BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-29
Company: Shellpoint Partners, LLC
State: WI
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Began calling monthly about 5 months ago. Payment is due on the XXXX and statements are normally received that day or after and mailed immediately. They refuse to send the statement earlier requesting payment be made by phone or Internet for a fee. Payments have never been past the XXXX grace yet they continue to call. Called me at work this month and I told them I was reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: Kriya Capital, LLC
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I informed the agency contacting me regarding said debt that the debt balance was incorrect! I advised them of such in less than 2 weeks they turned around and simply send me a form letter saying the debt is valid without confirming or checking with the creditor at all! I informed them in writing on knowing that they were simply sending me a form letter without checking out my dispute! They then sent me another letter acknowledging my dilute! Five days later they send me the same form letter again saying this was a valid debt! Again violating the FDCPA. This company in question is Credence Resource Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX TX 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 2016-04-26
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:
MY PAYMENTS IS DUE AD THEY ALL 3 TIMES BEFORE NOON EVEN AFTER YOU TELL THEM YOU WILL ALL BACK THEY ALL AGAIN AND AGAIN AND AGAIN, YOU ALSO TELL THEM YOU WILL PAY BY A CERTAIN TIME OR A CERTAIN DAY AND THEY SAID OK AND ALL YOU THE SAME DAY. I HAVE RECEIVE A TOTAL OF XXXX CALLS IN THE LAST WEEK FROM THE SAME PEOPLE I AM NOT I COLLECTION WITH THEM I DO OWE THEM I AM NOT SKIPPING OUT ON THEM THEY ARE GETTING PAID I WANT THE CALLS TO STOP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I opened a Care Credit account XX/XX/XXXX and closed the account XX/XX/XXXX. I still have an outstanding balance and will be continuing to make payments until balance paid off. My issue is that when I opened account when I was working at a XXXX and put it in my name, XXXX XXXX and put my boyfriend at the time, XXXX XXXX XXXX, as an authorized user. When I closed the account XX/XX/XXXX they had told me that XXXX was on the account as a joint user and that is not the way I intended to open the account. XXXX has a Care Credit account of his own already. This account that I opened was just to be used for our dog who was being treating for XXXX. at the time. XXXX XXXX XXXX has NEVER authorized to be a joint user on the account.. I have made numerous attempts to have his name removed with no cooperation from Care Credit. My boyfriend and are no longer together and XX/XX/XXXX I called them asking if I could make a payment arrangement due to a financial hardship I told them I could make a XXXX dollar payment XX/XX/XXXX. They agreed but unfortunately they just made it where I missed two payments and was charged penalties and late fees and in turn It effected my boyfriends credit because he is still on the account as a joint user! I am not even wanting to fight the late fees and penlties right now all I am just asking that his name finally be removed and a letter stating that he NEVER authorized to be a joint user on this account. He is trying right now to purchase a home and this is hindering his ability to do so. He was NEVER suppose to be put on as a joint user only an authorized user and he is extremely upset now because of this issue. I have attempted many times to have it removed but never any corroperation. All I want is his name REMOVED and a statement saying he never authorized to be on this account period! I hope and pray you can help me. I will continue to pay this balance off on my own and now the account has been closed so I wo n't have any further charges made. I honestly would never open a Care Credit account again because they seriously do not care about the well being of their customer. It is a shame because I have worked in the veterinary field for over 20 years and have recommended Care Credit to many clients but I had no idea they would have no customer support if there was an issue with their account.. The worst customer support I have even experienced. Feeling hopeful we can get some resolve. the Consumer Financial Protection Agency has been nothing but kind and understating. Thank you for the help and support. 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 non-monetary relief
Consumer complaint received 2015-09-28
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
The Barclay card services XXXX XXXX XXXX XXXX withdrew funds from my checking account via Electronic Funds Transfer with out authorization. When I confronted the Barclay card Services, they stated that someone with IP addresses from XXXX XXXX and XXXX Utah gave permission to do so. I and my band XXXX XXXX filled an investigation into the matter and I was found without fault. I was told to file a stolen identity report with the credit bureau and the police department. I filed the reports with the agencies and then wrote the Barclay card services in regards to the time I spent doing this and asked them for the IP addresses so that I could give them to the police for further investigation. It is in my belief that this is part of the XXXX XXXX indemnification of their customers. I never received a letter in return regarding my Identity thief and believe that this is a form of discrimination and consumer abuse. I have continued to make payment on the credit card, but believe I am entitled to relief for all the time and banking processing that I have suffered do to the security of the Barclay Card Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
during 2014 I purchased some window treatments from JC Penney company and returned the entire purchase. the store employee was new to JC Penney and did not know how to process a return in the store. After nearly 50 minutes at the store cash register she told us that her manager was not working today, but she would process the return for me and she issued via the cash register a return receipt for the amount I was owed. 
Nearly one year later XXXX XXXX contacted me by phone ask me to pay the JCPenney bill for less than {$300.00}. I asked them to send me a copy of the transaction from the store. They sent me in the mail a copy their internal document that simply stated that I owed them less than {$300.00}, but none of the documentation included actual store receipt from JC Penney or an itemized document of purchase. 
Since I have over a XXXX credit score it is highly unlikely that I owe this amount that XXXX XXXX is calling me every day at least 6 times a day ( I have saved all of the messages from them over the last 6 months ). 
clearly under the new guidelines that the CFPB has established for debt collectors it seems that XXXX XXXX is in violation of these new Federal Statues. They also simply are not willing to document the debt they are trying to collect from me and if the debt was correct I would pay this small amount. I never received an monthly statement from JC Penney that shows I owe any money to them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I was contacted by Capital One, stating that my credit card information had been compromised and that they would need to cancel my current card and issue another. I asked them where my data had been compromised and they are refusing to tell me. I feel that as a consumer I have a right to know so that I can make my own decisions as to what steps I might take personally to help protect my information. For example, if it was a vendor that I have autopay set up with, perhaps I 'd prefer to not place my card with that vendor again. It would be like the police know who took a joy ride in my car but they wo n't tell me who it was. It would appear that Capital One is protecting a major merchant, processor or themselves from embarrassment but not the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: SYNCHRONY FINANCIAL
State: DC
Product: Credit card
Issue: Late fee

