BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-25
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
XXXXComenity Bank XX/XX/XXXX i paid remaining balance of {$63.00} and instructed them to clpse my account. 
I was then charged a {$29.00} fee XX/XX/XXXX I paid that fee I was then charged an additional {$40.00} every month stating late fee and interest and finance charge on top of that.To date I have made NO purchases. I closed the account XX/XX/XXXX They are now stating I owe more than {$300.00} I have stated several times that the account was closed in XX/XX/XXXX by calling and emailing them. My most recent response was someone from XXXX XXXX saying they are handling this account and I owe the money. This is fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-25
Company: Rocket Mortgage, LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have been trying to get a release of lien or a division order signed from Rocket Mortgage for over a year now with no progress at all. They have cost me over {$14000.00}. I have called their office over XXXX times to XXXX different people and not once did any of them answer their phones. If not for a handful of emails, I would have thought they did not really exist. I have been shuffled off to one department after another ; XXXX XXXX | Resolution Advocate Direct : ( XXXX ) XXXX XXXX XXXX XXXX XXXX Direct : ( XXXX ) XXXX XXXX XXXX Senior Special Loans Specialist Rocket Mortgage T ( XXXX ) XXXX XXXX XXXX Servicing Resolution Specialist Rocket Mortgage T ( XXXX ) XXXX None of which answered their respective phones, just to warn you if you try to call. 
Ever day that goes by I loose money and I need a resolution as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: DISCOVER BANK
State: CA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
On XX/XX/XXXX I spoke to XXXX ext. XXXX from Discover student loans. He advised me, that given my situation, if I enrolled into course on a part-time basis in the Fall ( XXXX ), then my past due payment would automatically would become current. He advised that once I sent in the deferment form along with a school registration receipt, then Discover would process my account as current with no negative credit reporting. I faxed the forms he needed two business days later, Tuesday. I then spoke to Discover that following Saturday and was told by a supervisor by the name of XXXX in XXXX XXXX XXXX, Utah, that XXXX was completely wrong and that my account was going to be reported 60 days past due, even if I was enrolled in courses for the Fall. She said she has also reviewed the call that I had with XXXX and that XXXX never said my account would become current. She also said that there was no policy on Discover placing my account current due to being enrolled in classes. Not only did this representative lie to me but she only made the effort to collect the past due payment without regard to my enrollment status. She completely lied about the details she " heard '' in the conversation I had with XXXX and she made this clear that she said I was lieing. I ask that the CFPB review all of these calls and not only have Discover fix late credit reporting but also send me their policy on deferments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
Company engages in predatory lending and intentionally deceptive billing practices. Company encourages enrolling in paperless accounts however does not provide any statements online regarding the status of the account. The website only shows a " next payment amount '' however ( according to their customer service ) it does not include any fees the account may accrue and there is no way of knowing until you get a bill for a lump some of fees they want you to pay. Even if you overpay your monthly cost to cover what the account states are late fees the lender applies those fees to interest instead of paying off said fees ( according to the customer service rep ). I had a hardship and had my car repossessed last year ( XX/XX/XXXX ), paid my balance which included owed and current monthly payments plus the repo fee, yet XX/XX/XXXX they bill me for what is claimed by customer service to be an unpaid repo fee from over a year ago without any documentation to support it meanwhile I've been paying what the company has told me is my payment every month. This is either a fabrication to make more money, or it is predatory lending where they paid themselves more in interest and are now billing me again for something I sent a payment for. My " next payment amount '' never reflected anything other than the regular monthly payment plus any late fees. However, again, when I pay what the company is telling me I owe, they apply the over payment to interest and then lump the late fees that become due at a later date, all of which is not reflected on the website ( or the statements because they do not exist online ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-02
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
XXXX, XXXX, payments were made by XXXX from XXXX XXXX to Barclays, XXXX says they where paid, Barclays says they returned them why I do not know, I do not have the money, it is in Barclays hands last with confirmation from XXXX, each tells me to call the other. Now I am in default and fees and more late fees, this is a real problem now in the holidays, Please advise, My credit score has been knock down by 100 points. 

I will look to the courts next, Thank you.

