BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-06-07
Company: CIG FINANCIAL LLC
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
I am in disagreement with the resolution or response provided by CIG with regard to my claims. CIG claims that the XXXX XXXX or " XXXX XXXX '' agreement was signed XX/XX/XXXX. However there is a separate contract date that I have been asking them to look into all along as well. About two weeks after the original agreement they had me sign a contract after the one provided stating that " the Finance Company '' assuming CIG had changed some of the terms. They indicated that I would receive a copy of the new one in the mail yet nothing was ever received. At the time I had no reason not to trust these finance people of any of then for that matter since I had already taken the car home about two weeks earlier approximately. SOme days after I get a call from CIG saying that my original 1st payment should have been due in the month of but was due XXXX but instead I had insisted. 

Additionally, their response states that they are not required to notify or inform a customer of that kind of action or decision ( repossession ) but yet XXXX XXXX kept constant communication via email to me regarding making a payment and other things but yet somehow this type of information wasn't important to have delivered to me? Its ridiculous to imagine that a loan company would not be obligated or required to notify customers of such actions especially if there is on going conversation via email??? How is that even legal or moral?? Not only did this happen once, it happened twice and she didn't think it important to tell me the status of the delinquency and actions that were about to take place?? 

Additionally, they have never investigated any change in interest rate that I have mentioned or referred to. I am requesting that a record of all notes and interest rate changes or fluctuations since the very inception of this loan be reviewed because something is not right. 

I would also like to know why they have failed to respond to my CFPB complaint filed XX/XX/XXXX as it remains open? Am I lying about that too? There have been clear violations or privacy that things you have done that are against the abusive collection practices and you refuse to acknowledge or even respond. What about the XXXX that has never been provided since you are a debt collector. Is it legal for your company not to respond for years??? 

I have been bringing up your shady business for years now and it all seems swept under the rug and nothing is resolved to my satisfaction nor is anything fair. I have filed other complaints with CFPB and the Ca Dept of Business Oversight, XXXX and the Attorney Generals office about every single one of the complaints that I have brought up to you and has not been resolved satisfactory. Debt collectors abusive acts against customers is unlawful

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 2017-09-13
Company: JPMORGAN CHASE & CO.
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
This regards our Chase Freedom Visa credit card # XXXX XXXX XXXX XXXX. Both XXXX XXXX and XXXX XXXX use this card. Expiration was XX/XX/XXXX. ( Do n't worry, we have since gotten a NEW C.C. because of this fraud. ) ( Another Chase Freedom Visa C.C. ) No one asked for NOR ordered ANY of these items! The ( 4 ) fraudulent, XX/XX/XXXX charges just appeared on our statement! Here are Dates of Transaction, Merchant, & Amount : 1 ) XX/XX/XXXX XXXX XXXX XXXX for {$92.00} ( Visa says XXXX? ) 2 ) XX/XX/XXXX " " {$5.00} ( Visa says XXXX XXXX XXXX? ) 3 ) XX/XX/XXXX XXXX XXXX XXXX CA for {$92.00} (? ) 4 ) XX/XX/XXXX " " {$5.00} (? ) We spoke with " XXXX '' at Chase Visa : XXXX ( ext. XXXX XXXX XXXX ) ( M-F XXXX XXXX - XXXX XXXX CST ) Nice gal, but she needs CFPB Help! Please HELP us remove these bogus charges! CFPB : You are a strong right hand of hard-working Americans. May XXXX Bless You! With love! XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-05
Company: Waypoint Resource Group, LLC
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent a letter of dispute asking for them to validate the amount they were attempting to collect by sending a signed contract. They did not send the information I requested, but instead reported to the credit bureau 's that it had been validated when in fact they are still investigating the claim. They also sent a letter stating that I had to request substantiation of my account if I rewrite them again. I have informed them that they are are required by federal law to validate - through the physical verification of the original signed consumer contract - all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I request to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) Waypoint Resource Group has on file of the accounts listed below. Please provide me a complete copy of all the information that was transmitted to the 3 major credit bureaus as part of their investigation, as required by FCRA. 

Accounts disputed : Waypoint Resource Group Account Number : XXXX Amount : {$110.00} Waypoint Resource Group Account Number : Unknown Amount : {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Santander Consumer USA Holdings Inc.
State: IL
Product: Credit reporting, credit repair services, 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 did not authorized or recognize these creditor that are listed on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: JPMORGAN CHASE & CO.
State: IL
Product: Credit reporting, credit repair services, 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 did not authorized or recognize these creditor that are listed on my credit report..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-13
Company: LoanCare, LLC
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
This is the company LOAN CARE THEY make it impossible to pay your loan by phone or on line. 
The sign in does not work it says I have the wrong username and I DO NOT. 
The recording on their phone is about 15 minutes long and never puts you thru to anyone when I push the prompts. 
Also It never allows me to pay by phone just goes into another recording that lasts forever about XXXX I dont need to know.

