BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-12-12
Company: CAVALRY INVESTMENTS, LLC
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
On the XX/XX/2020 I was sent a letter by cavalry stating they purchase the debt from the original creditor and I had 30 days to dispute the validity of the debt. I responded back with 2 validation letters in accordance to the letters that was sent on XX/XX/2020 and XX/XX/2020 from their company. I ask them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. None of those items I requested were provided. In addition to that, they stated that the dispute that was sent was lacking specific information and they couldn't conduct a investigation. This was very confusing because I specifically ask for them to provide the original contract, amounts that they say is owed, transactions, signatures, and license to legally allow them to collect in my state. The final straw was when they said they will respond in writing in 150 days from the letter that was sent. Not only have they violated my rights as a consumer but also the rights under FDCP ACT. They have affected my ability to purchase an home due to their inaccurate and false reporting which has resulted in my credit score being negatively impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-05
Company: LoanCare, LLC
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
PMI/MI request to end payment of PMI from my mortgage. XX/XX/XXXX is 5  years from the closing, I 've made multiple request to have it dropped but 6 weeks later they will not remove it or explain why? They call it MI ( mortgage insurance ) so i send a request to drop MI on XX/XX/XXXX with no response. Here are multiple reference # or LTK # 's that should help : Your reference/ticket number is XXXX, Reference number : XXXX, original ref # XXXX The latest problem is that they DID NOT pay my taxes in time & are delinquent w/ fees & interest. Who is responsible for there mistake? XX/XX/XXXX. Now i check my mortgage statement & it increased {$17.00} per month but my taxes dropped & no explanation of my fluctuating fixed mortgage payment.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX  VA XXXX XXXX they are my new mortgage company as of XX/XX/XXXX this year XX/XX/XXXX, transferred from XXXX XXXX. I XXXX  loancare complaints & 186 complaints on Loancare about customer service & billing. This company has done the same thing to me as they have done to many other customers. This company should be shut down for fraud!

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 2023-01-19
Company: EQUIFAX, INC.
State: LA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Getting a loan

Complaint:
15 USC 1601 1681b2 6802 Consumer privacy laws state confidential information such as transactions, history utilization and statements are excluded from Consumer/Credit Reports . Please delete cease and desist XXXX. Delete XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX  XXXX  XXXX as well as Any Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: TN
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:
I filed a dispute with Experian for an account on my credit report with incorrect information. The account was with XXXX XXXX. This account has been paid and closed since XX/XX/XXXX. Experian and XXXX both report that this account is in " good standing '' as of XX/XX/XXXX. Then " charged off '' the months following. This " good standing '' being reported for XX/XX/XXXX makes it seem like I have an open account with them and then stopped paying. Resulting in my credit score being lowered and me getting denied for credit cards. I contacted XXXX XXXX and all they did was mail me proof that the account was paid and closed in XX/XX/XXXX. I then called Experian and told them exactly what the error was and they still did not correct the issue. I have uploaded a screenshot from Experian 's app showing the error being reported for XX/XX/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 2018-04-13
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I purchased a washer through Sears under their credit program 12-months same as cash. In order to avoid service charges I needed to pay in full by XX/XX/XXXX. I ended up making two payments to pay the balance due ; the first on XX/XX/XXXX for {$220.00} and the second on XX/XX/XXXX for {$220.00}, and both payments were sent electronically via my online banking bill pay account. 

The first issue is that I received a bill immediately after for the amount of interest that had accrued IF had I not paid the account in full. I complained and Sears credited that amount, but the problem that within that time an extra amount of interest was applied. 

I tired to explain that this was their error and they should bring my balance to XXXX, but I've been going back and forth. It's a small amount ( probably XXXX XXXX- {$15.00} ), so it's not the fee, but the principal. They are not holding up their end of the agreement. 

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 monetary relief
Consumer complaint received 2018-07-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA
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:
I opened a XXXX dollar secured credit card with XXXX XXXX in XX/XX/2016. In XX/XX/2016 my balance was XXXX I called XXXX XXXX and closed the account and told them to apply my XXXX to the balance. Close the card and send me the balance. I never received any money from them. I recently signed up for XXXX XXXX and found they have been reporting the account in a negative status ever since and eventually as a charge off. I want them to stop reporting anything about me to any credit bureau.

