BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-02-03
Company: CITIBANK, N.A.
State: NJ
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 have never been late on my XXXX XXXX account ending in XXXX and always kept the balance low. This is insane because I worked hard to keep my account open. My social security number is XXXX and my SSN is 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 2020-11-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
My credit score was harmed My hippa rights were violated

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 2018-03-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX/Wal-Mart opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to XXXX XXXX XXXX, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to XXXX XXXX XXXX demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.

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 2022-02-02
Company: INTERCONTINENTAL CAPITAL GROUP
State: WI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We refinanced with Intercontinental Capital Group XXXX Inc DBA Proven Mortgage last year in XXXX. Previously, we were making {$2100.00} payments on our new construction home for the year XXXX with a different mortgage company, with appropriate escrow included for taxes and escrow cushion. We were set up with the correct amount for mortgage payment, PMI, and escrow in our monthly payment with a little surplus to be sent back to us. Intercontinental Capital Group , Inc reached out to us with a refinance opportunity. We talked on the phone with an agent who told us that Intercontinental Capital Group , Inc could get us a better rate and lower our monthly payment to {$1600.00}. They did all the math to show us that this would be our new monthly payment. We now understand that they assumed the escrow payment to be only {$2300.00}, which is what we paid in taxes for only 4 months of the last year ( XXXX ). They did not estimate for the full year in order to show us a lower monthly payment and get us to refinance with them. If they had done the math correctly and had been honest we would have only saved {$80.00} a month and not refinanced with them. Once we completed the refinance, they immediately sold our loan and disappeared. We have contacted the number provided to us by the agent and Intercontinental Capital Group , Inc did not answer the phone and stated they had no idea where our refinance documents were or who serviced us. We now owe an unexpected {$7000.00} this year to make up for the escrow that was not calculated by Intercontinental Capital Group XXXX Inc and our new mortgage payment is not much of a better deal than it was before the refinance. We have been deceived and our escrow was mishandled leaving us in a difficult situation of paying out {$7000.00} which we do not have or paying an extra {$1000.00} a month which drastically impacts our quality of life with our two children. If we had stuck with the original mortgage company and did not refinance we would have been fine, but because we refinanced with Intercontinental Capital Group , Inc, we have financial damages to deal with for the year of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I know that I was wrongly charged {$19.00} by XXXX on XX/XX/XXXX around XXXX XXXX. Pacific time. I have previously made a complaint about being charged {$1.00} exactly on XX/XX/XXXX for some reason and I have never even heard of you guys before so I would like this taken care of or reversed before I have to go to my bank and take it further, granted it is only {$20.00} however my account is now negative because of you guys so I'm royally XXXX off.

