BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In XX/XX/XXXX I received a letter from a debt collector Portfolio Recovery Associates stating I owed {$300.00}. I immediately called them to find out why. It was a credit card from XXXX XXXX. I stated I never got a bill and we both looked at the documentation and they were billing a incorrect address. I never once received even the first statement. They had the wrong town of XXXX XXXX CT listed. This address doesnt even exist so all these statements must have been sent back to XXXX XXXX. I asked what the balance was of what I actually purchased and paid it on XX/XX/XXXX on line with the rep. I paid {$130.00}. I asked them to close out the issue as closed but they want all of the rest of the fee amount of {$200.00}. Now this is appearing on all 3 credit reports. I feel that this is irresponsible when even they agree that XXXX XXXX never got the address right or even tried to fix it when portfolio recovery seemed to have no problem at all getting my address correct. This is unfair billing practice. Please close this issue out and remove it from the XXXX credit reports. I have attached a letter that portfolio recovery sent to me from they got from XXXX XXXX XXXX XXXXXXXX credit card company with the invalid address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-02
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage
Sub-issue: Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure

Complaint:
Specialized Loan Services ( SLS ) has been using multiple tactics in an attempt to steal my home. Let me explain.. When I provided proof & documents showing that funds I paid in excess of over {$10000.00} were never applied to my account, I was disregarded and passed from Agent to Agent. This issue was never resolved, so after multiple attempts, it seems I have been robbed of my funds with no accountability from my Mortgage holder. 
In 2023, XXXX of XXXX, provided funds to clear my past due balance and provided me with a few months of payments going forward. SLS stole those funds. They took the money and would not apply it to my mortgage. It was not until I reported the theft to XXXX XXXX XXXX that the money was then applied to my account. That incident was in XXXX, XXXX. 
SLS is purposely misreporting the late months on my credit report.

SLS tricked me by changing my MIR from 3.5 to over 7 %. I had the same interest rate for over 23 years. SLS, never mentioned once that they changed my interest rate, i just found out in XXXX of XXXX. In XX/XX/, SLS marked my home with a Vacant sticker, all while communicating with me once a week and assigning me to a person named XXXX. SLS, hired a 3rd party company to post a notice on my door all while I'm living here! This was an attempt to humiliate and embarrass me among my neighbors, family & any visitors. Another attempt to Bully me out of my home. I reported the Vacant Sticker issue to FHA and per usual, SLS lied & denied but I had my proof. My glass door is also permanently damaged from whatever agent was used to seal it to my door. I have requested for my Lender to replace my door but that has not happened either. SLS, every month, for as long as they have had my loan, has charged me a {$20.00} field service fee to my account. 
I am currently in the XXXX  program and SLS will be issued a check for my past due balance. SLS is very aware that I am in the program and of the process time that it takes. SLS, put me into foreclosure a few days ago, in an attempt to garner more money from the program through fees. SLS has over 8,000 complaints against them. I honestly do not understand how this predatory company is still able to practice and has not been stopped. Everytime I let them know that I am going to report them. I am thrust into or threatened with foreclosure. My Lender has even shamed me for getting additional assistance, The more I complain. The more SLS retaliates against me.

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 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XX/XX/2021 - I noticed accounts on my report that didn't belong to me. I immediately sent in a dispute to XXXX TransUnion, XXXX 

I didn't hear back so I sent on letters again for a demand for a comply XX/XX/2021. 

Today is XX/XX/2021 and Its sad i still haven't even heard back from these Companies yet.

