BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-04
Company: Merchants Acceptance Corp
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
My husband and I filed Chapter XXXX Bankruptcy on XXXX/XXXX/16 which was discharged XXXX/XXXX/16. Merchants Acceptance was listed as a creditor, did not show to the XXXX hearing, did not contact our attorney during the bankruptcy stay, and after discharge called me and left a recorded voicemail stating that they would only update the credit report once we paid back the loan, or gave them their vacuum back. The company is acting illegally by, violating the bankruptcy stay, bankruptcy Discharge Injunction, and the FCRA by not updating our credit report. The company is in clear violations of the law. The account was discharged in bankruptcy in which I am no longer liable to repay the debt, yet the company fails to CORRECTLY report the account on our credit. As of XXXX/XXXX/16 the account shows delinquent, has a balance, and not included in our Chapter XXXX bankruptcy.

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: SLM CORPORATION
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I am in debt with Sallie Mae and it is a delinquent loan because I have been ACTIVELY looking for work ( no results yet ), but I have an unpaid internship with a company that may hire me. However, Sallie Mae keeps calling on an HOURLY basis ALL week even Sundays after hours ( XXXX ) while I am at church with my family or working.They even had the nerve to ask for my internships number! The tone is demeaning and rude, I feel extremely harassed. Not only that, they have also called my parents at home and at work ( My mom gets calls on her company phone number at work and she is a hairdresser that gets paid by the hour ... so when they call she looses business ), my grandma in another state, and my fiance during classes! I want to pay my loan but until I get the loan re-structured or get a job I can not pay my loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: SLM CORPORATION
State: IL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I would like to know if I am one of the ones that has been charged too much for my loan. I have been paying on it for years, and it just never goes away. I struggle monthly to pay this as I had to have my elderly mom be co-signer and I wo n't make her have to worry about it. I would appreciate any information that you can provide me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CONTRACT CALLERS INC
State: NC
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:
I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.

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 2015-07-23
Company: Advanced Collection Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-30
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
My second mortgage, held by SLS, was converted into a regular mortgage without any notification and at a 5 % interest. This more than doubled my payments overnight.

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 2015-08-22
Company: Fay Servicing, LLC
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried to contact my new mortgage servicing company ( Fay Servicing ) that purchased my loan from XXXX XXXX XXXX. Per their website XXXX I attempted to call them during normal business hours at XXXX at XXXX XXXX central time or XXXX XXXX local time ( mountain ) and the phone message says they are currently closed and gives normal business hours that also say they should currently be open. In addition the mail box for leaving a message so someone can call you back on the next business day is full so I can not even leave a message to have someone contact me. Being closed when you are supposed to be open to help customers makes it very difficult to do business and get help solving issues especially for a customer that just had their loan transferred from a large financial institution to one that has never been heard of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Rewards

Complaint:
Synchrony Bank rewards their Banana Republic Visa credit card holders who have " Luxe '' status with a XXXX % points bonus each calendar quarter, once the quarter is over, and I do have Luxe status. For example, if I earn XXXX points from XX/XX/XXXX-XX/XX/XXXX, then I would receive a XXXX point bonus as well. 

I have called and tried online emailing multiple times with my inquiry, but Synchrony bank has never responded with any sort of explanation other than " nothing is wrong, '' even though I have explained my issue in detail to multiple phone representatives and they have acknowledged it. 

Here is my issue ... XX/XX/XXXX from XX/XX/XXXX to XX/XX/XXXX, the XXXX % bonus they gave me ( and which appeared on my XXXX XXXX statement ) was not nearly equal to XXXX % of the points that I had earned from purchases XXXX XXXX to XXXX XXXX. Here is what I earned : -- On my XXXX XXXX, XXXX statement, I earned XXXX points from purchases in XXXX. 
-- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases -- On my XXXX XXXX, XXXX statement, I earned XXXX more points from purchases. 
-- I also made a lot of purchases from XXXX XXXX to XXXX XXXX, XXXX ( which appeared on my XXXX XXXX statement but still count towards the quarterly bonus since they were " earned '' XX/XX/XXXX ) that earned me XXXX more points Therefore, XX/XX/XXXX, I earned XXXX + XXXX + XXXX + XXXX points, which adds up to XXXX points. Since I earned XXXX points in that quarter, then I should have received 20 % of that, which is XXXX, in bonus points. However, on my XXXX XXXX statement, I received a " Quarterly XXXX 20 % Bonus Points '' of only XXXX. So taking the difference between XXXX and XXXX, Synchrony Bank still owes me XXXX rewards points. I have explained this to them, and after investigating either I have gotten no response, or a superficial " everything is correct '' response. Clearly, though, I have not received a bonus of XXXX % of my earned rewards XX/XX/XXXX, and I would like to have them applied to my account, without having to wait any further.

