BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-15
Company: SYNCHRONY FINANCIAL
State: MD
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
XX/XX/2020 I was alerted by XXXX  through XXXX XXXX that through XX/XX/XXXX-XX/XX/2020. That SYNCB/PAYPAL added an hard inquiry to my credit report. Yes, the account was open. But I never made transactions. It was an open account with no activities. It is unfair that they added this on my credit and lowered my credit score through XXXX. 
I have completely closed this account. And I would like this removed from my credit report.

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 2017-03-13
Company: Rocket Mortgage, LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I feel like I was financially damaged by Quicken Loans in Michigan. I told them before the loan was approved that I was on a fixed income and could afford no more than {$550.00} a month in payments. It is an FHA loan and the payments were calculated to be {$510.00} a month. I added the additional to pay down the principal and have paid $ XXXX/mo consistently, never late. Here recently, I received a notice from Quicken that they had miscalculated my escrows, not by a few dollars, but by more than {$1000.00} per year. That made my mortgage payments go up to an unaffordable $ XXXX per month, and then an unaffordable $ XXXX per month after I had to borrow the money to make up for the missing escrows due to their error. This is more than {$100.00} more than I told them I could pay from the start. Had they done the escrows right by HUD regulations, I could have turned down the loan or lowered the amount borrowed at least to make it more affordable. I am on XXXX and ca n't afford those payments and they have substantially jeopardized my ability to keep my home because of the calculation error, and upped the payments more than {$40000.00} over the life of the loan. I informed them that my taxes were going to be around {$1400.00} a year after the homestead exemption was filed, and they based the tax escrows on those of the previous owner who was over XXXX and was only paying {$140.00} a year under a property tax freeze that I do not have. Also, he got an 80-percent reduction on the county school taxes because he is over XXXX, and that amount should NOT have been used to estimate my property taxes. They were supposed to use the amount I gave them and now it has substantially increased my mortgage payments beyond what I can afford on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: NATIONSTAR MORTGAGE LLC
State: MA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
There are THOUSANDS OF COMPLAINT 'S FOR ( NATIONSTAR ) MORTGAGE? / DEBT COLLECTOR XXXXLOOK this UP Avoid being CHEATED OUT OF YOUR HOME BEFORE IT 'S TOO LATE Fraud the scam is REAL, It 's happing Know.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: KEYCORP
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Confusing or missing disclosures

Complaint:
Transfer of funds being delayed for XXXX day. excessive fees are being charged, {$1000.00} transfer fee per account. The bank in involved is Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: BB&T CORPORATION
State: AL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
BB & T offers through their new U by BBT app BB & T deals. I have activated and used many of these deals without any trouble. I just activate the deal in the app, make a purchase with my BBT checkcard, and then it shows up as a pending reward to be deposited into our checking account. The are then deposited the following month. In XXXX of this year, BBT had a deal for 10 % back on stays at XXXX XXXX when paid using your BBT checkcard. I booked a stay at the XXXX XXXX in XXXX, AL, through the link in the U deal offer. The offer also says you must be a member of XXXX XXXX, which I am. Travel was to be completed by XXXX XXXX, which it was. The purchase was paid with our BBT checkcard, and posted under the item " XXXX XXXX XXXX '' on XXXX for {$280.00}. This would mean a deal valued at {$28.00} which we should have recieved from BBT. I waited and it did not show as a pending reward, which I thought may have to do with the fact that travel is completed by XXXX XXXX. So, I waited until after this date and still no pending reward shown. Thus, I reached out to BBT. I work for a competing bank which offers a similiar program and I know that when this occurrs a customer can contact the bank and have the item researched and manually applied if applicable. In fact, based on the deals seen, I think BBT may utilize the same third party for the deals program that my employer uses. I called the customer service line and I was told I had to contact XXXX directly, because they are responsible for paying the reward. I knew immediately this was incorrect however I called XXXX and they had no idea what I was talking about. I also emailed BBT customer service several times and after a lengthy delay got a response basically telling me to call customer service. I then called the local branch in XXXX, AL, and spoke with XXXX who told me he was going to research the issue and get back to me. A few weeks passed and I heard nothing, so I called him back and he told me he did not know anything about the deals program but that he had escalated the issue and I would be getting a call from BBT corporate on the issue. I never heard back from BBT corporate. I then got another reply to a previously sent email communication to BBT which indicated I should call BBT online technical customer service, which I did. At first, the agent also did not know what to do, but eventually told me she was escalating the issue and I would hear back in 48 hours. That has been a month now and still no calls back from BBT corporate or cash rewards. Thus, I am left with no choice but to now turn to CFPB as it seems like no one at BBT knows how the deals program works or how to research a missing credit which I am due.