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 2017-09-13
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
My name is XXXX XXXX and I had XXXX XXXX at XXXX in 2017. Since then, my wife and I have had a loss of income because of time missed from work and medical expenses. In addition, my medical premium went from {$150.00} to {$600.00} per month. I am currently on my 6th month of XXXX and I have 6 more months to go. 

I have struggled off and on to keep current with this mortgage, due to my XXXX XXXX, and I have always managed to keep it. However, after this unexpected XXXX and treatment I need help with the 2 payments that are past due. In the beginning of the workout I was given a 12 month repayment plan and I was able to pay back 6 months of it. But it was becoming to difficult to maintain the higher payment. I was working with XXXX XXXX during this process. But in the middle of my repayment plan they cancelled me due to non-payment, which was their mistake. They had 2 different escrow increases for my payment that I was not aware of. So I shorted one of my payments {$100.00} without knowing. They kept sending me letters as if I was the one who messed it up. I did not. I did not default on my repayment plan, they made a mistake. But then I told them that it was not affordable any longer and that I needed some assistance that was closer to my regular payment. I requested medical assistance, and can you believe it? No help for XXXX patients, none. So sad. 

I begged and pleaded with them that I can only afford my regular payment and that I would like the 2 past due payments placed in a medical forbearance or deferment. They said they do not offer these. Again, I am on XXXX and all I am asking for is that those 2 payments be paid back over 2 years. Or until I am healthy enough after XX/XX/XXXX to move or sell my property. They have not offered me anything I can do while I am on XXXX. They also switched my point of contact to XXXX XXXX, without notifying me. I left him a message yesterday and I no one is helping me. 

I will file chapter XXXX bankruptcy if I have to, to save this property, I will. But I think it would be easier for everyone if we came up with a reasonable solution that is not so health invasive for me. As I am already overwhelmed and tired from treatment. 

I am asking for the past payments to be spread our over 2 years. Thanks for your 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 2018-12-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
On XX/XX/XXXX ( Time XXXX EDT ). I XXXX XXXX, submitted an on line dispute to XXXX  disputing XXXX XXXX XXXX account # XXXX XXXX XXXX. My credit score prior to the dispute was XXXX for all reporting credit bureaus. I make one payment to XXXX XXXX XXXX covering 12 loans aggregate. Three payments in dispute for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX of which should have been deferred per my conversation with the XXXX   XXXX XXXX. However, these three disputed missed payments were reflected and reported as 36 missed monthly payments per all three credit bureaus ( not 3 as it should have been if it wasn't an error/dispute ). On 2 occasions, I disputed this with the credit bureau and my score was reversed to XXXX and then reversed again 2 months later. Per my conversation with 3 or more customer service agents this was not the XXXX XXXX XXXX intention. Per my conversation with the Credit Bureaus, I was informed that XXXX   XXXX told them to reverse again to lower score of XXXX. Per your investigation you will note that I make timely payments on all accounts as it relates to my personal credit. I AM ASKING THIS ORGANIZATION to mediate and restore my credit and make me whole. This score has impacted my business and my ability to earn a living that helps to repay my loan. PLEASE HELP!!! 

Sincerely, XXXX XXXX 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 2019-05-17
Company: DISCOVER BANK
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a hardship in my life and my financials werent right. I couldnt pay for basically anything and became dependent on my parents and since they had too much on their plate I couldnt ask them for help for my card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-25
Company: Open Dealer Exchange, LLC
State: IL
Product: Credit reporting, credit repair services, 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 do not recognize any of these companies they are reported as inquiries on my credit report ..XXXX/XXXX XX/XX/XXXX ... XXXX XXXX XX/XX/XXXX ... XXXX auto XX/XX/XXXX ... XXXX XX/XX/XXXX ... XXXX XXXX XXXX ... XXXX XXXXXXXX automobile dealer XXXX XXXX ... .. XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ... ..Us Sm Bus Admin XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: TRANSWORLD SYSTEMS INC
State: TX
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 recently received a delinquent inquiry flagged on credit report on XX/XX/XXXX in the amount of {$780.00}. It was from a presumed XXXX account from Transworld. I contacted Transworld because I had no knowledge of the account. Transworld informed me it was from a XXXX  XXXX  account. I contacted XXXX  XXXX  and they informed me that the account was from XXXX XXXX and was under another name ( not mine ) but it was my social security number attached to the account. I informed them that I had no knowledge of this account from XXXX and never received any notifications during the time frame up until now with it hitting my credit in delinquent status. I was told by a representative I would have to report as fraud though my local police department before and if anything could be done and I was also advised that I could file a complaint on the XXXX  XXXX  cite through the email portal. I have reached out twice via that portal and have not received and feedback or call back regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
On XX/XX/2019, I tried to renew my membership with Experian Credit for their credit monitoring. At the time, they renewed my service, but charged two credit cards at the same time for {$27.00}. The cards end in XXXX and XXXX. The card ending in XXXX was charged in error. When I call their call center, it keeps disconnecting me. 

