BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-20
Company: CAINE & WEINER COMPANY, INC.
State: FL
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:
Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I attempted to make a payment using XXXX who without my permission established a credit line for me and made a hard inquiry to Equifax without my permission and XXXX notified me that they put that inquiry on my credit report without my permission and told me they are unable to remove it without XXXX telling them to. In turn XXXX tells me there is nothing they can do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: MARINER FINANCE, LLC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off the balance on the mortgage with CitiMortgage , Inc. on XX/XX/2016. I later found out that they overcharged {$2900.00}. When I complained, they only refunded {$1800.00} with a {$1000.00} remaining. I 've called and written three time, but they are not responding to my complaints of the balance due back 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 2017-05-24
Company: CITIBANK, N.A.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My credit report shows that I owe CBNA ( it looks like this is my Best Buy credit card ) when I paid the FULL balance a few months ago. It shows I owe  XXXX  when the account balance is {$0.00} so I 'm just confused why this is showing up incorrectly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: Pendrick Capital Partners Holding, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This debt was wrote off and paid. I have no contract with this company and do not owe this debt. I requested verification and received nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
American Express has called my sister and disclosed that I am behind on my debt. I 've already submitted a complaint for that. They 've also called my former roommate twice, XXXX XXXX. The first time he asked that they do not call him. They 've called twice so far. I am in a debt settlement program with XXXX. They told me they can only call once, and that it is illegal to call more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-25
Company: EQUIFAX, INC.
State: GA
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:
On  XXXX   XXXX ,  2017 ,  XXXX  requested a copy of my Credit Report without my permission. I wrote a certified letter to  XXXX  but they did not reply. I disputed the request with EQUIFAX but no changes made to my Credit Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX recent credit inquiries appear on my credit report with Equifax without my knowledge or authorization. XXXX and XXXX did not have any verbal or written authorization to check my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have disputed this account several times The following is a list of incomplete inaccurate information contained in XXXX account XXXX. 

1. Payment history is inaccurate and incomplete.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: DISCOVER BANK
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I 've applied for a checking account wi th Discover four times now, and each time I was denied. Discover is refusing to tell me why, and refers me to   XXXX   XXXX  .   XXXX   XXXX   has no information to provide me, and refers me back to Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Wanted to add more info reguarding my complaint on EXPERIAN REPORTING AGENCY HERE IS COPYS OF ALL MY CERTIFIED MAIL RECEIPT THAT I HAVE SENT THEM ASKING FOR THE FCRA SECTION 609 INFO AND AS YOU CAN SEE THEY HAVE FAIL TO COMPLY..

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 2015-10-08
Company: High Point Asset Inc
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Recorded message that I am a " person of interest '' and that I or my legal representative must contact them immediately about a time sensitive matter. Internet search implies this phone number is from " Highpoint Asset '' as a debt collection company. This is a scam call and I am blocking this number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: Avant Credit Corporation
State: PA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I believe this lender is discriminating on the basis of the source of my income as a government employee, and discriminating on the basis of having previously been a bankrupt borrower more than three years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: U.S. BANCORP
State: KS
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
US Bank bumped up their overdraft fees on their checking accounts. At around the same time, they began marketing a US Bank Credit Card to customers to open so they can get a lower fee on any overdrafts if they were to occur. What a XXXX! You are bumping up the fees and then trying to get your customers to take out a line of credit they may not necessarily need. You need to stop using XXXX XXXX as your mentor.