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 2022-07-19
Company: Smith, Cohen & Rosenberg LLC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
I'm being perused by a debt collection agency for the amount of {$11000.00} XXXX signed up for a service that failed to deliver the expected materials and I find their client to be in breach of contract. 

I payed the monthly amount in good faith until I felt like was not receiving with the organized promised to deliver. This totals {$3900.00} The service provided was not timely, of low quality, and disorganized. 

I disputed these charges with my bank and the bank ruled in my favor that the organization was in breach of contract. 

I've attached the communication from by bank awarding the dispute in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Experian Information Solutions Inc.
State: NJ
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: Was not notified of investigation status or results

Complaint:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against Portfolio Recovery Associates , LLC for committing identity theft. I have never given Portfolio Recovery Associates , LLC any permission to use any of my identifying information to commit mail fraud or aggravated identity theft by contacting me about an alleged debt they claim I owe. I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 USC 1692e ( 12 ). I have not validated any alleged debt with Portfolio Recovery Associates , LLC, and my failure to dispute the validity of the alleged debt shall not be construed as an admission of liability. I have yet to receive any documentary evidence, such as a trilateral contract, giving Portfolio Recovery Associates , LLC any right to collect on this alleged debt. It is in my belief that Portfolio Recovery Associates , LLC are attempting unlawful extortionate activities and theft by deception by attempting to furnish false and deceptive forms. I have never received any documentation requesting validation from Portfolio Recovery Associates , LLC before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer reports including but not limited to 15 USC 1692d ( 4 ) which the FTC defines as debt parking. If Portfolio Recovery Associates , LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with the forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all legal activity, communication, and collection activity of this and any alleged debts until Portfolio Recovery Associates , LLC can provide me with sufficient documentary evidence that I gave any legal obligation to pay them. If this documentation evidence can not be produced and Portfolio Recovery Associates , LLC continues its collection efforts, I will file for litigation for actual damages caused and Portfolio Recovery Associates , LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are now hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been attempting to get a loan modification from Select Portfolio Services for 9 months. They have continually delayed this process by asking for the same items over and over again. 
In the last 2 months they have set a sale date of my home in violation of California and Federal law specifically the dual tracking law as a part of the homeowner bill of rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02
Company: Paypal Holdings, Inc
State: KS
Product: Credit card
Issue: Other

Complaint:
My complaint is against PayPal refusing to refund a XXXX shipping charge in the amount of {$39.00} to ship back a product I had not ordered. 
I purchased a ladder from XXXX. I was supposed to receive a XXXX ; I received a XXXX I demanded a return postage label to send back the item I had not ordered. XXXX refused to acknowledge that the shipper had listed a fraudulent ad on their website. The website advertised the product a XXXX but had the picture of a step stool worth about {$27.00}, as opposed to the {$87.00} I paid through PayPal using my XXXX credit card. XXXX gave me back the {$87.00} for the ladder I received on XXXX 
Because I had to pay PayPal for the ladder ( using my XXXX credit card ), XXXX said I had to deal with PayPal to get a refund for shipping back the step stool. PayPal kept claiming during phone call after phone call that I would get my money back. It was only when I had a XXXX CSR on the line with PayPal that PayPal provided return policy ( on XX/XX/2016 ) and revealed a website address where I could file for a refund of the shipping charge in the amount of {$39.00}. 
The policy stated I had to provide proof of return had to provide proof of return. That is all. 
The website actually required more than the proof of return. 
XXXX. I was able to provide a pdf file from XXXX showing that the product was returned. 
In addition, the website required : XXXX the original purchase receipt, XXXX proof of return shipping cost. 
All proofs were to be digital and I attached all files requested on the " XXXX. '' I received a message that my claim for a refund was disallowed because the file format for " XXXX proof of return shipping cost '' was the wrong format. XXXX did not provide a receipt for the cost. I had to set up a XXXX account to return the ladder, and I had to pay the {$39.00} with my XXXX credit card. All I could do with the time frame given on the website was copy the transaction on the XXXX website and create a text file. 
In summary : PayPal listed only XXXX proof -- which I provided -- to get my refund of {$39.00}. The XXXX website required additional proofs and rejected the file format for the {$39.00} I paid by credit card to ship back the item I did not order. There was no other file format available for this proof.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-24
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Unexpected or other fees

Complaint:
I had received a large amount on my card around XXXX of XXXX I used about XXXX of it and went to jail. When I got out of jail my dad had died and I went to take care of my little sister out of town. I finally went home some months later and realized that I still had money on my card. I noticed that the card was missing so I called and they reviled that almost XXXX had been taken. Beauty salons, bank transactions that were not me. So I send in dispute they acknowledged that it wasnt me that had made the transactions I signed papers and sent in a complaint with card holder services. They write me back XXXX weeks later saying that I benefited in my card being stolen so they wont refund. How did they figure that? Like my card was stolen and money was taken out without my permission and they say I had to have benefited in this theft of mine, like what sense does that make?

