additional " principle only '' payment. Ditech is holding this mid-month payment until the first of the next month. I have called them and I have emailed a detailed request for them to apply my additional principle immediately upon receipt. They wrote me on XXXX XXXX saying that they needed 30 days to investigate and resolve the issue. I just received another letter from them saying they need additional time to review my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have a Chevron/Synchrony Bank credit card. I had auto-pay set up to pay the minimum each month, so that I would n't be late on any payments. XX/XX/2016, I closed the bank account which used to make payments. I logged into my Synchrony account, and updated my payment information to my current bank account, and paid the existing balance on the account, which cleared my bank on XX/XX/2016. 
Today, I received a letter from Synchrony Bank notifying me that they were closing my account due to " a number of dishonored payments. '' I called Synchrony Bank, and they told me that they had tried to make the minimum monthly auto-payments from my old bank account, but that they were returned. These returned payments began XX/XX/2016. 

This is the first notification I have received from them regarding any dishonored payments. I was not notified that there was a problem. If I had known this when it first started, I would have taken care of it immediately. 

I am not really concerned with continuing to use my Chevron credit card. But I am concerned with how this closed account will affect my credit score.

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 2016-02-03
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I was on a princess cruise in our room was a credit card brochure advertising 12 months interest free credit for onboard purchase and future cruise deposit. We applied onboard with cruise specialist who talked us into a future cruise deposit took our deposit and application. When we got home we started getting interest charges from the Barclay card who said the promotion was no longer valid when we opened the account even although it was sold to us under the understanding that the brochure was valid. XXXX says they will inform their staff that it is no longer valid. Barclaycard says too bad. Talk to XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/2016 I bought a product to the company XXXX, I never received this product, I made a dispute to my credit card synchrony bank, my bank responded that the company had given them a tracking number, the Traking number says the product was thrown at the fence door, I never received this package, they are charging me for the package that I never received, I do not hire the packaging company, it is not my responsibility that the product is found Lost, all responsibility is in the company that sent the package and did not require a signature for delivery

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 monetary relief
Consumer complaint received 2016-09-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I called your agency to inquire about possible payment plans and settlements available to me in regards to the unpaid debt. I was very professional and I explained my situation to the agent as to the reason why I had not paid the bill. 

The agency started off professional but the changed once I started asking additional questions about possible payment arrangement/settlements. When I did n't agree to what she was saying she started to get very forceful and aggressive trying to bully me into making a payment. I let her know that I was a XXXX and that I know we could make other arrangements instead of the five year agreement she tried to get me to sign. She refused saying that 's not possible now. She continued to become more harassing. 

She stated she was going to tell your agency that I was refusing to make a payment. I told her no I did not say that I was simply trying to see what I was going to do. She continued to lay into me stating make a payment sarcastically, then she stating you are not going to make a payment, you have not made payment in five years. I replied to the agent I was going to make a payment and before I could finish what I was saying she cut me off. 

I advised the agent that I was going to end the telephone call because I was not going to continue to let her speak to me in that manner. I do n't know what type of business you are running but her agent is violating the Fair Debt Credit Laws. A copy of this letter will be forwarded to them in regards to this matter. 

I called you because I know I owe the money and I am currently paying off other debts. My intention was to work towards paying this one. Your company is the rudest company I ever worked with and I would not use your company at my XXXX. I will make sure that I spread the word. You do n't have to be rude to people because the owe money ; thing happen and people are placed in certain situations ; in most cases it 's out of their control. As a collector, your agents should understand that and become better listeners than screamers.

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 2016-02-23
Company: CITIBANK, N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We contacted a financial advisor at XXXX XXXX who said we qualified for HARP. Our bank, CitiMortgage, said we did n't but could apply for a loan modification which should take 21 days. Our loan has a fixed rate of 4.125 % and we are not behind on payments but both of us are now on XXXX - financial hardship. Even though we gave immediate responses to every document request it took over 4 months for our bank to offer to assist us by lowering our loan by only .125 % to 4 % - but also extending the 20 remaining years to 40 years and adding an escrow account and extra fees. We 'd asked them that very question and were told " we 'd be offered options we could accept or refuse '' so we persisted through those 4 months. Even without doing the math, the interest for 40 years vs 20 would be outrageous, not even counting the extra fees they require. We feel our rights have been violated, that the whole thing was a scam to try to take more money from us when we need relief. Is there grounds to check into a legal case against CitiMortgage? We do not want CitiMortgage to be contacted unless our rights have been violated.

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 2016-11-08
Company: Ridge & Valley Realty, Inc.
State: CO
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:
When I rented from XXXX XXXX, they specifically told me not to complete the property condition report. I paid first months rent, last months rent, plus a deposit. I paid every month on time and I gave them notice I was moving per rental agreement. The damages they claim were already there & were supposed to be repaired but Maintenance refused to give me 24 hour notice & continuously violated my privacy by repeatedly entering the premises. I finally reported this unlawful entry to the police when he attempted to enter after XXXX. I have never been sued for these damages & there is no judgment stating I am liable because there is no proof these damages were caused by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
My name is XXXX XXXX and I 'm having trouble with Sychrony financial as far as my credit goes I have always made my payments on time maybe a couple days late but never exceed the 30 day limit however this bank has been destroying my good credit history by adding 30 day past due limits which I have never done as well as increasing my due balance which I was close to pay off and they increased my balance to more than double I reported them to the XXXX when this occurred they were obligated to putt my balance back to the usual immediately however this resulted in a decrease over more than XXXX points for some reason they have been damaging my credit drastically since I 've been with them I 'm seeking help to restore my points that have been taken away for no reasonable explanation

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 2016-10-06
Company: CCS Financial Services, Inc.
State: KY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have no knowledge of this debt nor the company who 's trying to collect on it. I receive a copy of my free annual report an that 's I I notice this negative idea that 's bring my score down tremendously!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Blitt and Gaines, P.C.
State: IL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I took out a XXXX loan in XXXX as part of my student loan packageto attend XXXX school. Following completion XXXX, the great recession hit and I struggled to find work and eventually landed a job that required me to take a pay cut from my previous career XXXX. 