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 2021-03-14
Company: TRUIST FINANCIAL CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
I lived in XXXX and lately I have been scammed online. I was paying a XXXX XXXX for a package of online for a friend. Unfortunately, it turned out that the whole situation was a scammed. 
I made an initial transaction of usd {$3000.00} sending to an account given but made a mistake written my name as the receiver. I cancelled immediately on the same day at my bank ( in a couple of hours ). This occurred on XX/XX/2021 and the banking process was finalised on XX/XX/2021 that the account holder will not release my money. I have spoken to Suntrust Bank, I was unable to solve the issue. 
I have lost usd {$8600.00} to the scammer, the total amount requested which I can not contest as I have sent in his name but the first transaction was sent wrongly under my name and the bank should have hold onto the money as requested by the sender ( me ). 
Please help me to expose these scammers and return {$3000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-04
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/2023, I was informed that my Citi bank account is blocked while I was trying to withdraw money in a bank. The reason they told the tell is that my account is relatively new and it needs additional information verification. Someone will call to verify. However, nobody called me and I got an email saying the bank could not reach out to me. Therefore, I called back several times. After that, they have informed me that they think someone is taking the money from my account, that is why my account is blocked and they need to review the account, they would not unblock it. Knowing the situation, I checked back at the afternoon, and the lady picked up phone transferred me to a specialist. The specialist told me that my account is in the process of closure and if I need the money I could go to a branch and get the money as check. So, I went to a branch immediately and see the banker Im familiar with. He told me that since there is money pending on my account, he could not release the money, but I could check back the next day, everything should be alright. On XX/XX/2023, early in the morning, I went to the branch and checked with a teller. The teller called the department but they would not release the money. Therefore, I made the phone call myself to check what was going on. I made several phone calls, they informed me that I have to wait for 60 days until my account is closed, so they will send out the check to get my money. I explained the situation that I will be leaving US at the end of XXXX and not back until XXXX, I need the money urgently. However, they all said As for now, I need to disconnect this call, thanks. Nobody answer or offer any solution to me, they were all like robots. I decided to see my banker again. My banker tried to call, but everyone picked the phone just transferred the banker to different lines with the saying that Im not responsible for the problem. At the end, no one has answered any of our questions and offered any solution to us.

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 2023-06-13
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have been trying to work with the company regarding this account being on my report that was opened fraudulently WITHOUT MY KNOWLEDGE OR CONSENT. I am a victim of identity theft! It has been over 45 days since I mailed a letter asking for proof of ownership showing my written signature and consent to open this account and NOTHING has been resolved nor sent back to me!!! Reporting Agencies can not furnish accounts WITHOUT my WRITTEN consent! Please block and remove these collections and accounts from my credit report, Pursuant to Section 605B of the Fair Credit Reporting Act, and send the required notifications to the furnishes of this information. 

CREDIT COLLECTION SERV - XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-21
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I put my home on XXXX home modification I was paying the mortgage then all of the sudden they foreclosed on my home and sold. This was around XXXX

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 2023-01-21
Company: WELLS FARGO & COMPANY
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
Back in 2011 Had my lawyer case of $ XXXX And had it for 4 months I traveled to XXXX When coming to the United States again Until checked and only {$600.00} Was left in my account I did not make any large purchases And bank withdrew my money I went to bank and did not get any help Or any information on my account

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 2021-03-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
1. I opened a new checking account XXXX in early XXXX to take advantage of an offer from the Bank of America : Open new account with outside funds for at least {$50000.00}, maintain the balance for 60 days, receive a bonus of {$500.00}. 
2. I followed the conditions with deposits totalling {$50000.00} on XX/XX/XXXX and no withdrawals for the following 60 days from the no-fee account. 
3. Bank of America did NOT follow acceptable or expected rules, since a with withholding on XX/XX/2020 was taken from the account principle rather that from the interest paid that day This lowered the principle momentarily to {$49000.00}. I would not have expected that a deposit to an account with no fees could decrease in value since no withdrawals were taken. 
4. When the account was initiated, I had a phone call with a representative to be sure I followed the procedures to receive the interest bonus. Starting in mid-XXXX of this year I have had 5 more phone calls speaking with various BofA representatives, and each representative has agreed that I satisfied the rules for the promotion and should be credited with the {$500.00} bonus. The most recent call assured me that an account with no fees ( balance over {$10000.00} maintained ) and no withdrawals could never AT ANY TIME decrease in value. I was also assured that withholding is paid out of the interest payment, and it is not taken from the principle. 

I should have received the {$500.00} bonus to my account over two months ago. Bank of America should make good on the bonus offer immediately.

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 2021-03-15
Company: STERLING JEWELERS, INC.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I got an engagement ring on Kay Jewelers on XX/XX/XXXX, got a $ XXXX {$700.00} credit with them and I paid up {$700.00} up front to take out the engagement ring that I wanted. I stopped paying for it & on XX/XX/XXXX they called me supposedly that I got served and that I had to pay almost {$900.00} for it not to escalate for it to go to court. He was pretty insisting on the payment and I told him that I would preferably do it later because I wasn't sure it was legit. He had my SS # and a bit of information on the debt. I want to know if I'm actually being served before I try to pay to a scam.

