BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: Middlegate Funding LLC
State: AZ
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Middlegate Funding is such a rip off and I would n't suggest anyone go through them because of the pain, harassing you and your broker and saying that I am a thief for borrowing money. They are not registered with XXXX and am going to take action with the FTC. They act all nice and sincere when you first call them, then the moment they wire you the money for a transaction they start changing there ways and treat you like XXXX. Middlegate Funding owners are XXXX XXXX and a person named XXXX, they act like they have 50 people working for them but in all honesty it 's just them 2. They will have you convinced of an interest rate and then all of a sudden after receiving the money they will charge you more interest then indicated. Remember people are borrowing money for a reason, because of numerous financial reasons, so they know you do n't have the power to go after them. If you start negotiating a settlement they will say yes but then say now you owe me more for all other fees they make up. Bunch of scam artists and they claim they work with numerous real estate companies but in reality they have no one! We would love to have more complaints to file a class action lawsuit against them and get other stories from those that borrowed money from them at one pint or another or been through other horrible situations with Middlegate Funding.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: CREDIT ACCEPTANCE CORPORATION
State: DC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Predatory lending - would like someone to look into a loan on a car note, which was at 20+ % rate. Tried to get a copy from the dealer, but the dealer closed. Contacted the credit lending company, but the case was referred to collections and a judgment was placed on my account. To this date, that bad debt is affecting my employment opportunities in the Federal sector.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: PHH Mortgage Services Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our household came under financial duress from a business failure temporarily keeping us from making mortgage payments with PHH Mortgage. We re-established income, completed the offered forbearance plan, and immediately applied for loan modification in order to get a reasonable payment. Since XXXX, PHH has intentionally blocked our application for ( 9 months ) through repeated use of bogus rejection reasons. They have now issued a Notice of Default through a lawyer, in an attempt to force us into selling our home. 
Research shows our case is not isolated. We need relief to prevent PHH from forcing us out of our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Direct Recovery Services, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
A phone number was calling me so I called back. The first person I spoke with asked if they asked for when I called and I said yes and then was put on hold. After a couple of minutes of being on hold I hung up and called back. When I called back the gentleman who answered the phone asked me if I was " XXXX XXXX '' and I said yes. I then asked him what company this was that was calling me and he said, " Direct Recovery Services ''. He then told me XXXX XXXX has hired them to collect the debt for them. I informed him I do not pay anything unless I have it in writing. He stated they have mailed notice out and I informed him I have not received it. I asked him to mail XXXX out because I do not pay anything over the phone unless I have proof of debt. There is so many scammers out there plus they do n't even answer their phone by stating the company name. I have no idea if they are legit or not. He told me to get in touch with XXXX and they will direct me to them. I again told the gentleman I do not pay anything over the phone without documentation. Rudely he told me they have sent out notices. I again told him I have not received any notice. I then told him he is not to call any other phone number except for my number XXXX so he does n't have to harass anyone else to just call me. He stated he was not harassing anyone and he is not going to mail out anymore notices and there will be no settlement offer. I told him I do n't pay unless I have proof of debt and I hung up. The gentleman on the phone was rude.

Company response to consumer: Closed
Consumer complaint received 2015-12-31
Company: PNC Bank N.A.
State: NH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Called PNC Mortgage today in regards to terminating our PMI and the letter I received for the process. The letter states the investor requires the XXXX to be 75 %. I am at XXXX % LTV. I state that at 80 % I have a right to remove it or wait until loan date to reach XXXX % as scheduled. PNC Rep. stated the investor requirements were XXXX %. I asked how he can supersede the government? Secondly I never signed with PNC ( loan sold to PNC ) and I stated my agreement does not indicate XXXX % LTV on the documents I signed. so forth and so on. I also stated if I wrote a $ XXXX check today cut my loan in half and the new LTV was XXXX % would I have to pay PMI. She stated yes and the investor would need to review and an appraisal would need to be done at {$500.00}. I then stated the only way to eliminate the PMI with PNC would be to sell/refinance the loan to someone else. Long story short, I did not get anywhere with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: KEYCORP
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
Key Education Resources is by far XXXX of the most burdensome entites to work with. I have several student loans with them totaling about XXXX which my father co-signed on. They are insisting in locking me into a 5 year repayment plan, and will not allow me to extend the payments to anything longer which would help mitigate the cost of the loans. I fell behind on the repayment terms as it 's become impossible on my income to repay the loan on the terms they are insisting. I have tried to work with them several times and even though I have deferrment time left on my loans ( They give you 18 months ) they would not allow it. I asked for the loan to be placed in forberance as I had about 10 months of time left. They then changed the terms of the loan and sent me paperwork that clearly stated XXXX was for a LOSS MITIGATION and not a FORBERANCE. They have outright lied to me, changed the terms of their agreement, locked me into a repayment plan I can not afford, and I feell I ma left with no choice but to voice my concerns and grievences to you about Key Education Loans and Resources.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Advance America, Cash Advance Centers, Inc.
State: IN
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. 