Complaint:
I have XXXX late payment notices on my credit report dating back to XXXX and XXXX XXXX, both from PayPal. I would like the company to erase those late payments, and pay me back the interest fees I was charged for late payments on their 'Smart Connect ' account. 

I have been a customer since XXXX and the XXXX late payments occurred because I was unaware of ever having signed up for their 'Smart Connect ' credit option, and also did not know that it was my default payment method when making transactions through PayPal. I rarely used PayPal from XXXX and when I started using it again in late XXXX is when I started running into trouble. 

Having connected my checking account to my PayPal I assumed that these transactions would be taken out of my checking account for no additional charge. It did n't occur to me that there was another account working just like a credit card that this money would be taken out of. 

The first time I noticed is when I received a phone call from PayPal in XXXX of XXXX with a voice telling me that I was late making my payment but that he could take care of that for me over the phone. Still confused why I had a minus on my PayPal account I took care of the matter over the phone, only to receive the same phone call again after the second late payment in XXXX. 

Only then did I realize that this entire time my purchases were coming out of the Smart Connect account, and that I had acquired dozens of dollars in interest fees, not to mention my XXXX late payments on my otherwise unblemished credit report. 

I realize that this is partly my fault because I could have been more careful and logged into PayPal 's website to make sure everything was working correctly. The reason why I 'm writing now is because I heard that PayPal settled with CFPB over {$25.00} XXXX because a lot of consumers had the same problem as me, not being completely aware of Smart Connect and that it was the default payment method. 

I called PayPal on XXXX XXXX, XXXX to ask if they could kindly remove the XXXX late payments, and after speaking to his supervisor the employee on the phone told me that was n't doable because it was such a long time ago. 

On PayPal 's website I 'm unable to see the statements of my Smart Connect account and therefore can not quantify how many interest fees I had to pay because of late payments. Therefore I would like PayPal to send me statements connected to my Smart Connect account from XXXX XXXX to XXXX XXXX. It is possible to view the activity on my regular PayPal account so it should be possible to do the same with my Smart Connect account. 

Thank you very much, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-13
Company: Navient Solutions, LLC.
State: KY
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 have been stuck in an interest loop with Navient for 2 years ( I started paying on my large loans after consolidating them through XXXX XXXX, which then turned into Navient ). My accrued forbearance interest is XXXX, ( this accumulated because I did not have the money to start making payments on my loans when I graduated at first, XXXX was my servicer at the time and they claimed putting it in forbearance would be appropriate because I could n't make less than a XXXX $ monthly payment, there were no repayment options for me at that time. ). Now I am gaining daily interest on my principal balance which is around XXXX, where in my " repayment plan '' payment is barely covering the XXXX accrued interest on my principal balance. I am making no HEADWAY on my principal balance or my forbearance interest. I have around a total of XXXX in student debt, and it says my term is 140 years??

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
Sams club credit owed me a credit of {$27.00}. I spoke to them around XX/XX/XXXX and they assured me they would credit my account but explained it would take 1-2 billing cycles for the credit to appear. I checked my statements for XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX and still no credit. I called Sams Club Credit today ( XXXX/XXXX/XXXX ) and they researched the situation and determined that the request for credit was submitted on XXXX/XXXX/XXXX but somehow never credited to my account. Given the error, I asked for an immediate credit to my account and initially, they refused indicating that they would reprocess my request today and I would need to wait another 1-2 billing cycles for this new request. I asked to speak with the manager and only after I explained I would be filing a complaint with the CFPB, did the manager assure me he could approve the credit now to appear on my account within 24-48 hours. I still am not confident I will see the credit - but will confirm in the next few days.