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 2015-03-19
Company: Diversified Adjustment Service, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Call from ( XXXX ) XXXX Diversified Adjustment seeking XXXX XXXX. Diversified purchased bad debt or bad contact information from XXXX XXXX. Call from ( XXXX ) XXXX, I explained debt is not mine. Lady got rude when I refused to answer her questions about me. Told her do not call again. Subsequently received an automated call from ( XXXX ) XXXX seeking XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: Garcadia Financial LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
On  XXXX / XXXX /  XXXX    Foursight Capital took two  payments out of my bank account instead of the  one monthly payment I setu p and got a confirmation for. They severely overdraft my bank account. I reached ou t to Foursight and they acknowledged that multiple customers had the exact same thing happen to them. The want m y bank  XXXX   XXXX  to fix the issue.  XXXX   XXXX  stated it will take 90 days to fix the issue. This is unacceptable.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: SYNCHRONY FINANCIAL
State: IL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
We recently tried to move {$30000.00} of our college savings for my daughter to Synchrony Bank, but have found Synchrony to be very unfair and deceptive in their process. After a month, they have yet to open the account or begin paying interest. I have called them several times and continue to get different excuses each time I call. One person ( XXXX ) suggested in his message that we endorsed the check wrong. ( But when we call him back during his supposed work hours, he never answers the phone and he never returns our call. ) Another said the system had timed out and I needed to start the process over. And a third suggested that maybe it was because my daughter did n't have a credit history. ( I tried to apply before she turned XXXX, but Synchrony descriminated against minors and refused to allow us to apply. ) I 've tried to call Synchrony at least 10 times and they rarely return my calls and when they do, they call when we 're at work so they do n't have to talk to us. 

This all started when I started the application on XXXX XXXX, 2016. At the end of the process, Synchrony 's system responded " Thank you for your interest in opening a Synchrony Bank account. We 're working on your application. If we need additional information, we 'll contact you within 3 business days. If you have any questions please call us at XXXX. Account opening ID : XXXX. '' Having heard no concerns after 3 days, we withdrew the money from our credit union and mailed it to Synchrony ( so it was a bank check, not a personal check ). Since that time, they have n't opened the account and wo n't give us a straight answer as to why or what they need to resolve the problem. I 've tried to escalate to a member of management, but they do everything possible to not escalate. They are very resistant and will only give in after the customer gets angry. When I finally got the call escalated to XXXX, I thought maybe I was getting somewhere. But then she did n't return my call either and was careful not to provide her full name or phone number. 

They are also abusing the process by keeping our check and not returning it so that we can go to a different Bank that really wants our business. We 've lost nearly a month 's interest, not to mention the time for all of these calls and now this complaint just to try to get our money back. 

Last week, I left XXXX yet another voice mail sharing my expectation that the funds were back in my hands by the end of the week. I received neither a response nor the check. When I called today, they insisted that I explain the whole thing over again. I had to again get angry to get the call escalated, but then XXXX response was more excuses and to blame me for not calling the right area of the bank. 

This is probably the worst service I 've ever received from a bank. Please help me get my money back from Synchony and stop them from abusing other customers this way!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Other

Complaint:
Synchrony Bank/Care Credit is committing fraud by listing on my credit report that my account was purchased by a lender. The " lender '' they state they sold it to is XXXX, a.k.a. XXXX XXXX XXXX which is a collection agency who is also committing fraud by listing their account on my credit report as a " retail '' company. They are also trying to list the account to XXXX CA as a charge off and to the other as transferred/sold. They are intentionally reporting inconsistent and inaccurate information to the credit reporting agencies.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Paypal Holdings, Inc
State: MN
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Shopping for a line of credit