There should only be one charge of {$27.00}, not two.

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 2018-12-23
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I opened a card with this company, they immediately flagged my account for " security reasons '' despite me confirming my phone number and sending them my credit card information. I already submitted a complaint to CFPB. In response I received a generic letter stating that " we still need to verify your proof of address and proof of ID '' ( I already did this ) and some woman asking to " send in the proof directly to me, Ive enclosed a postage paid envelope for your convenience '' ( I am not sending my ID 's to anyone anymore at this company and how did you enclose an envelope in a PDF?? ). 

They copied and pasted a generic response unrelated to my case. And are lying about their offer. It was to receive {$150.00} when spending {$300.00} in the first month, which they blocked me from doing. I just want my account closed and will keep sending complaints until it is closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, 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 did not solicit this company for their business BMO HARRIS BANK XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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 2022-11-17
Company: Experian Information Solutions Inc.
State: FL
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:
Always pay on time. Falsey reporting late payments on my credit report. See the attached.

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 2020-12-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: PA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
USAA SENT ME A LETTER ON XX/XX/XXXX STATING THAT THEY NEEDED FURTHER INFORMATION FROM ME OR THEY WOULD SUSPEND OR CLOSE MY ACCOUNT. I WAS NOT GIVEN ANY OPPORTUNITY TO GIVE THEM THE INFORMATION, AFTER 18 YEARS THEY GOT NASTY WITH ME. I EVEN REACHED OUT TO THE CEO XXXX XXXX WHO HAS NOT RESPONDED YET. I AM A XXXX VET AND FEEL THAT WHAT THIS BANK DID WAS TOTALLY UNFAIR AND THEY ARE IN THE WRONG.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-29
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
have attached 2 complaints against XXXX XXXX. I has disputed XXXX XXXX of Georgia that appeared on my credit because I did not know who they were. And before I could even get results, the name changed to XXXX. I disputed that item, the company could not be reached and it was sent to the FTC regulator and the item was removed from my credit. Then XXXX sold the debt to XXXX XXXX. The letter informed me that I had 30 days to notify them in writting if I disputed the debt. I immediately called them to inform them of the dispute status of the original account. You can read the attached complaint. The notified me that they would not report and remove the item from my credit files until they completed an investigation and notified me of the results. At the time I filed the complaint they were not showing on my credit file, but then XXXX XXXX appeared. I was suprised as I had not received any notification of the results of investigation. So I filled out a second complaint, you can see the attached complaint. They did not respond, I am waiting for a response and the item is still on my credit. It is a deceptive practice to say they are going to do one thing, and then take a negative action against me that is contrary to what they said they were going to do. This items needs to be removed from my credit as they violated my rights as a consumer 1.  For reporting an item that had already been removed 2. Not responding in a timely manor. 3.  Taking a negative action against me after saying they were not going to report the item till they notified me of the results of the investigation. I called the company Friday to try to figure out what was going wrong, why they were not responding, they said you trust consumerfinace.gov to transmit information to us. I spoke with three people, I still have no clue as to why this item still appears on my credit history. Every person I spoke with said they were a manager or a boss, when questioning if that is their real position, they get mad. I feel that they are liars, that really do not want to offer resolve. They said it is your address and we they delivered it to your house. They provided me with some images that show someone picked the merchandise up from the ware house and that the items were not delivered to my house, and that the person who picked it up had a different name than me. Please remove 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 non-monetary relief
Consumer complaint received 2018-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: AZ
Product: Credit reporting, credit repair services, 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 did not solicit this company for their business XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/2017 2017

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 2021-11-10
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I made the on-time payment last 5 years some how the band didn't post payment on time make my credit file 30 days let payments. I have called them told me that they going to remove it but never did. 
XXXX XXXX XXXX First of all this balance is Closed. {$2.00}, XXXX written off. which is an incorrect amount is {$2000.00} only we dispute regarding the product is not what they mention

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21
Company: Navient Solutions, LLC.
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:
Found that the date until forgiveness is getting dragged out longer and longer. When I called on XXXX the rep said that it was because I went back to school and the payments were deferred it's starts the process over again. Never was I informed that the date of forgiveness would be pushed back 7 years if I went back to school for 2 years. She then tried to talk me into the public loan forgiveness which I have already been rejected from after working in child protective services for 11 years. I didn't have the " right '' loan to qualify, so why would you suggest that option. Because then I would have to consolidate my loans under another plan which starts the 25 years over again until forgiveness. I graduated in XXXX. My loans won't be forgiven until XXXX. 32 years later. 7 years after the 25 year date.

Company response to consumer: Closed with explanation