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 2016-07-25
Company: Aldridge Pite, LLP
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I was in receipt of a letter dated XX/XX/2016 signed by XXXX who works for Clear Recon Corp. This letter of debt and documents attached are disputed in its entirety. I am working with a single point of contact from XXXX who is XXXX. The Home owner bill of rights statute of conditions precedent are still pending. I have attached a letter that will be sent to XXXX who works for Clear Recon Corp. This is to stop all collections Pursuant to FDCPA 15 USC 1692c to cease communication with consumer and any further attempts to collect a disputed debt that Clear Recon Corp. alleges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have serveral loans through the Vermont Student Assistance XXXX or VSAC. I am currently ahead on payments ; however, after several attempts to have the overpayment and/or ahead payments applied to the principal balance. Accorday to VSAC it is against their policy to put the overpayment to the highest principal balance, rather they mandate that the overpayment be put towards the lowest interest loans. If this was my home mortgage i would be able to make an over payment towards interest, escrow or prinicpal. Since when does a non profit have the ability to tell me how to use my money when I am over a year ahead on my loans. It seams that it lines their pockets more because instead of paying off the highest interest loans, they tend to funnel my payments to the lower interest ones.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: TENET HEALTHCARE CORPORATION
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed numerous disputes with Central Financial Control and advised them to provide me with contracts with authentic signature than begun this alleged debt. Central Financial Control Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Central Financial Control have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Central Financial Control have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Central Financial Control have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Central Financial Control could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Central Financial Control have failed to establish any relationship between me and the purported debt, I demand that Central Financial Control discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Central Financial Control continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Central Financial Control AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Central Financial Control hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Central Financial Control at this point Central Financial Control have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI
Product: Mortgage
Sub-product: VA mortgage
Issue: Struggling to pay mortgage

Complaint:
In the end of XXXX we were having trouble making our mortgage payments we called Citizens to see what our options were. They suggested a loan modification at that time and explained that process. At that time we went into default of our loan as required and started the process. On XX/XX/XXXX we signed the loan modification at that time the current amount due was {$5900.00} new payment would be XX/XX/XXXX {$1100.00} The VA funded {$43000.00} of my loan due to the extreme back log of the va the loan modification has been extremely back logged. When trying to get updates from Citizens load modification department they continuously say due to system changes check back in two weeks. Todays Date is XX/XX/XXXX. In XXXX they told me the va had funded my loan??? Today I spoke with the va to find out they are extremely back logged and that Citizens was instructed to tell va loans that they need to call va and that they would explain what was the hold up. That did not happen once. On XX/XX/XXXX we submitted to Citizens tax department that we are 100 % tax exempt and are due a refund of {$3500.00} Plus our new mortgage payment should be significantly lower as we are still paying the same payment we are now owed more money and feel we are not being treated fairly. Citizens loan modification team refuses to let me speak to a supervisor even when I had someone from the tax department XXXX with me to verify they owed me money. At this time I believe more should be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18
Company: Progressive Financial Services, Inc.
State: AZ
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:
Progressive Financial Services legal department mail a letter to my home claiming that I have a debt remove from XXXX credit report and that I made false letter from their company to get the debt remove. 

The company that filed the debt with Progressive Financial Services was XXXX XXXX. I contacted XXXX XXXX this summer to let them know the debt did not belong to me and it needed to be remove from my XXXX report. I am also a current customer of XXXX XXXX. I am reporting this company to the CFPB and for your agency to investigate Progressive Financial Services collections practices.

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 2017-02-21
Company: Exeter Finance Corp.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I requested documented proof that a loan from Exeter Financial was mine and I received a letter advising they were able to validate the debt but never sent me proof it was validated. My consumer reports were frozen as of XXXX XXXX, XXXX however I received the letter advising it was validated on XXXX XXXX, XXXX so it was impossible for them to validate. From my understanding it is unlawful to lie like this and have something on my credit reports that they do not have validation for.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Aargon Agency, Inc.
State: CA
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:
Aargon debt collection sent me a debt collection letter with a fake debt with partially true information regarding me. When I called I asked for info on the debt and was given a fake address of the company where the debt originated ; XXXX, XXXX., XXXX, CA. I told XXXX, female, I have never had a storage unit in my life, this stumped her, she placed me on hold. She then suggested I dispute it but I asked for a detailed invoice of the debt, she again placed me on hold and then said OK I 've mailed you the invoice, which I 'm sure will never arrive because it does n't exist. There are many similar incidents like this involving this debt collector.

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