Complaint:
Paypal XXXX pulled my credit without my authorization on XXXX XXXX, 2014 resulting in a hard pull with XXXX. This inqueries is hurt my credit rating. Also I was signed up for PayPay credit line without my consent. I never applied for a credit line, this was never authorized and I never plan to use paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-26
Company: Payfare International Inc.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
The new card sent from the company was sent to the wrong address and I was being charged alot of unauthorized transactions on my account while not having the card in my possesion. All transactions from XX/XX/XXXX up to XX/XX/XXXX are all unauthorized. I contacted the company already and haven't gotten any response. It all started from XX/XX/XXXX all the way up to XX/XX/XXXX. All my money is gone and I need that money. Below I attached all the unauthorized transactions that I did not get a credit for and all the one 's that occur this month. The name of the merchants/company charging my account are XXXX all the transactions from XX/XX/XXXX up to XX/XX/XXXX. I still do not have access to my money and the card they were supposed to sent to me and I was charged without my knowledge. The total unauthorized charges on my account is {$4300.00} including the new ones and the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One has engaged in false business practices, which constitutes fraud. 
They maintain that their APR is in line with their fellow competitors, but that is simply not the case. Their XXXX credit card rate is much higher than : XXXX, XXXX, and XXXX. 
Therefore I feel they are guilty of deceptive business practices and corporate greed. 
Also, I have been waiting for them to send me their version of a chip credit card, since XXXX of 2015. Why are they so neglectful in taking care of their aforementioned client?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: TRANSWORLD SYSTEMS INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from Transworld Systems Inc. trying to collect {$56.00} from me from The City of XXXX XXXX Fire Department. I called Transworld and asked what the alleged debt was. The " customer service '' rep was extremely rude and could not even tell me why I owed the amount. I called the City of XXXX XXXX Fire Department and they said they were collecting on an amount that I already paid. No one will correct the situation even though I paid the original amount of {$24.00}. Now they are trying to collect an fabricated number that I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: Debt Recovery Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After discovering a recent negative account added to my credit file, I contacted the Debt Recovery Solutions company located in XXXX XXXX inquiring about the account. I was informed it was a physician bill from XXXX years ago. I challenged that I would owe a physician {$630.00} as I have always had insurance and asked for proof. After XXXX weeks, I called a XXXX time stating I did not receive the requested information. The lady was very rude, overtalking me and I had to ask her to let me finish my sentences. I informed her that I would be researching the validity of the account and asked what the discount would be for me to pay it, if it is found valid. I was informed that {$530.00} would be accepted. After contacting XXXX XXXX XXXX XXXX XXXX XXXX ( my insurance provider for the last XXXX years ), they stated the physician, XXXX XXXX, never filed a claim for rendered services. The fact that their office did not file a claim to my insurance company, within XXXX months of service as allowed, can not leave me liable for the fees charged. Furthermore, I never received a notice of collection prior to this appearing on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: Capital Management Services, LP
State: FL
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:
A lady claiming to be named XXXX from Capital Management ( XXXX contacted an associate of mine claiming I had given them their name and phone # as a contact. 

I have never given this persons name and phone number to anyone and I have no idea who Capital Management is. 

I want these people to cease and desist harassing both me and my friends.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-26
Company: EQUIFAX, INC.
State: GA
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: Investigation took more than 30 days

Complaint:
CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: JPMORGAN CHASE & CO.
State: NY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
We need Legal Forms For Constitional Laws Business and Cooperates complaints on businesses must be made. We have the $ amount that we are paying. Send asap the fees to this company. I have credit card and am awaiting For the money to be released from www.chase.com

Company response to consumer: Closed
Consumer complaint received 2021-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Portfolio Recovery Associates, LLC ( Debt Collector ) XX/XX/XXXX, {$2600.00}, I disputed this charge but it was sent to a credit collection bureau named Portfolio Recovery Associates, LLC and its not being removed on my credit report. 


XXXX XXXX XXXX  XXXX Credit Card ) XX/XX/XXXX, XX/XX/XXXX, {$1100.00}, I disputed this charge but they want me to pay when this wasn't my debt either this charge won't come off my credit repot either.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
XXXX XXXX did 3 time hard inquiries. 

XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX XXXX, VA 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 2017-03-31
Company: MOHELA
State: SC
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:
MOHELA continues to find ways to extend loans by using recalculations. Example I pay off a loan, incidentally all my loans get a little extra payment from that months auto debit. They then recalculate my payment amount based on this current paid ahead account status. I end up with a lower overall payment but they ensure they get their 120th payment. Level repayment should mean level repayment. They have the audacity to say that my loans on a ten year plan may require a large payment to satisfy the terms of my loan at the end, I pay nearly 8k extra every year. -typed on iPhone

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: Receivables Management Partners, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have disputed this account twice, I have not had services from this creditor in at least ten years. So even if it was XXXX of my old bills, it is past the statute of limitations in Illinois to be on my credit report. But, it is not my bill.

Company response to consumer: Closed with explanation