BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-11
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Back in XXXX I stopped making payments on a {$1600.00} XXXX credit card as my identity had been stolen and was going through financial difficulties. It seems that in XXXX XXXX decides to sue me but I was never served. XXXX attorneys put a judgement against me and continues to try to collect the debt. I settled the debt with XXXX back in XXXX XXXX and part of my settlement condition was that they would remove the judgement. That was not done. The attorneys are the Winn Law Group in XXXX, CA. I am now trying to sell a piece of property I own but the judgement is showing up on my credit report. When I got the information from the escrow company as to who to call, I called them and they sent me a letter trying to settle the debt that I had already settled and the amount had gone up to {$6400.00}. I got a letter from XXXX that my account had been settled and to please remove the judgement and my name from their list back in XXXX XXXX, XXXX. To date, I have not received a response from them and the judgement still appears in my credit report. I called XXXX and they told me that there is nothing they can do because the judgement was entered by Winn Law Group and that Winn Law Group has to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: APR or interest rate

Complaint:
I made a purchase on a XXXX store card on XXXX/XXXX/XXXX and was offered a promotion where the interest was deferred for 18 months. Since I had e-delivery and all my communication was electronic, I missed the deadline XXXX/XXXX/XXXX for the promotion. The bank ended up charging over {$1300.00} in interest. I called the bank and offered to pay the account in full on XXXX/XXXX/XXXX but was told they will not waive the interest since it had been over the 30 day grace period aloud to make adjustments to interest. It had been 56 days by that point. I acknowledged my mistake and admitted it was an oversight on my part and to maintain a good relationship with the bank, I need them to understand that everyone makes mistakes. My balance as of XXXX/XXXX/XXXX was approximately {$1200.00} and I was charged the promotional interest in the amount of {$1300.00} which is more than my balance. Obviously I would have paid off the balance since it was more than the interest, it only makes sense.

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 2016-05-12
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.

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 2016-01-27
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
a certificate of deposit which I have left to automatically renew for over ten years recently went dormant. The only way I found out what happened was to ask the XXXX bank and trust why I did not receive the monthly statement. I think they should have notified me first. I understand there can be legal complications which arise from dormancy. Do n't think this should be allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: DataMax Corporation
State: NC
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:
This debt should have never been reported on my credit. It was paid. I have contacted them several times about this bedt. They seem to ignore my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: SYNCHRONY FINANCIAL
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015, I have noticed that Jc penny have pulled my credit report without my consent. The company states that it will take 60 days, but it has been 60 days and the company has failed to take the XXXX inquires off my credit report that shows up on transunion credit report twice, which resulted in my decrease of credit score. I was informed ny the credit bureau that it does not take 60 days to remove an inquiry, instead it only takes about a month, all the company has to do is email the credit bureau asking them to delete the inquiry. which the company did not still do so,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-06
Company: U.S. BANCORP
State: KY
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
{$810.00} was fraudulently charged on my XXXX XXXX prepaid visa. They will not give me a provisional credit. I 'm a single mom on a tight budget.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-14
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I reached out to the auto loan lender and requested the late payment dated back in 2017 of XXXX be removed and I haven't received a response.

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 2017-02-17
Company: Navient Solutions, LLC.
State: NM
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
My complaint is about Navient and in particular one of their collectors, XXXX. Several years ago my son applied for a student loan in which we cosigned for. He had been making payments until he was injured on the job and was fired. He is presently unemployed. He has tried to make payments, however small, in good faith, but because it 's not the amount they want they have refused them. They have contacted us on a weekly basis for payment, but we are unable to pay. My husband is very ill and we are struggling with our own medical bills and are heavily in debt. I understand it is their job to try to collect but it hit an all time low this week when they started calling my place of work. ( I only work part time because I take care of my husband and take him back and forth to his doctor 's appointments. ) The worse, though, is when I got a call for my boss last night that they somehow got a hold of her private, unpublished home phone number and harassed her XXXX daughter! This has got to stop! I 'm afraid it is going to cost me my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I went to XXXX Kia in XXXX XXXX, VA to find a new vehicle. My vehicle, XXXX Kia Forte financed by NFCU with a balance of {$6800.00} was in an accident and the insurance company delayed payoff. I am pregnant and need transportation. The dealership sold me a XXXX Kia Sorento and told me they would pay off my trade-in and that my total cost out the door would be {$22000.00}. I did not understand what was happening. Navy Federal provided me a blank check that I wrote out for {$22000.00}. I thought the dealership was going to pay off my trade-in as they had stated. The Dealership did not pay it off. The dealership documents did not show the negative equity on the paper work. The dealership wrote up XXXX deals. On XXXX they said they were giving me {$1500.00} as a down payment to help me. On the other they did not have the down payment. On XXXX they indicated that there was no negative equity and the balance due at delivery was {$22000.00}. I recorded the conversation at the dealership where they said what the actually did. I was pre approved for the new car loan by NFCU for up to XXXX. The paperwork from NFCU indicated that my max loan amount could not exceed XXXX and that it would be in addition to the existing loan balance of {$6800.00}. The print from NFCU is really little and it did not make since if the dealership was going to pay off the trade-in in full. The dealership indicated that NFCU would not take checks on NFCU to NFCU loan purchase and trade-ins.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Other

Complaint:
I do have to start by saying I thought I had already submitted this but it was not submitted due to internet issue at the time, we had extreme weather which caused internet issues. My complaint is against Synchrony Bank. My wife was laid off and we fell behind on our bills. She is currently back to work and we are catching up on the bills. We received a letter for your amazon account for a settlement of XXXX over 3 installments. I had JUST received a health insurance stipend at work and I wanted to take advantage of this ASAP. The DAY I received this letter for the settlement I called. The first rep refused to accept the settlement amount. He refused to accept a payment on the account. After waiting on hold for 30mins for a supervisor. I was advised there was nothing that rep could do and that I had to call Right back to speak with someone that could help me. This made no sense to me. I was just trying to make a payment. I then called back and spoke with XXXX XXXX in XXXX XXXX ID # XXXX who said he would only take the payment in full and basically there was no letter sent. His supervisor also refused to honor the letter. I advised them That I had enough to do a XXXX % settlement in full If they were willing to do that. They refused any wettlement on the account and would not accept any payment. At that point I advised them I would file this complaint they did not seem to care. 
The next day I called back and spoke with a XXXX XXXX I believe. I honestly do not remember his name. We advised me that since I did not set up the payment arrangement the day before the settlement went up to XXXX. The fact is that I did try to make a payment the day before with XXXX reps and they would not take my payment. Why would the bank issue a letter and say one thing and it mean is n't even true. I am willing to make this in three payments. But what I would l really like to do is settle this with a one time payment of XXXX % which was roughly {$660.00}. I have enough to make the XXXX % settlement in a one time payment. But my main concern is the false letter I received from synchrony bank. Why would they send it out if they wont even honor it?

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 2016-01-13
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
hi, there is a account from XXXX credit card company on my credit report that is about XXXX years old. this card is reporting on my credit report as still open and im over the limit. the info they are reporting is completely false. i do n't even remember having this credit card. please help me find out whats going on