I fell behind in my payments and my loan fell into default. 

After a few years of struggle and penny pinching, I successfully rehabilitated my student loans ( and paid off $ XXXX in credit card debt ). 

For some reason, this loan was ineligible to be rehabilitated. The University sold this loan to an agency who then sold it to a collections firm. Since XXXX, the collections firm has filed suit against me to demand payment on the loan. I have sent payments over the years but the collection agency refused to issue me anything in writing. I consolidated my federal loans in XXXX of this year and put to include this XXXX loan in the consolidation. At this same time, the collection firm stopped auto withdrawls from my bank account. 

Without ANY notice, emails or letters, the firm seized my bank account claiming I had not made payments. Apparently, after they filed suit on me in XXXX ( to which I responded by setting up a payment arrangement ), THEY went to court and did not tell the judge about the payment arrangement ( they told me I did not need to go to court ) and a default judgement was entered against me. 

When I recently went to remove the bank lien. The law firm/ collection agency agreed, in front of the judge, under oath, to set up a payment arrangement. 

WHen I called a few days later to begin setting up the payments, I was told that they would not set up a payment plan and demanded the money in full. I do not have that kind of money so I asked them what payment plan would be accaptable and they requested an amount that was over 30 % of my take home pay. I asked them to work with me and they refused -- telling me to go borrow money from friends or get a bank loan. 
I filed a complaint with my XXXX and within 24 hours, the firm ( using the XXXX judgement ) sent a letter to my employer demanding garnishment of my wages. 

The firm, on several occasions, lied to the judge about their communications with me and refused to work with me. I do n't understand why this Federal loan was excluded from my right to rehabilitate in the first place.

Company response to consumer: Closed
Consumer complaint received 2016-01-27
Company: JPMORGAN CHASE & CO.
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
After receiving an email from Chase, I called to close a dormant CD ( from interest they did not provide at cd closure ). The representative told me he was unable to close my account, but could transfer it to my savings account and I could go into a branch to close it. I told him I did not have a savings account and he said yes I did and confirmed that my name and my social was on a savings account. I explained this was strange, but agreed. I then went into the branch XX/XX/XXXX to close the savings account, only to find someone else had already withdrawn the money as there were other UN-known customers also on the savings account?? When the representative pulled the signature card they found that I was not officially listed on the savings account ( only in the computer ) -- and that in some merger with Bank One my name had been electronically added to this savings account in error. He did confirm the CD where the funds came from was solely my account, but the savings that they transferred my funds into had others on it -- and I had been added to the account in the bank error. So admittedly they had given my money to another customer! 

Understanding how confusing this was agreed to leave the branch, giving them time to figure it out. It is now XX/XX/XXXX, over 2 entire weeks later and I still have no answers and no money. They finally took the branch out of the loop and gave me an executive representative, who left me a voicemail and I have called back twice on different days now with no return call back so we have yet to even speak after 3 more days now. I feel I have been more than patient in giving the bank more than two weeks to figure out the bank error, but at this point feel I am being taken advantage of. 

It has already been confirmed the CD was solely in my social security number ( and have received XXXX ) and that the savings account my funds were placed into was not mine and not withdrawn by me. This is clearly bank error, and admittedly so by the branch, I do not understand what is taking so long to gain access to my funds. Very frustrating by getting absolutely no attention whatsoever by the bank even after I had it escalated. So very scary that their system has added me to an account that I 'm not on and if crooked could have accessed?? Chase has given my money to someone else and are not willing to fix their error. Help me, this is unfair!!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-08
Company: JPMORGAN CHASE & CO.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
XXXX XXXX XXXX XXXX, XXXX XXXX, Said, That they would be delivering Papers to My Job Or Home, Calling from This Number XXXX, Calling by Married Name, Have n't Used in 19yrs Cursing at me, And Threatening Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
I signed up for a XXXX Rewards Card through Chase. My reason for signing up was Chase 's promotion that if you spend {$3000.00} in the first three months you will get XXXX reward points. However, before signing up I noticed an {$85.00} annual fee, but their own website says {$0.00} introductory annual fee, then {$85.00}. 

The material from Chase 's website is attached. However, instead of waiting a year to be charged this annual fee it was assessed to me immediately. This is misleading and false advertising. I would have no issue paying the {$85.00} fee after I have the card for a year, but instead I will be charged XXXX annual fees in XXXX year. I attempted to resolve this informally with Chase, but they ignored my request. 

I actually like Chase, but this is XXXX time in XXXX months I have had to submit a Complaint for various interest/fee charges on Chase Credit Cards.Each time I have attempted to resolve it informally with Chase, but nothing was done and I filed a report with CFPB. I am an attorney California Bar # XXXX and although {$85.00} is not the end of the world this is deceptive marketing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Delinquent account

Complaint:
I have always had a good credit, until I 've had issues with Banana Republic credit card. There has been issues with BR reporting to XXXX credit reporting agencies without my knowledge. I 've been delinquent on my account, the reason being is I set up an automatic payment, but for some reason it did not work. I have n't checked my account in several months assuming automatic payment would be posted each month. Since the payment did not post due to the failure of automatic payment, BR reported my delinquency without contacting me first to resolve the issue. Once I found out about the issue I immediately made a full payment on my account and do n't have any outstanding charges.

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