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 2015-06-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Synchrony Bank charged my account a withholding fee of {$19.00} because they said they did not receive my signature card in time. I actually sent XXXX signature cards on XXXX different occasions as soon as I received the requests from Synchrony. Their Customer Service rep. admitted that they moved their offices to XXXX, GA during this period and that receipt of mail was delayed. They now tell me that my account will not be credited until the end of the calendar year per Federal Law. I feel that this was not my fault and that I should be immediately credited.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They have called at least 16 times from an " Unknown '' number, XXXX I asked they do not call from an unknown number, I will not share information with anyone who will not identify who they are calling from. Since the XXXX I have been contacted 11 times, XXXX they left a voicemail, XXXX they called 4 times, the fourth time I answered and asked them to stop calling. XXXX they called 3 times, the third time I answered and told them to stop calling. XXXX they called 4 times, the 4th time again I answered and had a discussion with the manager about why I was being contacted so frequently.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One send me a check book to use on my credit card ( only ). They did not tell that all purchases after that will not have the XXXX day grace period for interest, or that I had to pay the check book check first before I could pay the high interest charges! I call them and they said they told people who call! Well I did not call I just took the checks in the mail has face value! They got me! Help me please!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: Dyck-O'Neal, Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other

Complaint:
I have paid money every month {$100.00} or {$210.00} every month for 3+ years on time to be applied to the principal. I work XXXX jobs, care for XXXX children and had the payments on auto pay, I finally checked my balance and realized that the balance had not really gone down. Plus I was being charged this superfluous " membership fee '' of {$3.00} each month, unbeknownst, unauthorized, and unwanted. I sent a letter requesting immediate credit for payments on the principal and refund of the membership fee to be either refunded or applied to principal balance. This is Capitol One " credit card '' and I took it out of my wallet as they fraudulently charged me fees and misappropriated funds that were to go to the principal balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I APPLIED FOR A CREDIT LINE INCREASE WITH CAPITAL ONE. THE DENIAL REASON INDICATED " YOUR AVERAGE MONTHLY PAYMENT IS TOO LOW ''. I HAVE CONSISTENTLY PAID MY MONTHLY PAYMENT ON TIME AS WELL AS PAID MORE THAN THE REQUIRED MINIMUM PAYMENT UPON BILLING CYCLE. MY CREDIT CARD ACCOUNT IS INTEREST FREE, THUS THERE WAS NO INCLINATION TO RUSH TO PAY OFF ACCOUNT, ALTHOUGH I MADE MORE THAN THE REQUIRED MINIMUM AMOUNT DUE. THE PROBLEM SEEMS TO BE THAT I HAVE MADE SEVERAL SMALL INTERMITTENT PAYMENTS, WHICH ARE BEING TAKEN INTO CONSIDERATION. HENCE, THE " TOO LOW MONTHLY PAYMENT '' RATIONALE FOR DENIAL. THE SMALL PAYMENTS I MADE WERE NOT REQUIRED. THEY WERE SIMPLY DISCRETIONARY PAYMENTS WHICH I HAD NO IDEA WOULD POSE A NEGATIVE IMPACT UPON EVALUATION FOR A CREDIT LINE INCREASE. I HAVE PAID MORE THAN THE ACTUAL REQUIRED MINIMUM PAYMENT EVERY STATEMENT PERIOD. CAPITAL ONE HAS DEMONSTRATED UNFAIR CONSUMER PRACTICES BY CONSIDERING MY PAYMENTS WHICH ARE NOT REQUIRED OR RELEVANT TO MY ACTUAL REQUIRED BILLING STATEMENT. FURTHERMORE, THE SMALL PAYMENTS DO NOT INFLUENCE MY CREDIT REPORT IF THEY ARE NOT RELEVANT TO AN ACTUAL REQUIRED PAYMENT. THE DENIAL REASON IS NOT SUBSTANTIATED BY FACTS. A REVIEW OF MY ACCOUNT CLEARLY REFLECTS THAT I HAVE PAID MORE THAN THE MINIMUM PAYMENTHE UPON BILLING CYCLE. ANY OTHER PAYMENTS MADE ON ACCOUNT OUTSIDE OF BILLING CYCLE SHOULD NOT HAVE BEEN USED AS AS A BASIS FOR " LOW PAYMENT '' DENIAL REASONS. NOT TO MENTION, SMALLER PAYMENTS WERE DISCRETIONARY. I APPLIED FOR AN AUTOMATED CREDIT LINE INCREASE ON XXXX/XXXX/16 AND WAS APPROVED FOR {$750.00}, BUT I DECLINED OFFER AND DECIDED TO WAIT. I REQUESTED A CREDIT LIMIT INCREASE FOR THE SAME ACCOUNT ON XXXX/XXXX/16 AFTER CHANGING MY MIND FROM PREVIOUS XXXX/XXXX/16 REQUEST AND RECEIVED THE DENIAL REASON WHICH I AM DISPUTING. I WAS APPROVED UPON REVIEW OF THE SAME PAYMENT HISTORY FOR A CREDIT LIMIT INCREASE ON XXXX/XXXX/16, BUT DENIED ON XXXX/XXXX/16 UPON RESUBMISSION.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22
Company: Experian Information Solutions Inc.
State: IA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
On XXXX/XXXX/16, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.