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 2018-03-22
Company: Ad Astra Recovery Services Inc
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2014 .AMOUNTS ARE $ XXXX.THIS IS PAYDAY LOAN. I DID NOT LOAN IT. IT WAS NOT MY SOCIAL SECURITY NUMBER ALSO. I DID NOT KNOW THEY WERE HAVING TO REPORT TO THREE COMPANIES CREDIT THAT I OWERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-06
Company: Action Revenue Recovery, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have 3 different collections with this company that can not verify the collections they say I owe one for XXXX another for XXXX an lastly one for XXXX I would just like them to take them off all 3 credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-17
Company: Early Warning Services, LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have reached out to this company 2-3 times. They removed some of the information that was on there. I was not even old enough to have a account with the things that they removed. Now I am fighting to get the rest off. I am not asking them I am begging them I feel like I have no life at this point because I can't get anything done our even use my own name. I have written everyone I know how to write .I am so clueless & frustrated about this issue I am hoping this letter reaches the right hands. My last hope is to reach out to the news station & social media if I can't get help from this letter. I am sending ALL of the paperwork that I have I was in XXXX when these accounts were open. I walked in on my husband & sister having XXXX I hit him in the head with a bat she ran out the door I couldn't get her. The police were called I went to jail, this is " NOT '' the first time that my sister has used my information. I went through XXXX trying to clear my name with credit card companies last time & I finally did. I am sending information showing & proving that it was no way possible that I could be in two places at one time. I am not asking I am begging that you please remove XXXX XXXX, XXXX & XXXX XXXX I ( DID NOT ) HAVE these account I have never had a account with them. It is impossible for me to be in two places at one time a XXXX is XXXX down unless I had a clone or turned in to a ghost. I received 6 years in XXXX for XXXX XXXX on a family member. I just recently was released in XXXX I am still working on other banks & credit cards to be cleared my cousin has helped me a great deal while I was XXXX  reaching out to most of these companies. I am reaching out to all of the company 's that are left on my credit file & my bank report. This is horrible I feel XXXX & robbed I can't even use my OWN name. I am taking ALL of the precautions I put a block on my credit report, filed police reports, flagged my name with every company known to man. I was brought up in a family where I had lights in my name at the age of 6 years old. Right now I am trying to piece my life back together about some of these companies treat the VICTIM like the criminal this is just outrages. 
My sister name is XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX ... If it was not for my cousin helping put blocks on my info while I was in jail I don't know where my life would be right now. I just want my OWN identity back PLEASE.. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Tx XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25
Company: eCon Credit LP
State: MO
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 an account with XXXX XXXX, and XXXX XXXX in XX/XX/2020. I set up auto pay, and for 2 months the payments were deducted without a problem. In the 3rd month XXXX XXXX and XXXX the payments were not deducted, and the ability to make the payments was not allowed on the website, In addition no one will answer the phone when you call them. As a result there are now 2-90 day late payments from NATIONWIDE ACCEPTANCE which is the loan servicer for XXXX XXXX, and XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-11
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
On XX/XX/XXXX on this year.usaa isclosing my account and are refusing to close my account until 60days and I don't owe them anything. I can't pay my bills or feed my family. I am a XXXX XXXX veteran. And this is crazy.can I please get help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I found a credit card on my credit report that I have no knowledge of opening. The card is from XXXX   opened on XX/XX/XXXX in the amount of {$280.00}. The account was sold to Portfolio Recovery Associates, They are reporting it on XX/XX/XXXX. On XX/XX/XXXX I filed an Identity Theft Report with the FTC and called the local police. The police said they needed info from the creditor or debt buyer as to determine where the account was opened before they were able to file a report. On XX/XX/XXXX I sent a FACTA letter to Portfolio Recovery Associates demanding information on this ID theft account, and they did not reply with all information requested and delete this from my credit files. Instead, they asked for more information, and reported the Account as " disputed '' under the FCRA requirements. I also contacted XXXX XXXX with a FACTA claim of ID theft, and they have removed this account from my credit files and deleted the reporting with all agencies instead of providing info I requested from them. I filed a complaint with the Office of the Comptroller of the Currency. I've attempted to file FACTA claims thru the Credit reporting agencies, but they will not accept my dispute without a police report. I can't provide any proof unless I have enough account details to be able to file a police report, I've attempted this and the Police will not take my report without sufficient details.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-22
Company: SYNCHRONY FINANCIAL
State: VA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I contacted XXXX XXXX XXXX on approximately around XX/XX/2018 to set up a payment plan to start paying this debt off. I offered $ XXXX  monthly and the personnel on the phone refused the amount unless a larger sum was paid upfront. I explained to the representative that I did not have that type of money to make a large sum payment. He refused to take the {$150.00} and said that legal action would occur. I try to contact agency back a day later without success.