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 2023-06-13
Company: DISCOVER BANK
State: MA
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:
Unauthorized charges on the credit card. when i made discover aware they did not resolve the unauthorized or fraudulent charges. When i called to resolve this issue multiple times, there was no one in the united sates able to speak with me. I was passed around and ignored. The charges grew in interest and discover has refused to ever resolve this issue. They do not respond to phone anymore, they will simply transfer me to debt collectors. The dispute i did with experian was lacking and did not address the identify theft. Please provide assistance! This happened in XXXX. Discover will not provide or allow me access to my account to provide any supporting evidence or documentation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-23
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
So I sent a letter off on XX/XX/2023. To remove personal Information that I do not want on my credit report. According to the fair credit report act 15 USC 1681. I have the right to privacy. Also according to 15 USC 6802. No financial institution is not suppose to share my personal information to third party people. 
These are clear violations of my federally proceed consumer rights In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ; # XXXX ALL continue to violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2021-03-14
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I am a senior citizen who had Citi Bank Master Card for many years. I always paid my balance in full all the time and my credit is also in good standing position. Today I went to grocery shopping and my card was declined! I went to second store for shopping and that was also declined which was quiet embarrassing experience that I had in my life! 
I called the number printed on the back of the card and I was told that my card was cancelled by them for inactivity! I was not aware of any thing like this. Anyway person named XXXX asked for my personal information to reactivate the card and I made sure that I do not want to pull my credit. 
After taking my information he declined to reactivate my card so I requested to talk to the supervisor in charge. I was directed to talk to the person named XXXX and I again made sure that I am not applying for new credit card and I do not want to have my credit pulled if not necessary and I do not want to apply for new credit card. 
He trapped me and took my personal information as well as my Income Expenses over the phone to reinstate the credit card. At the end he turned around and told me that they will let me know if my card gets reinstated or declined! 
Being a giant credit card company I think its not appropriate to : 1. Deny someone's credit card for nothing!

2. Get personal information and kind of reapplying for reinstating my credit card despite my denial!

3. I was stranded due to Covid-19 situation and also was unable to do my own shopping in person at the stores due to Covid-19. This not right way to treat senior citizen.

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 2021-02-16
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
On more than one occasion Synchrony Bank has inadvertently reduced the limits on my store credit cards from XXXX XXXX XXXX XXXX to go despite me paying over the amounts due and never being 30 days late on these accounts. They have done this and have severely impacted my credit score in reducing my credit card limit saying I am a hazard and Im not. This bank has continuously done this to customers in a middle of a pandemic lowering their credit score and increasing their credit utilization while not not providing any justification for their abrupt actions. I am reporting synchrony bank to the FTC and my state attorney for predatory billing practices and ask that CFPB investigates this throughly

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 2023-09-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I called the fraud department at Transunion and explain that I had noticed some unauthorized inquires on my report or someone applied for something in my name. 

From XXXX XX/XX/23 XXXX  XXXX XX/XX/23 XXXX XXXX  XX/XX/23 XXXX XXXX XX/XX/23

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 2023-08-30
Company: BARCLAYS BANK DELAWARE
State: OR
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I was offered XXXX points to open a Wyndham XXXX XXXX XXXX ( backed by Barclays Bank ) at a timeshare presentation through XXXX XXXX in XXXX XXXX Nevada. I completed all the financial requirements within the timelines given. After waiting the amount of time necessary, for the points to appear and seeing nothing, I contacted customer service. I spoke to them for several hours over 3 or 4 calls and they could not figure out how to link my credit card to an account. Finally, someone gave me a new account number and the card was linked. I waited again and finally called asking when my points would be available for use. I was told they would not give me points as that wasn't the agreement when the card was applied for. Knowing that wasn't true, I asked for a copy of my contract, and a phone number of their legal department. What I received was a call from a relations manager. This person said they would e mail my contract and the phone number ( they haven't and it has been about 3-4 weeks now ), They also said they would look into the agreement through XXXX, where it was applied for, and award XXXX points until the issue was resolved. Today I received a letter saying they are " unable to assist me with the rewards issue '' and to call for further information. I did. The same thing was said, that my contract didn't say spend {$1000.00} in three months for XXXX points. ( this is the same promotion they are still running ) I again asked for a copy of my contract and the phone number of the legal department. I asked that the same customer relations representative call me to explain the steps takes and why I haven't received what I asked for and what I was promised if I changed cards. I specifically applied for this card because of the promotion, and I believe Barclays/Wyndham are in breach of contract. I am waiting for the second phone call as they have 48 hours to respond again.

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