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 2020-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
Dear CFPB Representative, I have been a Bank of America customer since XXXX. On XX/XX/XXXX, I tried to purchase {$4200.00} worth of merchandise on my credit card that had a {$5100.00} limit. Bank of America immediately stopped the transaction and asked me to call for verification, which I did. They sent me a letter a week later stating that they decided to close my account because of " recent transaction activity on this account '' and " sufficient balances on your revolving credit lines. '' I have no balances on any of my credit lines. They stated they got my score ( XXXX ) and credit report from XXXX. I have no other debts. When I called them to ask why they would chose to close an account during these unprecedented times when we are reliable on credit cards, I received no explanation other than they have the right to close my account at any time. Although the step they have taken might not be illegal, it's unethical at best, at even borders on discrimination. The representatives that I spoke with with first to verify my transaction, had a condescending tone and patronized me several times.

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 2019-08-29
Company: LoanCare, LLC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I am trying to receive a monthly statement about my mortgage. Yesterday, I called twice, and was told both times that an email was sent, but no email has arrived. 
I asked if I must go through the process of calling repeatedly every month, and was told, " Yes ''. I asked for an explanation, and was told it is a rule. This does not comply with the Periodic Statement Rule of the U.S. government. 
Also there is not a way to communicate via email with this company ; this also does not comply with the rule.

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 2020-01-30
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I.C.Systems Inc has a debt for XXXX dollars that XXXX XXXX has for XXXX dollars that XXXX has for XXXX dollars all 3 company 's are trying to collect this debt none respond to validate debt yet the dispute I have filed was not completed all remain on credit reports.

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 2021-03-25
Company: EQUIFAX, INC.
State: FL
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:
Recently the bankruptcy case # XXXX XXXX has been removed from the XXXX XXXX database as proven by the consumer statement as of XX/XX/2021 that is attached to this letter. 
XXXX XXXX is the reporting agency for US bankruptcy courts and did not verify the bankruptcy as stated by Equifax and XXXX, as it has been removed from their database. 
Please remove this bankruptcy from my credit report, as it already has been removed from XXXX. 
I will continue to file complaints with the consumer protection financial bureau as well as a few other agencies as this bankruptcy is causing financial losses to myself and my family. 
Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 and following ), you may sue a credit reporting agency for negligent or willful noncompliance with the law within two years after you discover the harmful behavior or within five years after the harmful behavior occurs, whichever is sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-29
Company: ABR Recovery Services LLC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ABR Recovery Services LLC refuses to address BOTH accounts they are reporting to XXXX. I will put a complaint out every single day until it is rectified. I will send a complaint to the Attorney General of California until they are federally investigated. I will do whatever it takes from here on out to get these fraudulent re-aged accounts off of my credit profile. 
I am attaching both accounts listed on my credit report that you guys keep changing dates on. I want a FULL explanation of both accounts. When they were opened, when they were charged off and the exact amounts of BOTH accounts. Until I get an explanation of both accounts, and why one the newest account I wasnt notified and just landed on my credit report 2 months ago, I will pursue this until the end. 
PLEASE SEE ATTACHED CREDIT REPORT PAGES SHOWING BOTH ACCOUNTS. SEND ME A COMPLETE EXPLANATION ON BOTH ACCOUNTS AND DATES!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: Terrill Outsourcing Group
State: DE
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XX/XX/2019, I received a letter from Superlative RM ( see attachment ) trying to collect a debt apparently posted by the company XXXX XXXX XXXX XXXX. I have never heard of nor dealt with XXXX XXXX XXXX XXXX. Considering that my credit information has been and remains permanently frozen, I must question whether any debt was ever incurred in the first place short of extreme lack of due diligence on the part of XXXX XXXX XXXX XXXX. I am further aware of no debt with any company or person on my part short of credit cards which I pay off in full every month rather than carry a balance. I have not communicated with either Superlative RM or XXXX XXXX XXXX XXXX since the whole experience and rather threatening tone of Superlative RM 's letter has the feel a scam that could only grow if fed any personal information. XXXX   Superlative RM on the internet turns up not only numerous complaints but also a law firm specializing in dealing with problems with Superlative RM. Street view on XXXX maps of Suplerlative RM 's address shows a small, nondescript, unlabeled building behind a cinder block wall further reinforcing the unsavory impression of Superlative RM 's letter and its content.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Charged fees or interest you didn't expect