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 2022-07-19
Company: ADP Inc.
State: AL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
Used Wisely pay card on XX/XX/22 at XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, XXXX XXXX ) atm to withdraw cash ( {$500.00} ). Cash was not dispensed, ATM showed cash is not available after transaction was completed. Receipt was given and amount debited from card. XXXX XXXX XXXX claims atm on property is not managed by the bank. Claim was filed with card company ( Wisely Pay Card ) on XX/XX/22. Cash has not been recovered to this date. Response from Wisely Card stating that it is under investigation. XX/XX/22

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-15
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
I was recently denied a lease for an apartment I'm assuming for the following reason. 

Experian is currently reporting : XXXX/XXXX  XXXX  XXXX  account number # XXXX : Currently reports inaccurate balance or credit limit ; a violation ; as a result the entire account must be deleted immediately. 

: Currently reports a monthly payment amount after account has been closed. A violation : as a result the entire account must be deleted at once.

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 2022-03-24
Company: AMERICAN EXPRESS COMPANY
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I contacted American Express as they keep denying me of a Bankruptcy that was discharged in XXXX, l called today XX/XX/XXXX to ask what is the waiting period for applying based on this denied application reason in the past spoke to a supervisor names XXXX, she told me they have no information on that and said lets try the application and if denied she would get me to an new account specialist, l was denied and give a reference number XXXX which l gave XXXX and she put me on hold then game back and said l am connecting you to a new account representative, they told me the reason was the Bankruptcy, l told them that it was discharged in XXXX, and other major banks have given me credit cards and l have a A Rating on payments and a score sitting close to 700 with my credit file. He told me that as long as it shows on your report you will be denied, so my complaint is why do the application taking representatives not have that same information as one to not waste the consumers time and two not have an impact on your credit score, this is unfair and unjust. I am filing this complaint for American Express to answer and address this unethical practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-26
Company: SQUARETWO FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Repeated phone calls to me and my spouse. Told my spouse I would be sued as well as disclosing account information to my spouse, whom I married after the debt was granted to me and I 'm collection. Settled with the company and made 2 payments of one for {$400.00} on XXXX/XXXX/2017 and another payment of {$270.00} on XXXX/XXXX/2017.  Unfortunately, I could not keep up with my payments due to my current hardship and the agency persisted on calling my spouse and I. Most Recent Phone calls to myself : XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. The agency usually contacted my wife on those same days as they contacted me. XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX XXXX/XXXX/17 XXXX XXXX. As well as more repeated calls that I can not provide at this time. I would need to contact my mobile carrier. The phone calls also always came in different numbers with a ( XXXX ) area code.

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 2022-07-19
Company: Experian Information Solutions Inc.
State: FL
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: Their investigation did not fix an error on your report

Complaint:
I noticed several accounts that were not mine on my Experian Credit report number XXXX. I called Experian on or about XX/XX/XXXX. The representative stated THEY ( Experian ) had a system problem that incorrectly merged client data and they would correct it ASAP. They corrected some but not all. I now have 2 collections on my report from the same collection agency as copied & pasted below. 
Account Name XXXX XXXX XXXX Account number XXXX Account type Collection Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$60.00} past due as of XX/XX/XXXX. 
Status updated XXXX XXXX XXXX {$60.00}

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 2019-06-08
Company: Ditech Financial LLC
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
Ditech Financial is trying to collect a debt ( {$8800.00} ) from a mortgage that was a part of a bankruptcy in 1996. The manufactured home was taken back by the mortgage company which was XXXX. They have repeatedly tried to collect a debt that was not owed and now it is affecting my credit. I do not owe this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-03-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I had a credit card with XXXX XXXX originally and it was dismissed due to unauthorized transactions on the cards for which I did not make. XXXX XXXX admitted that they found fraudulent transactions on the cards and said that I no longer was responsible for the balances. In 2018, Portfolio Recovery started a campaign against to collect these debts despite XXXX XXXX decisions to not collect these charges from me. I filed an identity theft report with the FTC and listed these cards as a part of that report and told Portfolio Recovery about that and stop calling me. Portfolio Recovery not only continued to call me but used some very brutal tactics to try and collect these debts that had been settled. They continued to call me from many different numbers and from different area codes from spoofed numbers to try and collect these debts thats not mine. At the same time, I started receiving barrages of many spoofed calls and harassments from many other numbers trying to collect on these debts. I feel that Portfolio Recovery employed these tactics to sell my information to other parties to aide them into harassing me into paying debts I do no owe. I reported this to all credit bureaus and all deleted Portfolio Recovery except for XXXX  from my credit report.

Company response to consumer: Closed with non-monetary relief