I called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. 

The customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. 

I called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. 

I am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. 

They had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: Byrider Franchising, LLC
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There has been multiple issues within this same situation. 

1 ) The vehicle description did not meet the actual product ( carfax information was different that what was sold to consumer *AA ) -- -this was with an affiliated company2 ) Payments have been processed several time on the wrong dates. XXXXXXXX3 ) Payments have been processed with other methods which were not authorized. XXXXXXXX4 ) Contact with representatives has been rude and forceful.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Late fee

Complaint:
To Whom This May Concern, I received a call from Kohl 's on XXXX/XXXX/XXXX that I was late in making a credit card payment. I was surprised because I never received a payment statement in the mail. I was told I signed up for email statements ( which I do not recall ) and doubt I would have intentionally agreed upon. However, I receive numerous emails from Kohl 's daily and do n't even read them because they are advertisements and I could have easily deleted an email statement as I was not expecting one. I intentionally do not accept email statements because I like to have my statements delivered in the mail so I can keep records of all bills/transactions in a file. Furthermore, I also generally only use XXXX credit card so I apparently I inadvertently forgot that I had actually used the Kohl 's card for a purchase. I paid it immediately when I got off the phone after the call. I was only contacted on that one occasion about the late payment. Looking back, I believe that I made a purchase in late XXXX or XXXX. However, I do not know for sure. I have requested that information and I was told that due to my closing of the account they can not see that information but will have it sent to me. I later found out that my credit report had been damaged from this one and only incident with Kohl 's. I had a credit score of XXXX before this and due to XXXX misunderstanding my credit score is now only XXXX. I tried to rectify the situation with Kohl 's but they will not work with me. I have had a relationship with Kohl 's since XXXX. I am sure you can see this is not typical behavior of me and I am asking to have this incident removed from my credit report. I appreciate you looking into this situation for me. 
Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Overlimit fee

Complaint:
accepted 0 % balance Xfr promo APR for 18mo w/Capital One. wrote check for entire balance, yet Capital One approved it. Per policy, check and fee should not exceed available credit ; which means Capital one should have rejected payment and contacted me ; at which point I would have written for a value they determined. As a result, they reported over the limit status to credit bureaus and credit scores dropped over 30 points. Although I erred, this is predatory. If I attempt to charge over my credit limit with my card, it is immediately rejected as a safe keep. How is it that this check had to go through processing, possible Credit Analysis and funding and they completely omit their own policy. This transfer should have not been approved. I have paid my balances down each month with no transactions, only interest applied. I take my credit very seriously and was aiming to be in the 700s soon. I have never opted in to allowing capital one or any financial institution to go over my credit limit. I have contacted them to correct this, they of course will not admit they erred. Please assist in getting my these negative items removed from my bureaus. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I have an outstanding balance on my credit account with Synchrony Bank. My last payment was a substantial portion of the principal balance. I missed my last payment and have since become a victim of what I believe to be illegal collection practices based on the information provided on the ftc.gov webpage. They are repeatedly calling my phone up to XXXX times daily. I believe they should be held responsible for inappropriate collection practices, and I intend to withhold payment based on this principle.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-01
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
My XX/XX/XXXX statement arrived and upon review I had noticed charges that I did not make. Futhermore, I only made XXXX purchase. Second, I contacted the company and they stated they would dispute the Item. I made only XXXX purchase at XXXX time. Then stored the card. I made the XXXX purchase to help build my credit. This has been a on going problem with many different companies, That is why I am tell you about this to maybe stop this trend or whom ever is doing this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-12
Company: Summit AmeriFirst Holdings, Inc.
State: WA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We got a home improvement loan for {$12000.00} from Amerifirst XXXX. We have paid, to date {$13000.00} on this loan. We have filed bankruptcy, and Amerifirst forced me to sign a " Reaffirmation " of the original loan claiming we still owe {$9500.00}. This loan STARTED in arrears, and the reaffirmation places us even further in arrears. They have repeatedly used the threat of foreclosure on our home as a club to end all discussion or negotiation between parties. There were things not disclosed about this loan, such as the lien against our home and the total payoff of twice the amount of the original loan. All the original documentation was done in our home by the XXXX salesman, and XXXX has since gone out of business and reappeared XXXX. We feel like we were defrauded from the start, and have been financially abused since. These companies are in collusion to use predatory loans to assault consumers. Amerifirst has XXXX complaints with the XXXX Report, and they need to be held accountable for their ethically vile practices and pressures.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I went to a XXXX on XXXX XXXX, 2016 to look at mattresses and the sales person took my social security number, saying that she only needs it to provide me a quote for the mattress i like. However, a month later, I receive notice that a XXXX credit card was opened under my name for {$3000.00} credit limit without my knowing. I talked to the manager there in XXXX and he gave me the SYnchrony Bank phone number to call, saying " it 's happened multiple times before and just call this number, explain to them and you 'll be fine. '' I was on the phone with Synchrony Bank for one hour and finally decided to close the account, thus dropping my credit score by XXXX points.