Complaint:
I have been paying XXXX XXXX every month and I am so called current after paying them for a year. I took out the title loan in XX/XX/2018. What's insane is that I have tried to settle and they tell me after paying over 3000 that I would need to pay atleast an additional XXXX. Which is the total price of the loan. I am a XXXX vet and a single father of a XXXX year old. I'm on a fixed income and took out the loan because of an emergency. However. They threaten to repossess my car after being 2 weeks late. Also they ask me the reason I am late and I tell them my issues and they don't try to work anything out. I'm stressed and this situation isn't getting any better. I'm current but I'm being charged $ XXXX/day if I'm late but am told that I have a 10 grace period. It's not a grace period and different people tell me different things when I call. The agents told me that they are not supposed to send me my bill and what is exactly owed. I was finally provided that document II can't keep paying {$310.00} a month for years to come. I have already paid the loan with over {$400.00} interest which seems to go up every month. 
I was also told my interest rate would be at 7 % but apparently its over 140 % plus late fees!!!. I still owe the amount I started with because of the interest and late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: CBC Companies, Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have requested my consumer report several times with Innovis in XXXX, XXXX and XXXX of 2020 and still have failed to receive it. I have requested it on there website and by mailing a letter with no response. I want my consumer report mailed to me immediately as it is my right as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: SYNCHRONY FINANCIAL
State: FL
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:
Yesterday I received an email from Synchrony Bank stating that the XXXX  MasterCard program was coming to an end and that next month, all XXXX MasterCards would be closed.

I did some research, and when this happened not that long ago with there Toys'R'Us card, they gave there card holders the option to change to a non branded Synchrony Bank Card . 

Today, I called and I spoke with one of there customer service reps XXXX, I asked if this was an option for my account, and his response was to just apply for a new one. I explained that closing out credit cards, hurts your credit score. I also explained opening new credit cards can hurt your credit score. He continued to read from a script. 

I understand that partnerships end, that being said, Synchrony has a history of offering alternative solutions. Why is it not being offered here?

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 2020-05-12
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I received a phone call in late XXXX or early XXXX from a so called collection company named XXXX and XXXX. They claimed that I owed First Cash $ XXXX and that a process server would be coming to my home. He later went on to stat that if I paid that day that would keep me from getting served. I was told that I could settle for {$590.00}. I was told that I could set up a payment arrangement for {$210.00} a month. The {$210.00} was being taken out of my account every month up until XXXX, but thats when I received a notification on my credit report, from another collection agency ( XXXX XXXX ) stating that they too were collecting for First Cash, in the amount of {$440.00}. So I called the actual First Cash collections department and they were able to verify that exact amount. I was also able to verify the debt collector ( XXXX XXXX ). So I tried reaching out to the other so called collection agency XXXX and XXXX but I didn't really get any response. I tried looking up their website but it all just seemed fake. So I have been being scammed out of {$210.00} a month since XX/XX/2020. I have changed my debit card and account so that they can't continue to take money from it. They use a company called XXXX XXXX XXXX to withdraw the money from my account. As of right now I have paid the full amount to XXXX XXXX for First Cash, so that account is paid and full. At this point I guess all that I can do is ignore XXXX and XXXX if they decide to try and contact me for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-07
Company: EQUIFAX, INC.
State: GA
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:
On XXXX I sent a letter regarding inaccurate and unknown derogatory items on my credit profile that does not belong to me. A XXXX XXXX XXXX collection ( opened on XX/XX/XXXX ), XXXX XXXX ( Original Creditor : Progress Insurance ) collection opened on XX/XX/XXXX, and a collection from XX/XX/XXXX for {$790.00} from a medical creditor. It has been over 60 says and I have not received a response yet. I feel that I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, It has been over 60 days so the items should be deleted promptly. I demand that those accounts be deleted immediately or I will file litigation due to the overwhelming stress you have caused me. My personal information was impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-29
Company: BB&T CORPORATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
BBT REFUED TO INVESTIGATE AND ACCOUNT THATS DO NOT BELONGS TO ME BUT WAS USED TO PAYA XXXX ACCOUNT FROM XXXX ACCOUNT CLEARLY NOT MY ACCOUNT XXXX SAY I AM4 MONTHS BEHIND ON PAYMENT MY SCORE DROPPED 50 POINT THIS IS NOT MY ACCPUNT NEITHER ONE

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 2019-08-29
Company: Navient Solutions, LLC.
State: DE
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
Navient calls me more excessively everyday to work on getting my account current. I have expressed to them multiple times, that I am going through a rough personal time but they do not see to care. 

Sunday, XX/XX/XXXX @ XXXX Monday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX Tuesday, XX/XX/XXXX @ XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX The above is a list of the last three days worth of phones. That is nuts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: Experian Information Solutions Inc.
State: CT
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: Investigation took more than 30 days

Complaint:
The last time I sent out my dispute letters was on XX/XX/2020. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/2020. 
Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by ( date ), then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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