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 2017-07-24
Company: FEARON FINANCIAL LLC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Received a letter in the mail on XXXX XXXX, 2017 from FEARON FINANCIAL, LLC claiming we applied for a home loan but the property in question was sold a while back. i have not contacted them with regards to this letter & DID NOT apply for any loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: WELLS FARGO & COMPANY
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
this has been the worst experience i have ever had when you complain to wells they do nothing now this loan has been paid off for almost 60 days and they are still reporting as open i went to log in as i thought i was going to have problem with wells par for the course and my log in would not allow me to after spending two hrs on phone getting bounced from place to place they finally told me they shut down my online access because the loan is paid off basically oh well no notice nothing wasted my time yet again now its almost 60 days and i havent received anything from them showing in paid in full no release nothing and its still showing open on my credit reports this is typical of wells when they incorrectly report lates they put them on quickly then never remove them but when its paid in full they do nothing unacceptable

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 2022-06-10
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Authorized Personal Credit Pull Was Initiated On XX/XX/2022 Business Ink I Did Not Give Written Instructions to pull PG on Credit Application, I Was pressured into approving an Personal Credit inquiry Delete Business Inquiry Off Of My PG Personal Credit Report I Would Like To Be Mailed A Copy As Fair Credit Act States Sun Chapter ( 15 USC Sec 1681i A )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10
Company: Harris & Harris, Ltd.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XXXX XXXX2022 Harris and Harris reported a debt on my credit I do not owe, never reached out or cant get in touch with

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
I contacted Navient on XX/XX/18 and spoke with XXXX regarding my private loan repayment options. My loans were going into repayment, and the nearly {$800.00} a month they were asking for was not feasible. I was advised by him that he could get them to {$310.00} a month, but I had do automatic deduction from a checking/savings account. I told him I could not do that, and he advised me that he could not help me any further. 

I contacted Navient again on XX/XX/18 after receiving a letter that my payment was past due, and to contact them so they could work something out. I spoke with XXXX and advised her that I was unable to pay more than {$300.00} a month. She said she didn't know if she could get it to that, that she could fill out a financial form and see. She asked how I would make my payments, and I advised her that I would make my payments on-line. She told me that unless I do automatic deduction from a checking/savings account, they would not help me. She advised me that the loans will go on my credit on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03
Company: BANK OF THE WEST
State: WY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I have a bank of the west checking account. Under this account I have other linked accounts. one of those accounts was closed without my knowledge or consent. Now I would like to use that account and have come to find out it is closed. I was given no warning of this activity, and now upon trying to another account I am told through many prompts that the addition of this account is disabled. I have wasted over an hour inputting my information and clarifying the accuracy of my personal data for this application. In the future I would like to be notified of account activity PRIOR to actions being taken. It is an absolute waste of time and extremely frustrating to fill out an application for 30 mins, then be blocked, then wait on hold for 20 mins for a  representative to tell me that I need to wait until XXXX XXXX  and start over!

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 2022-01-25
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
On XX/XX/XXXX, I placed an order of XXXX pairs of custom printed pajama sets ( top and bottom ) from XXXX. The site said that crafting the item would take 2-5 days. The price was {$130.00}, and I paid using PayPal. 

On XX/XX/XXXX, I had first reached out to the company as the item did not ship. 

On XX/XX/XXXX, I opened a dispute with PayPal On XX/XX/XXXX, I informed PayPal that I had received a package, but it was only XXXX pajama bottoms ( vs. the XXXX top/bottom sets that I had ordered ). Because this was a gift for a party, and the order was wrong, I had to purchase from another merchant. The order was clearly wrong and I asked for a full refund. 

On XX/XX/XXXX, I was informed that my case was closed, with no refund, as " This transaction is ineligible for PayPal Purchase Protection. '' It is my expectation that a payment provide provide Purchase Protection, and PayPal advertises such protection as a feature of the product. It was not made clear what about this specific item did not include the protection, and it was not disclosed to me at the time of purchase that such protection was not available. I believe this omission was deceptive, as I was acting as a reasonable consumer would, and I would not have made this purchase, had I known that PayPal would not offer protection. I believe that PayPal 's practice of advertising protections, but not offering them when a reasonable consumer would expect them, is a deceptive and abusive practice. 

