BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-22
Company: LoanCare, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I got behind 1.5 payments with Loancare. Not badly but behind with Loancare. On XX/XX/XXXX I paid {$4400.00} to get current on my loan. I have spoke with them and they told me that is what it would take to get my loan current. I then made another payment to my loan on XX/XX/XXXX. This would of been for XXXX. So XXXX went by and the holidays and a slow XXXX XXXX ( I am in XXXX XXXX ) and I didn't make the payment for XXXX. I then called on XX/XX/XXXX to let them know I have the 2 payments for XXXX and XXXX to get caught up. They then told me I was 7 payments behind and will need {$15000.00} to avoid foreclosure attorneys. I told them I didn't understand and their math is wrong. I sent them all the documents to prove that their math is wrong. They then just kept denying my evidence. would not work with me and are trying to get me to do another 30 year refinance loan where I will have to pay a much higher interest rate, add 5 years to my mortgage and take the {$15000.00} that They say I owe them and add it to the end where that then gets compiled with a ton of interest where I will have to pay off at the end of the loan. I have talked to an attorney and they told me this is common scam in the mortgage industry to get more interest from you. I don't want to take legal action if I don't have to. I truly feel they are just bullying me into paying them a bunch of unnecessary interest. ( it has been since XX/XX/XXXX I have been dealing with this and No one is getting back with me or willing to work with me as I have been calling 3 times a week for over a month )

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 2019-01-27
Company: Innovis
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the and other furnished XXXX XXXX, XXXX XXXX, Innovis inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX my current and only address is XXXX XXXX XXXX XXXX, OH XXXXThe following addresses are not mines please remove delete them : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX , FL XXXX XXXX XXXX XXXX , XXXX, OH XXXX XXXX XXXX XXXX  , XXXX, OH XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Portfolio Recovery continues to contact me regarding a debt, that I have no recollection of and continues to report with the three major CB. I have filed several disputes asking for validation other than a bill from years ago. It seems as if they should have some type of signed contractual agreement entered into by me in order to continue their reporting and contacting me. According to Portfolio, they are attempting to collect XXXX for XXXX XXXX for a company called XXXX XXXX XXXX XXXX. I'm simply asking for proof that other than a bill from XX/XX/2012, ie a sign contract, just simple proof that it was actually an account that I am responsible for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Because I believed that my credit score was good, I had not checked it for many years ( I can not even recall ever checking it. ) Knowing that I could get my credit score without incurring any charge, in XXXX of this year, I checked it with Transunion, XXXX  and XXXX. I did not sign up for any of their additional services. On my XXXX XXXX Visa statement/bill, there was a charge dated XX/XX/2020 by Transunion of {$24.00}. I was very surprised, not knowing what this charge was for. I looked at my previous statements and saw that I was also charged {$24.00} by Transunion the previous two months, on XX/XX/XXXX, the date I checked my credit score, and again on XX/XX/XXXX. Obviously, I should have checked my bills more closely and would have uncovered these charges earlier. On XX/XX/XXXX, I went on the Transunion web site and cancelled the subscription for which I had not requested but had been charged. Since their billing cycle is on the 16th of the month, and since I did not receive the current Visa statement until XX/XX/XXXX, I will receive another bill for {$24.00} in XXXX. 

I do not believe that what Transunion did to me was deceptive because deception would have required my agreeing to their service under their false pretenses. What Transunion did to me is to perpetrate a fraud. I did not agree to any of their services which would require any payments and I certainly never gave them my Visa number or permission to charge my Visa for anything. Since they have access to all my and my wife 's credit cards, they used it without my knowledge or authorization. I called them all day and numerous times on XX/XX/XXXX and XXXX and did not get through to anyone. I called XXXX and XXXX, the only numbers I could find, and received only their voice messages which said that " no one is currently available to take your call '' and " all representatives are still assisting other customers. Please hold for the next available representative. '' At one time I held for 45 minutes with no answer. 

Thank you for your time in reviewing this and ask that you treat them accordingly to their fraudulent actions and have them reimburse me {$99.00}. 