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 2023-09-05
Company: BMW Financial Services NA, LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
Paid my loan off a year ago. BMW financial has yet to provide me my title. They say they released it, but they will not take any responsibility for furnishing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
When I first applied for my Capital One card, I was told that if I 'd made timely payments on it for 6 months, I would be eligible for a credit limit increase. After making 6 months of timely payments, I saw no increase. I was XXXX for training with the XXXX XXXX soon thereafter, and missed a payment deadline ( as I had no access to a cell phone or internet device ). I contacted a member of my XXXX XXXX XXXX ( financial assistance ), who relayed my concerns to Capital One. It was my assumption that Capital One would understand my circumstances ( that my inability to pay was due to no fault of my own ), and reflect this information on my credit score, after I had paid my balance. Upon paying my balance, my credit score reflects XXXX late payment in XXXX, similar to as if I had simply not cared about paying for my credit card statement. My credit score suffered. 

In early XXXX, I authorized an auto-bill pay on this Capital One card. I was in the process of receiving a new debit card from XXXX XXXX when my payment was due for Capital One. My payment was declined and bounced back to Capital One, who never informed me that my payment had bounced. When I saw twice my credit limit being charged for next month 's bill, I sought to dispute the transaction. Only after ( two or three months later ) I had gone to the physical branch, did they tell me my payment had not cleared and that I was being assessed two months worth of credit card debt. I then paid, but after my credit score dropped significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
My wife and I have separate accounts at XXXX an XXXX company ( They would n't let us combine them ) My wife 's yearly payment came due. For some unknown reason They used my credit card to pay her yearly bill. A card I did n't even know existed. It 's a capital one card ending on XXXX that was activated years earlier accidently an never used. It was not the credit card my wife was using to pay her account. Nor was I using it at all, ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have been receiving incessant phone calls from Capital One, for a man named XXXX XXXX, who owned the telephone number before me that I now have. I have told each representative that I have spoken to, that I do not know XXXX XXXX, he does not live in my home, and that I now have the phone number that was once associated with XXXX XXXX. Each representative has assured me, there have been at least XXXX, that the number would be taken out of the system and I would no longer receive phone calls for the debt. However, I still continue to receive the harassing telephone calls. I told every representative that if I received another telephone call I would file a complaint, and no one is taking me seriously, or taking the necessary steps to remove my telephone number from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Fraud or scam

Complaint:
Received check fro Capital One, LLC for {$2400.00}. No letter with explanation. Check says refund but also says Expense check accounts payable, Called numerous people in capital One-all clueless. Routing numbers on bottom are for Capitol One, NA XXXX XXXX, LA XXXX. 
Guess its a scam? But ca n't figure out how it works. No money being asked from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-01
Company: Chaparral Inc
State: OH
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Good evening team, I 'm filing a complaint on behalf of XXXX and since I co signed on the loan I feel the need to let your agency know how we are being treated. My wife lost her job XX/XX/XXXX due to health reasons. We continued to pay North coast according to our loans terms all the way through XX/XX/XXXX/ XX/XX/XXXX of this year until it became impossible to keep up with the loan term due to us losing an income and having XXXX children to cloth and feed and provide housing and on top of all the medical bills. XXXX, decided to do a voluntary repossession around XX/XX/XXXX/ XX/XX/XXXX some time after agreeing to do this with North coast they told us once the sell vehicle they will call and set up the remaining balance to pay monthly and drop the interest rate to XXXX %. XXXX, heard from Northcoast from the time they came and picked up the vehicle until they pending auction sale and they told us we had to pay {$150.00} to keep our account current and XXXX paid the {$150.00} and that 's the last I heard from Northcoast until Monday XX/XX/XXXX when XXXX called me and demanded a payment because we agreed to make a payment on XX/XX/XXXX ( XXXX to me ) the last I heard was that we were waiting for them to apply the amount they received from the auction ( if they sent something somewhere I never received anything. On the XXXX when they called me at work I was threated by XXXX to make a payment by the XXXX or else. She threaten to send my loan to their legal department. Caught me off guard because I thought we were waiting to finalize the new terms with the minus auction amount. XXXX customer service to say the least is not how a consumer should be treated when we are willing to settle the balance. I just feel getting threating calls at work is not acceptable and embarrassing for me at my employer where I hold position where I lead. I want to pay the debt but the threats is uncalled for. I even offered to pay the amount due on my next pay on XX/XX/XXXX to avoid any issues. I just want Northcoast to be transparent in regards to what monthly payment is due and how much because I was never informed and I ca n't speak for XXXX. If you want to hold me responsible I need to be informed what is owed and not be threaten to be sent to their legal department. I offered to pay on XX/XX/XXXX but they refused.

Company response to consumer: Closed with explanation