I would like a full refund for this item, and for PayPal to change this practice going forward.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-10
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I was victim of type 0 card and switch accounts, report in I still have JPMorgan institutions account and shares they playing dum

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23
Company: DocuPrep Xpress
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
Docu Prep Xpress reached out to me and stated they were a company who helps with forgiveness. I made approximately 3 months of payments of {$190.00} to come and find out as of today that they dont actually help with student loans. The company explained that I would make payments to them and after a certain amount Paid that they would take care of the whole matter

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-10-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Transunion has not updated its account for XXXX Mastercard and thus my credit score remains lower than the other two credit reporting agencies. XXXX carries a score of ( XXXX ) XXXX ( XXXX ) and Transunion ( XXXX ). As you can see the account has been submitted since XXXX and remains unchanged on Transunion site

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 2022-01-25
Company: Bread Financial Holdings, Inc.
State: NY
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I recently opened an online savings account with Comenity Direct, which I believe is associated with Comenity Capital Bank. An initial amount of {$250.00} was transferred from my XXXX XXXX  checking account and received and posted on XX/XX/2022. After linking my checking account to the Comemity Direct account, an additional amount of {$30000.00} was transferred and received/posted on XX/XX/2022. The present account balance is {$30000.00}. Approximately XX/XX/2022. A letter was received from Comenity Direct indicating that a review of my account revealed potential security concerns and/or irregular activity causing a temporary suspension of the account. The letter stated that additional documentation was required and should be sent to the bank within 14 days. I complied and sent copies of the required documents. On XX/XX/2022 a product support representative, named XXXX messaged me indicating that the documents had been received and were to be forwarded for review. The review would be completed within 1-3 business days ( screenshot copy is attached ). I never received status of what was required. A second letter, dated XX/XX/2022, was received XX/XX/2022. It contained the same information and request stated in the first letter. I am experiencing difficulty with communicating with this financial institution by way of phone conversations and their website account messaging system. In addition, Comenity Direct removed the link of my checking account to the new saving account. I am now unable to transfer funds online. So, I have decided that I do not want to continue doing business with Comenity Direct. I made several phone calls and submitted several website messages directing the bank to close my account and return all funds back to my XXXX XXXX  checking account. It was explained to me, by several representatives, that funds where on hold until XX/XX/2022. On XX/XX/2022, I called and spoke to a representative ( XXXX XXXX and once again requested the closure of the account and return of the total {$30000.00} to my XXXX XXXX  account. The representative confirmed the appropriate required numbers associated with the checking account and then indicated that the funds would be returned within 1-3 business days. Also, I messaged the bank and requested confirmation asking for the dates when the account will be closed and when funds will be available in my checking account. As of this date the bank has not complied. I ask for assistance and help to recover these funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-16
Company: Hauge Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have a a unverified account from HAUGE ASSOCIATES. I had previously disputed this account. I have never done business with HAUGE ASSOCIATES. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that HAUGE ASSOCIATES Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that HAUGE ASSOCIATES Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-24
Company: SYNCHRONY FINANCIAL
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX XXXX XXXX SYNCB/XXXX XXXX XXXX XXXX I am writing to request that the accounts in collection placed on my credit report be removed. Under the Fair Debt Collections Practices Act ( FDCPA ),. I am a victim of ID Theft a Government agency has confirmed this fact. I did not receive any benefit from these accounts. There is no need to request for further identification XXXX XXXX and SYNCB is again violating the Fair Credit Reporting Act they claim to verified these accounts yet have not sent Any Verifiable proof.

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 2018-05-31
Company: Navient Solutions, LLC.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
I have a loan with NAVIENT. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX   and NAVIENT with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/2014.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
On XX/XX/XXXX a collection account was added to my credit report for {$620.00} and another was added on XX/XX/XXXX for {$450.00}. I have sent 3 rounds of validation request letters to Transunion on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. As well as a written complaint on XX/XX/XXXX that both collection agencies had not provided me with proper proof of validation of the debts despite 2 written requests. Transunion responded to my letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Each response letter consisted of a current copy of my credit report stating that these debts had been verified and validated. Transunion has yet to provide any proof of these claims. I never received a copy of an original contract with my signature on it and they haven't given any information as to who the spoke with during the investigations to validate that this debt belongs to me. Transunion is in violation of section 609 of the Fair Credit Reporting Act.

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