Sincerely,

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 2020-02-22
Company: Resurgent Capital Services L.P.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a credit line with XXXX XXXX XXXX ( https : XXXX ). I enrolled the balance into a debt relief program XXXX XXXX ( https : //XXXX  ) which forced the debt to go into collection and later on sold to LVNV Funding LLC - Resurgent Capital Services. XXXX XXXX has reached a settlement a agreement with LVNV and the agreed amount was settled and paid. All my credit bureau reports still reflect the derogatory remark and indicate the balance is still in collection. I contacted LVNV and they asked for XXXX XXXX to contact XXXX XXXX XXXX at ( XXXX ). I contacted XXXX XXXX but they refused to act on my behalf due to my graduation of the program and no longer being a client of theirs. They supplemented me with the settlement letter as an evidence that was issued through XXXX XXXX. Shortly after, XXXX XXXX XXXX called my cellphone in an attempt to collect the full outstanding balance ( pre-settlement agreement amount ) on behalf of LVNV. I explained the situation and they provided me with an email to which they asked to send the settlement letter ( XXXX ) which I have done almost a month and a half ago with no response. The derogatory remark and the incorrect outstanding balance are still reflected on my credit reports and significantly impacting my score negatively. I have opened a CFPB complaint and all involved party have responded inadequately and the issue is still unresolved. As it stands now, one or more of the involved parties have conspired to pocket my payment towards the debt settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: Experian Information Solutions Inc.
State: DC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
In XX/XX/2017 I pulled all 3 credit bureau consumer credit reports this is when I became aware of the derogatory XXXX XXXX account being reported on my Experian credit report. I submitted a dispute in writing to Experian and XXXX XXXX. Experian responded via mail that the account had been verified and was accurate, XXXX XXXX never responded and to date has not. This is now over a year later and I continue to dispute this derogatory reporting with Experian and have made multiple attempts via written notice of my dispute. Experian sent a written notification to me " REFUSING '' to reinvestigate my claim. Experian is violating The Fair Credit Reporting Act ( FCRA ) by refusing to reinvestigate my dispute of the validity of this account. Be aware that I am making a final goodwill attempt to clear up this matter. The listed item is inaccurate, incomplete, and represents a reporting error. My next step is to file a small claims action against Experian.

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 2019-01-27
Company: EQUIFAX, 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: Information belongs to someone else

Complaint:
I am the victim of identity theft. Many attempts were made by someone else trying to open accounts in my name. My information has been compromised in a few data breaches. The following inquiries are fraudulent and not made by me : XXXX XX/XX/XXXX IXXXX  XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX-XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX   XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX   XX/XX/XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: CITIBANK, N.A.
State: NY
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:
Citi card closed my credit card account with NO advance notice or NO communication sent ( via a call/email/letter ) that my card has been dormant for more than 24 months ( i.e. I did not use this card for any transaction ). This abrupt closure has affected my overall credit limit, overall credit history and my credit score which shows a drop now because of this unethical business procedure. Peers of Citi card such as XXXX, XXXX, XXXX, etc. at least provide advance notice in such regards and are customer-centric to let the customer decided on the next best action on a particular card. All Citi card cares about is that bottom line they make money off of their customers. Their business practices do not allow the customer to be notified or seek their approval for such things. This business practice was confirmed by a supervisor in their Credit Card business called XXXX whose Rep ID is XXXX ( Citi card does not give an advance notice nor do they allow customers to transfer existing credit card limit to an existing card prior to closing it without advance notice )

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 2018-01-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a victim of identity theft. The following accounts are fraudulent and unauthorized : XXXX XXXX XXXX, XXXX XXXX DC, {$480.00}, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX, {$7000.00}. I been receiving harassing and threatening phone calls of abuse, death threats, profane language, threats of arrests and taking legal action against me repeatedly from the above debt collectors. I have sent cease and desist letters to the above debt collectors via USPS certified mail, informing the debt collectors the account is fraudulent and unauthorized, and requesting for them to stop calling and writing me about the above reference and fraudulent accounts. The debt collectors from the above creditors continue to call and send me letters. This is a serious breach and major violation of The Fair Debt Collection Practices Act ( FDCPA ) under Federal law. The above creditors are in violation of the ( FDCPA ).

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 2020-02-22
Company: WINN LAW GROUP, APC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
Hello, I am attempting to lodge a complaint against debt collectors and law firms who work in conjunction to pressure and threaten individuals by suing them in State Civil court ( California ). They  have created their own industry, to enrich themselves and prey on citizens who can afford no real defense for themselves, and I am including myself. By suing them in state court as apposed to Small Claims court. They create an environment in which the defendants have no previous experience or knowledge and therefore are prevented from offering any real defense for themselves. 
These collection agencies, which are mostly paying pennies on the dollar for these outstanding loans, then turn around and demand a repayment of at least 70 %. Which should be construed as illegal Usury. I am talking about thousands of suits brought to court every week in the state of California. 
The plaintiffs attorney ( who was a paid litigate stand-in for most of the firms who were due in court that day ) explained to me afterward how terrible this practice was and that it had been going on for at least 8 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: Experian Information Solutions Inc.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Im reaching out to Consumer Financial Protection Bureau for help with an ongoing dispute that I have been disputing with Experian since XX/XX/XXXX. I have an inaccurate collection on my credit report from XXXX in the amount of {$930.00} in which XXXX XXXX XXXX concluded the investigation per my request concluding that I was not responsible for the account and submitted for deletion in XXXX of XXXX and the collection still remains on my credit report. 

In previous efforts that I have attempted in contacting XXXX about their response they have stated that the removal request was submitted and that I will need to follow up with Experian as to why I have submitted the necessary documents in an attempt to have this resolved. 

Experian keeps stating that XXXX has validated the debt and doesn't provide any information regarding their validation. I have also disputed this account with XXXX  and they also conducted an investigation and removed the collection account from my XXXX  report. 

I feel that it's a bit odd that not all credit bureaus are on the same page with each other and I really feel that Experian is not doing their due diligence in having the consumers best interest. I have submitted the results from XXXX to Experian showing that XXXX   has removed the debt from my credit file and they seem to have disregarded that information submitted. 

I appreciate any help that CFPB can provide in this matter. 

With Regards, 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 2019-05-14
Company: GreenSky, LLC
State: MI
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:
I paid off and closed this account with Greensky XXXX XXXX  on XX/XX/2019. 

They have YET to report to the Credit Bureaus that my account is PAID AND CLOSED. 

I have contacted Greensky 5 different times : Home Improvement : XXXX Patient Solutions : XXXX Retail & E-Commerce : XXXX Monday - Saturday XXXX - XXXX ET Sunday XXXX - XXXX ET XXXX They assured me that on XX/XX/2019 the credit reports would be notified the account was paid and closed. This has NOT HAPPENED. Today is XX/XX/2019 I have disputed this with XXXX  twice and XXXX  three different times. XXXX I have provided the letter stating the account is closed and has a XXXX balance and they still state that after contacting Greensky the account information reflected on my report will remain. 

This has negatively affected the rate I will receive on my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-14
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Thank you for taking my complaint. This complaint is about a Barclaycard that is co-branded as a XXXX XXXX Visa card. 

On XX/XX/XXXX, I received an email credit card offer from XXXX that said I could earn up to XXXX bonus points if I opened a XXXX XXXX   card. I would need to apply by XX/XX/XXXX. If accepted I would receive XXXX points if I charged {$1000.00} in the first 90 days and XXXX points with an additional {$2000.00} charged within 180 days. 

I applied for the card in XX/XX/XXXX and was accepted. I met the first requirement and received the XXXX bonus points. I then met the second requirement but never received the XXXX points  as advertised. 

I can provide you with the details if required but, in summary, numerous emails and phone calls over several months to both XXXX and Barclay 's did not resolve the missing points issue. This resulted with me receiving a letter from Barclays indicating I needed to call them to provide additional details in an attempt to resolve the issue. 

I called Barclays customer service on XX/XX/XXXX. The first line customer service employee, while very pleasant, was unable to help me. I requested to speak to a supervisor. The supervisor ( " XXXX '', again a pleasant person ) was able to confirm that I had met the terms of the offer as required. However, XXXX indicated that in order for me to receive the additional XXXX points I  needed to apply for the card on XX/XX/XXXX, and the offer was only valid on this day. 

Needless to say I was shocked at this bait and switch. Months of frustration resulted in me immediately cancelling the credit card and I informed XXXX that I would be filing a complaint with the CFPB. She cancelled the card as I requested and I'm filing this complaint. 

I never received my points and I may be losing the points I earned. I will never do any business with Barclays and I will be informing XXXX XXXX of the poor customer service from their partners.

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 2020-04-26
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have a credit account with Paypal which uses Synchrony bank, they offer promotions such as six months with zero interest or zero interest with twelve easy payments. The problem is when I added auto pay I divided my balance by the number of promotional months and it would insure I would pay it off on time. When there is more than one promotion their computer allocates the payment not the consumer/me.

When I attempted to make extra payments I could not specify the allocation of where  the payment would be applied. I called and complained and they told me I would have to call them next time and make a payment to control where the payment would be allocated. I tried that and the payment still was not applied where I wanted it. I also had made a purchase for 12 easy payments, every month the auto payment was taking two payments and not one and putting less on the balance that needed it most. I have been struggling with synchrony bank for three months now, each month I get frustrated and have to call several time in an attempt to correct the payment allocation only for the payment to get messed up again the very next month. The last time I got so frustrated that I called and attempted to pay off the balance, I stated that I only wanted to pay off the six month balance at least six times and it did not pay off the balance because it applied 1 extra payment to the 12 month payment loan, the 12 easy payments keeps taking additional payments from every payment, this seems illegal. Where are my rights as a consumer?

This seems unethical that the bank or its computer makes my decision for me and takes away my autonomy. It also feels like synchrony bank intentionally sets people/me up to fail so Synchrony can go back to the original purchase date and charge customers/me outrageous interest rates. I know if synchrony bank is doing this to me they are also doing it to many under served people. The only solutions I can think of is to never have more than one purchase/promotion at a time or cancel the credit line altogether. 

Synchrony bank claims they are working on changing the computers algorithms and interface to offer the consumer control of their payment allocation rather than the computer deciding for you which currently works in the the banks best interest not the consumers. The customer service agent I spoke with stated that these kinds of things take a very long time to correct, hopefully enough people complain and give pushback to help them change it faster.

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