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 2019-04-17
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
On XX/XX/XXXX at or about XXXX XXXX, a call was placed to American Express customer service to request a lower interest rate. Spoke to a person whose name XXXX ( person had an accent not completely sure ) who suggested I change from the American Express Blue to the American Express Every Day Card. I agreed on the condition that I could get a lower fixed rate. Was offered 16 %, requested lower. Person explained that interest rate would be a particular plus price. The next offer was 14 %. Reiterated that I was looking for a fixed rate. I was assured that the new interest rate on the new card would be 14 % fixed as this was my condition to change my card to the Every Day Card. Based on this information I agreed to change from American Express Blue to American Express EverDay. Knowing this call was recorded I went over the terms of the card several times. At the end of the transaction all parties were in agreement that the interest rate would be fixed at 14 %. Received the first bill, int rate was as agreed. Upon receiving the second bill, interest rate was now 14.25 % not the terms I agreed to. Complaint filed in XXXX. reiterated the agreed upon terms. The matter would be researched, tape of telephone conversation would be reviewed. Was offered XXXX credit to compensate for the rise in interest rate. Called back on XX/XX/XXXX to check the resolution and was told to call back in another week. Called back on XX/XX/XXXX. XXXX stated that there was no complaint, he explained that he prime rate increased, interest rate can not be fixed. Explained that was not what I was told when I agreed to the new card. I was assured that the interest rate would be 14 % fixed. He then verified that a complaint was filed and closed on XX/XX/XXXX with no resolution. Requested the termination of my account as this was not what was agreed to. I was assured 14 % fixed and expected American Express to honor the agreement on XX/XX/XXXX. Called was transferred to XXXX to close the account. She set up another complaint stating the tape of the phone call would be listened to to determine if I was told the interest rate would 14 % fixed and in which case they would honor the promise. She explained that the customer service made his statements in error based on my complaint. I told her this was supposed to be done back in XXXX. Requested I call back in 5-7 business days to check on the resolution. On XX/XX/XXXX, called and spoke XXXX. Tape was listened to, there was no error. Once again attempted to explained how interest is tied to the prime rate. Asked her to stop her explanation as I stand by what I was told on XX/XX/XXXX and that my account is to be terminated. Any and all charges were to cease immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-17
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I was a victum of a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. Around XX/XX/2016 he contacted me through a social media called " XXXX XXXX  '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX NJ Stated he was an international interior designer. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX with son and things kept happening. His wallet got stolen and had no money, need money for food, father was sick needed money for medical bills, father died needed money for funeral. Had no money so claimed doctor took his son to XXXX with him. Needed money to feed son. I have been still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Moneygram I have sent money to XXXX XXXX Louisiana, XXXX XXXX to XXXX, XXXX XXXX Texas, XXXX XXXX XXXX XXXX XXXX XXXX XXXX Texas. I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I have receipts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30
Company: UMPQUA HOLDINGS CORPORATION
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Mishandling of funds. 
XXXX XXXX, XXXX I sent a check to cover my escrow shortgage. They did not apply my money correctly, evidently I wrote the wrong amount on the check. I sent them messages to no avail on XXXX/XXXX/XXXX which has still not been addressed. They finally called me when I sent in my mortgage payment asking why I was sending in another payment - this was on XXXX/XXXX/XXXX as well, not even looking at my messages. I was talking with XXXX and sent another immediate transfer to cover the amount. She assured me as assistant to the vice president, she would make sure this was done correctly. I now get a statement with my last payment pended, an overdue payment amount ( XXXX ), a partial payment unapplied ( {$1100.00} ) and an amont due of {$2100.00}. My escrow balance shows {$1500.00} - my shortage was {$1500.00}. My payment amounts should have stayed at {$870.00}. This is causing a lot of stress trying to get this cleared up and a lot of problems between my spouse and myself.

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 2019-04-17
Company: Clark County Collection Service
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Recently after checking my credit reports, i found out that Clark County Collection Service is reporting a collection account in the amount of {$490.00}. 
I sent a letter to them via XXXX on XX/XX/XXXX certified mail requesting validation of debt pursuant to FDCPA. ( Certified letter tracking number XXXX ) They responded to my request for validation of debt with letter dated XXXX, XXXX 2019. 

There are few issues with there response. 

1. They said that i have been notified about this debt on XX/XX/XXXX, which is not correct i havent been notified about this at all. 

2. As a Validation of debt they sent a statement/bill from NV XXXX which is not enough to validate a debt. 

3. The bill sent to me as a Validation has my name on it but has unknown address on it ( XXXX XXXX grand canyon ... ) this is not my address. 

4. According to this bill the balance owed is {$620.00}, but they are reporting this account with credit bureaus as a collection account in the amount of {$490.00}. 


This is a Clear Violation of FDCPA and FCRA Please see said Validation Request letter attached along with there response letter

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: HYUNDAI CAPITAL AMERICA
State: MO
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 purchased a new car and also made sure to include GAP insurance in the event the worst possible scenario happened, and it did happen. My new car was totaled in XX/XX/XXXX. I went through the process, but the last final process has been a persons nightmare that did everything by the books to make sure not to have issues with payments and negative credit reports. I am being held liable for Kia Motor finance and XXXXRe ( Gap ) not dealing with my claim in a timely manner. XX/XX/XXXX through XX/XX/XXXX, I was calling both companies almost every two weeks to make sure my claim was being taken care of. Kia was stating they were sending the documents to XXXXRe, but XXXXRe was stating they were not receiving the documents. In short, I did everything in my power to make sure this was being taken care of properly as an active duty service member who was on orders away from my home address. This has been paid in full now by XXXXRe, but my credit report took 100+ credit score decrease, Im at risk of losing my job, even though I am not at fault for the gap insurance company that I purchased through KIA at the time of purchase didnt receive the documents on time. I purchased Gap insurance so I didnt have to come out of pocket. Now I have to deal with this sitting on my credit even though I did everything as an individual within my power. I have made numerous credit disputes, but KIA will not change the delinquent account and negative payments on my credit report. It has been paid in full. I have never had late payments, delinquent accounts, and etc. Due to the nature of my job, I cant have things like this sitting on my credit reports. I have been on the run around since XX/XX/XXXX and its getting out of hand at this point.

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