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 2016-02-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Beginning of XXXX 2016 I received a statement from my Synchrony bank direct tire consumer credit card. I noticed that there were roughly {$800.00} of random charges in XXXX florida. I initiated a dispute in the beginning of XXXX and was advised that it could take up to 60 days to complete a fraud investigation. I reached out on XXXX and through their XXXX number and was told this could not be expedited. I spoke with XXXX @ XXXX and also their XXXX # XXXX. Today XXXX, i called to check on the status and was advised the fraud amounts were cleared -- - no specifics on what transactions were removed. I advised that my minimum balance payment and had been inflated due to these fraudulent charges and should not have been as high as the {$96.00} on a {$1000.00} balance. The fraud rep advise it was nothing she could handle and directed me to collections, with whom i was not able to reach. I located my most recent statement today XXXX and noticed charge on XXXX and XXXX that were also not mine. I called the fraud department and was told that a new investigation would have to be opened and take another 60 days. I was treated like this was my fault that i didnt recognize these charges and fraud rep at synchrony was very rude. He said he spoke to an investigator familiar with my case and said she was aware of the fraud charges and noted my account -- - i asked why an investigation or amended investigation did not take place for which the rep has no answer. I believe synchrony bank fraud controls missed out on these additional fraud charges and they attempted to conceal them from me as they were missed from their prior investigation. I believe Synchrony Bank has very poor fraud investigation continuity and most definitely lack sympathy for victims of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am filing this on behalf of my mother who is in XXXX. Barclays Juniper had an open charge account in her name. XX/XX/XXXX they initially reported suspicious activity to me on her account via e-mail. I immediately reported it as fraudulent per their electronic website. In XX/XX/XXXX they sent a statement showing the fraudulent balance, requesting payment. This time I sent them a letter requesting they remove the charges. In XX/XX/XXXX they again sent me notice of suspicious activity. This third time I called their security number and once again reported it as fraud. I was ultimately hung up on by their agent without letting me finish what I was saying. After that I sent them a certified letter informing them to close the account immediately and that any repeated attempts to collect the disputed amounts would be referred to authorities. On XXXX XXXX they once again sent a form letter indicating the amount of {$260.00} is due and providing the methods that the amount can be paid. We have notified them four times and they refuse to remove the amount and keep requesting payment. We have done everything in our power to resolve this with the company but continue to be unsuccessful so we are forwarding this to you as an official complaint. Thank you for your help.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-16
Company: SYNCHRONY FINANCIAL
State: NY
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:
XXXX is reporting an inaccurate debt that was in face paid in full to the credit bureaus under my name. This company has harassed me in an attempt to collect a non legitimate debt, and then continued to call me after the debt has been paid in full. XXXX is reporting a closed account to all XXXX credit bureaus and has shown to use non legitimate information to verify the debt. I have disputed the account to no avail, and the company refuses to delete it from their record. Even though the account was paid in late XX/XX/XXXX, XXXX has continued to report this account, the latest time being XX/XX/XXXX This is an unfair representation of my financial history and should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Cancelled XXXX card ( Barclay Card ) Noticed 2 months later - charge / late notice Charge was made 6 weeks after account closure Charge was fraudulent - and somehow processed by Barclay Card AFTER the account was closed! ) Called each month - Fraud department confirmed charge fraudulent - yet charge/fees still in collections

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 2016-07-17
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Rewards

Complaint:
Received email dated XXXX/XXXX/XXXX from Frontier Airlines MasterCard issued by Barclays Bank, saying " earn a {$100.00} Frontier Airlines flight discount every year when you spend {$2500.00} on purchases with the Frontier Airlines MasterCard. I completed the the required purchases by XX/XX/XXXX and contacted Barclays Bank asking when I would receive the {$100.00} discount voucher. Barclays Bank emailed me saying it would take 6-8 weeks. After 8 weeks I contacted Barclays Bank again and was told the the discount voucher plan was not in effect until XX/XX/XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief