BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
XXXX A woman from a Colorado area code has been calling daily since XXXX looking for another person who I do not live with or has never used my phone number. She said that she is from XXXX XXXX and that it is an urgent matter. Today ( XXXX ), she left a voice message indicating that she associated with an official agency, eluding that she was associate with the government. She left a number, which I investigated and found that it was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a collection account at XXXX XXXX XXXX that I owed to Capital One for XXXX. They reported the account on my credit bureau the same day they received the account. I did n't find out about it until months later when I pulled my free credit report. Before I paid it I called XXXX and asked them when it would be reported to the bureau as paid. A lady told me if they received it before the end of the month if would take no less than XXXX days. I paid the account in full on XXXX XXXX. I called cavalry today ( XXXX/XXXX/2015 ) to make sure they were going to show it as paid in full and now they are telling me its going to take XXXX days????? Why does it take XXXX days?? They did n't take XXXX days before reporting it. I paid with a debit card and the money had cleared my bank. It should be reported immediately. I felt that they were deceptive, they just wanted the money before the end of the month and so they lied about when it was going to be reported to the bureau. They want the money right away, but they drag their feet when its on them to update it to the bureau!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I paid Credit Collection Services ( CCS ) for a delinquent payment to XXXX for {$310.00} on XXXX XXXX, 2015. The payment was processed and deducted from my account on XXXX XXXX, 2015. When I called CCS to inquire why the payment had not been reflected on my credit report they responded that they did not own the account at the time of payment, however, the check was cashed and processed by CCS. If they did not own the account, why did they cash the check nor inform me of this information. After writing to them, they have processed a refund check for the entire amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: TD BANK US HOLDING COMPANY
State: MS
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
TD BANK USA/TARGETCREDITAddress:XXXX XXXX XXXX # XXXX, MN XXXX ( XXXX ) XXXX Number : XXXX .... 
Address Identification Number : XXXXThis is not my account, I have no knowledge of how or why it is showing up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: Diversified Consultants, Inc.
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 is not mine

Complaint:
XXXX overcharged me {$200.00}. I repeatedly asked them for a complete accounting from day one, about 12 months or so. Eventually I stopped receiving correspondence from XXXX. About XX/XX/2016 I received a dunning letter from XXXX XXXX, Diversified Consultants , Inc, XXXX XXXX XXXX, XXXX, Fl XXXX, demanding the same {$200.00}. 
I responded on XX/XX/2016, certified mail, again advising the charge was an error or submit a complete accounting to me. No response & now I find a negative collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Diversified Consultants keeps calling & not leaving a message. Number is XXXX. When I called the number back it states it 's a collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was recently changes from being serviced by XXXX/XXXX. XXXX to a company called Select Portfolio Servicing. 

In XXXX of XXXX I modified my loan with XXXX XXXX and have a 100 % on time payment history. 

I attempted to have PMU removed from my loan, but was notified that due to my payment history it would not be eligible for removal based on payment history until XX/XX/XXXX. 

I requested removal of PMI from my current servicer, SPS, who ahs recently informed me via mail that I am not eligible due to payment history. Note this correspondence was dated XX/XX/XXXX, well after I had made my 24th on time payment that XXXX. 

When I called SPS they stated on the phone they could not verify my payment history and did not have access to it. 

My PMI is eligible for removal, this is a situation I've followed closely for 2 years and their assertions are at best in error and potentially fraudulent. 

I have attached a copy of SPS letter and my payment history as available to me from my bank. 
You can see all my payments are made via the servicers auto-payment program. The payment date in their system is always before the due date and the date shown in the attachment is the posted date to my account which is often different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-01
Company: ALLY FINANCIAL INC.
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I forwarded a check, in the sum of {$100000.00} to ALLY Bank BY XXXX # XXXX for the purpose of opening XXXX accounts, Check was received XXXX XXXX. Since then they have not been able to locate the funds or find out what is going on. 
XXXX supervisor advised that the money was received and that the accounts are being worked on - I asked that he e-mail info to me - but that was days ago and has not happened. 
I have been on the phone with over XXXX " supervisors '' at the bank, but all they want isthe answer to XXXX questions to identify me, DESPITE the fact that I was just transferred to them by the previous worker, who had asked me the same questions. Meanwhile, despite the promises of XXXX supervisors that they are working on the checks and will notify me " just as soon '' as the accounts are opened, I have heard nothing and I just might have fallen off the end of the world. 

I happen to owe ALLY Bank $ XXXX-XXXX on an auto loan but I have already advised them XXXX, UNTIL THEY HAVE FOUND AND DEPOSITIED MY {$100000.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-16
Company: Diversified Consultants, Inc.
State: UT
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:
XXXX is the original creditor. Diversified Consultants, INC. has contacted me during the 30 day dispute time frame. I have two consumer reports showing the exact same date. I have disputed the alleged account with each bureau. The XXXX is reporting and earlier date XXXX. The open date reports XXXX. the investigation notes say the alleged account is with in the fcra guidelines. I spoke with XXXX briefly. they said the information on the debt is valid. I want you to know I have applied for a home loan. and its accounts like this that 's keeping me from that home loan. please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01
Company: SYNCHRONY FINANCIAL
State: ND
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
HH Greg via Synchrony Bank has issued store credit cards in my name that were fraudulently issued to someone else as store credit. HH Greg is the focus of this submission. Syncrony Bank has frozen the account and will be sending me information but this is a follow up to fully document the incident. I have not filed a loss as yet since the representative I spoke with assured me they would be clearing the account from my credit history. I first became aware of the fraud when I received a billing statement on XXXX XXXX, 2015 and called them immediately. I am not claiming a loss on this submission giving Syncrony Bank/Financial Services the opportunity to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-21
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Synchrony Bank, during the month of XXXX 2015 closed my Amazon Credit Card Account XXXX. Synchrony Bank failed to properly provide reasons of why my account was closed ; for this is a violation of the Equal Credit Opportunities Act. For only XXXX reason was given by Synchrony Bank in which it stated the Amazon Credit Card account has been closed due to returned payments. The referenced returned payments were additional payments on the account ; any and all payment that was due for the regular monthly payment were never returned nor has any account been late. 

According to the Equal Credit Opportunities Act Synchrony Bank 's reason was not specific to the account it closed and the reason was only XXXX which did not apply to the referenced account. Due to Synchrony Bank 's discriminatory acts which Synchrony Bank disproportionately utilizes against its minority consumers in violation of the Equal Credit Opportunities Act this has caused me damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I use a payment service to pay my bills ... Always have with pretty much no issues that could n't be resolved. 
I scheduled my ( XXXX ) payment for my Walmart card as I always do but apparently the payment was sent to Walmart a day late. I did n't realize that I was assessed ANOTHER late fee until I got ready to pay my new bill ( XXXX ) that came out. I went ahead and paid my bill ON TIME minus the late fee while disputing the fee with Walmart. After some back and forth they finally reversed the fee but at the same time assessed me ANOTHER late fee because I did n't pay they previous full amount. I explained to them that I was not obligated to pay an amount that was in dispute and they followed up with they ca n't fix it and that I have to pay the full amount. 
I find that not to be true and it to be unfair because of one discrepancy. Now I 'm getting collection calls for basically another late fee that I am refusing to pay. I have asked them to fix this situation to no avail.

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 2015-11-17
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent account was opened in my name by Synchrony Bank/Care Credit. They allowed the opening of this account without contacting me, even though I already had an active account with them. When I protested the account, they removed it from my credit reports, but did NOT remove the hard credit inquiry associated with the opening of the account. I have called their fraud investigative office XXXX times since XXXX, 2015, and yet they have still not removed the fraudulent credit inquiry. I contacted the credit bureau today and was told that only the creditor can remove the inquiry, even though the credit bureau has record of the fraudulent account and an initial fraud alert was added to my account immediately after the opening of the account. Why ca n't inquiries be disputed the same as other mistakes? What recourse do I have when the creditor is uncooperative and/or incompetent and my credit suffers as a result?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-20
Company: Paypal Holdings, Inc
State: LA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
PayPal ... ..Have been using PP for on-line purchases. The first mistake I made was making a purchase from an XXXX  seller in XXXX. Granted, it was only {$36.00}, but I paid for an item I never received. I filed a complaint about not receiving the item with PP after filing a complaint with the seller. Because the seller was able to provide a tracking number, PayPal refused to refund my monies for this very reason. Where is the proof that I received the item?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have disputed this issue with the company ( conns ) multiple times and even reached out to them on three different occasions in regard to this debt the company stated that the debt was in regards to a television which I do n't have and have never had.The debt which is being owed is an extremely large amount which I would NEVER finance for XXXX. Please assist me with getting this collection resolved. I have never even gone to this company and when I asked them how did I get the tv to my home they said that I carried it. how would I ever do that?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
In XX/XX/2014, I paid off some debt, including credit cards financed by Synchrony Bank ( who bought out GE Capital ). After paying off the total balances of several accounts, Synchrony took it upon themselves to close several accounts. Accounts still open had credit limits reduced to the total amount due. All of this was done without prior notice. As a result, my credit took a major reduction in score. I felt penalized for paying off debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Conn's, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I recieve calls just about every hour. I recived 7 calls on XXXX XXXX, 2017. This is just one example. There are many more examples. I recieve these repeated calls even after i talk to them as to when i am sending a payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-17
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I recently had an escrow analysis done by Shellpoint Mortgage servicing. The analysis came back as me owing {$440000.00} due to a shortage in my escrow account. I Knew my shortage was coming. I tried to contact Shellpoint multiple times to try to pay more in my escrow account to offset the eventual increase in my impounds account. Most of the additional money was applied to my principle of my loan, or the money was put in a side account, and nothing was done with it to reduce my shortfall in my impounds account. When I tried to notify Shellpoint about an impending increase in my impounds account, they told me to write a different check for the amount of my shortage for my impounds account, and write Escrow Only on the check a long with my account number. I did everything they ask, and my checks were still applied to my principle. I called them again to speak with someone in escrow regarding my impending increase in my escrow account. They stated all information must go through customer service, and I could not speak with their escrow department. They said I could fax a letter to them about my problem. I faxed a letter to them, and they still did nothing. Eventually Shellpoint refunded all of my excess funds sent to them for the shortage in my impounds account. When I received my analysis recently, I was told if I could n't pay the amount in full, my monthly payments on my mortgage would go up {$800.00} a month more. I would have to pay off the amount owed in my impound account, and play catch up with my shortfall in my impounds account. This is clear evidence of Shellpoint trying to generate debt. By doing so, they would get interest on my impounds shortage, mortgage interest, and of course the amount owed for the shortage. This is clearly an intentional act to get more money from the consumer. Their accounting practices are always behind in what is owed. They hit you with late fees if your are late even if it was their fault. It seems one hand does not know what the other is doing. 
Shellpoint is clearly trying to make customers default by their business practices.

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 2016-08-31
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In the collectors first communication they did not include the statement of the right to dispute the debt within 30 days. The collector reported the debt as valid to the credit bureau before the expiration of 30 days. They continued to report the debt as valid and undisputed to the credit bureau after I disputed the debt and requested validation of the thereof.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-09
Company: Linebarger Goggan Blair & Sampson LLP
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Letter rcvd XXXX/XXXX/XXXX asserting I owe them {$170.00} for a speeding ticket in Iowa dated XXXX/XXXX/XXXX ; which is past the statute of limitations, is 25 % MORE than the alleged judgement, upon calling the debt collector they assert they are not debt collectors and also recorded my call despite repeated req to NOT record ... Insisted on verification of my birth date and social, despite having my caller ID and account already provided, and wanted to argue they werre not acting as debt collectors, despite the XXXX XXXX ATTORNEY stating they ARE ... The letter does not state they are a debt collector attempting to collect a debt, and instruct to only call THEM not Iowa court. The threat of additional action like " contempt of court proceedings '' and that " Bankruptcy does not discharge any court fines or fees due in CRIMINAL cases '' THIS IS NOT A CRIMINAL CASE ITS A SIMPLE SPEEDING TICKET WHICH I WAS NEVER GIVEN DUE PROCESS IN COURT nor ever notified by any entity. IOWA statute clearly states 20 years to collect, and that has expired.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Experian Information Solutions Inc.
State: GA
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:
XXXX, Experian and XXXX are reporting the wrong address and additional credit accounts that I do not own. XXXX, Experian and XXXX have been hacked.

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 2016-01-14
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2015-Checked in one of XXXX hospital 's XXXX XXXX XXXX for XXXX. Was there for about 45 minutes before release. My XXXX was taken three times, XXXX XXXX and XXXX was done, they tried getting me to do an XXXX but I refused. Upon leaving I asked for my bill, they insisted on sending it to my house. I begged the receptionist to at least collect my XXXX % and she did collect {$49.00}. During the course of the next two weeks I received several bills from XXXX hospital, XXXX XXXX Hospital and XXXX XXXX Care all the bills were for the same amount {$1.00}, XXXX. I call the number on the bills and they all led me to XXXX hospital. I provided them with my Insurance Information, XXXX paid them a portion and I paid my remaining portion and it was over with. Exactly 1 year later now, I received this notice from a collection agency, it appears that someone got a Judgment against me for the said amount and sold my information to this collection agency without my being aware of any of this. According to the collection agency this information is already on my credit report. Please help me. 
My Information was sold to XXXX XXXX XXXX. XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX and the one who is now harassing me - Credence Resource Management LLC, XXXX XXXX XXXX, XXXX, XXXX XXXX. Phone : XXXX. They also have a XXXX XXXX. address : XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Phone : XXXX. I do not know any of these people and have never done any business with them. If this his is how XXXX Hospital handles patients private and confidential information it really is a disgrace.

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 2022-01-04
Company: Service Finance Holdings, LLC
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
On XX/XX/21, I had a consultation for finishing my basement and was told about financing offers with a company called XXXX. I was informed of the payment and loan amount. I later received notice that my credit report was requested at 4 different banks/financing companies that I was not made aware of nor agreed to have them request a copy of my credit report. These were Service, XXXX, XXXX  and XXXX and resulted in additional hard inquiries. I have since cancelled my project because of the misinformation on financing and credit pulls.

Company response to consumer: Closed with explanation