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
I have extended family in XXXX, XXXX. Currently between bombs and snipers, it is not a safe place to be. Everything is in short supply and utilities are intermittent. The banks have no money. The only way to send money is through moneygram. On XXXX XXXX I sent {$500.00} via moneygram. When my relative went to pick it up, he was told there was a computer glitch. I called moneygram and they told him to have the agent contact them. The agent then told him the money had been returned. I did not keep careful track of dates since I was not expecting a problem, but sometime after XXXX XXXX, money gram informed me that the money had been picked up on XXXX XXXX. My relative did not pick it up and since XXXX a reference number and ID are required, I ca n't see how anyone else could have picked it up. Money Gram opened an investigation. When I call I get the escalation department. No matter how I explain that they either have the money or gave it to the wrong person, and that this is a serious humanitarian crisis because the family needs money to buy food, they continue to give me the same line that they have up to XXXX days to investigate. On Monday I got someone named XXXX to say he would red flag it and call or email me back, but that has never happened. Today someone who also said his name was XXXX put me on hold for XXXX minutes to wait for XXXX, who just repeated that they have up to XXXX days to resolve it. People are going without food thanks to their error! XXXX told me XXXX that they do not have a supervisor, and then that he does not take calls. I am so frustrated! I thought Moneygram was a reputable business, but now I have lost {$500.00} and the family is still without money for food.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10
Company: Receivables Management Partners, LLC
State: MI
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, XXXX I was contacted by Allied Collection Service regarding a debt with no explanation of what it was for so I disputed the debt right away through certified mail. It is my belief that they never notified the credit bureau 's of my dispute. On XXXX XXXX, XXXX Allied BUSINESS ServiceS contacted me again claiming to validate the debt. Allied COLLECTION GROUP waited until XXXX to report the account to the XXXX major credit bureaus. Upon learning of their false and erroneous reporting I disputed the debt directly with XXXX on XXXX XXXX, XXXX. After waiting 16 days I decided to call and let them know of my intention to sue for violations of the FDCPA, the FCRA and my legally protected interests. That day, XXXX XXXX, XXXX they removed their false and erroneous report. On XXXX XXXX, XXXX Allied Business Services sent me a letter stating they had removed all negative marks on my credit report. On or about XXXX XXXX, XXXX I had applied for a car refinance and was given a higher percentage rate due to their negligence. This has caused me much harm in the form of emotional distress, defamation of character and among other things. They also violated the FCRA and the FDCPA many times over including using XXXX different business names to deceive me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: ENCORE CAPITAL GROUP INC.
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I just had a credit report done and find that XXXX XXXX is on my credit report I never apply for credit with them. Their reporting that I apply on the report in 2011 I was under XXXX year old at that time. Also on my credit report they reported my name spelled different and different social security number and date of birth with also different residential address. They also was report all this different phone numbers .I filed a dispute with the credit bureau and this time and put a fraud alert on my records. I also have not receive a letter from in the mail for this credit card. On my credit report it states my current address and they have not sent no letters or I would of told them this is not mine bill. This is not my debt. I also was puzzled Midland Credit Management is not showing this debt owing on my credit report. I saw the XXXX XXXX on my report and disputed this creditor and they sent told me they sold account to MCM but this is not mine bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
an incoming call from XXXX keeps calling me ... .5 times today alone ... to tell me that I am the recipient of a {$9700.00} grant from the US Gov't. They offer XXXX options to receive the money. Transfer to your bank account, transfer to a prepaid debit, or pick up cash in person at any MoneyGram location. They were persistent that I choose XXXX, or secondly a Walmart location??? They gave me a grant confirmation # of XXXX and told me to immediately call the senior accounting manager at XXXX. They also inform you that it takes XXXX to 40 mins to complete this call and transaction to get the money " approved ''. No less than 15 times, they stated that the Gov't wants me to have this grant money and that because it Is a grant, I do not need to pay this money back ... ..I then decided this was getting too fishy and declined their offer. They have since called 3 more times ( I did not answer ) after I was adamant that they place me on a do not call list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20
Company: M&T BANK CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I no longer use my M & T account. I accidentally selected it to pay a bill online and it became overdrawn. M & T did not notify me via email, despite the fact that that has been their standard practice for fraud notifications and updated statement notifications. They deliberately chose not to use that standard form of communication to collect excessive overdraft fees. The bill was due XXXX/XXXX/15 the last time I had checked on the M & T account had been XXXX, and they are showing the bill in question coming out of the account on the XXXX, which is not correct or was outside business hours. I only found out about the overdraft because I could not see where the bill came out of my main bank account on the XXXX. I immediately scheduled a transfer of funds from my main bank account and called M & T they told me that since I was a good customer they would waive the overdraft fees. Despite this conversation which occurred on the XXXX, I was hit with a 5 day extended overdraft fee. I believe that M & T 's deliberate choice to not contact me via email when the overdraft occurred as well as charging me a 5 day overdraft the same day they told me they would waive the overdraft fees amounts to a UDAAP violation for deceptive practices. I would like the 5 day overdraft fee to be waived and for this account to be closed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-13
Company: Sequium Asset Solutions, LLC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Ive been contacted on 4 occasions by a debt collection agency named Sequium Assets Solutions. They always start by asking me to confirm my name and street number of my address. From there they immediately ask how I will pay my debt and get aggressive about it. They claim I have an outstanding balance with my internet provider, XX/XX/XXXX The first time, I contacted XX/XX/XXXX and they confirmed that I did not have an outstanding balance. The second time I was called by XXXX, I asked what it was in regards to because they dont say that immediately. When they said my XX/XX/XXXX balance, I told them that I knew they were a scam and they immediately hung up. 

Date / time / number called from : XX/XX/XXXX / XXXXXX/XX/XXXX / XXXX XX/XX/XXXX / XXXXXX/XX/XXXX/ XXXX XX/XX/XXXX / XXXXXX/XX/XXXX XXXX XX/XX/XXXX / XXXX XX/XX/XXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
I disputed UNAUTHORIZED inquiries on my credit report. Per the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. This is a violation and it should be removed. I feel a reasonable investigation of these inquiries were not done and after sending in proper identification a fraud alert was placed on my file for disputing this. I would like to have these unauthorized inquiries removed and the fraud alerts lifted from my file. I now have credit monitoring so there is no need to have a fraud alert placed on my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: M&T BANK CORPORATION
State: NJ
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I opened this CD account ( along with XXXX additional ) approximately 5 years ago. I now wish to close this account, but M & T Bank is making it impossible. When I opened this account I was adamant that I did not wish to have these accounts renewed automatically, I was told at the time I opened the accounts that it would be not be a problem and it would be noted on the account, this was not true. 
I sent my son to the bank on my behalf, I am XXXX years old with a XXXX XXXX and XXXX, and have XXXX. He was told at the branch that the power of attorney that he possessed was not valid and the institution would only accept their own power of attorney form. 
I feel that M & T Bank uses deceptive methods and is attempting to take advantage of a XXXX and veteran. 
I am attaching a copy of the power of attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: M&T BANK CORPORATION
State: GA
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have VA loan from M & T Bank. I refinanced it about a year ago. M & T bank held the mortgage for several years before I refinanced with them.The mortgage payments are current.Today I received a letter from my county. It is a NOTICE OF INTENT TO LEVY because they say I owe {$830.00} from XX/XX/XXXX for property taxes. This is the XXXX I 've heard of this. 
I 've been in this house over XXXX years and taxes and insurance have always been escrow-ed for VA loans. I must pay by XX/XX/XXXX or the property will be levied.

Company response to consumer: Closed with monetary relief