BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-10-10
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
I recently fax request for mortgage modification to Carrington Mortgage because my mortgage is delinquent. I was informed XX/XX/2018 by XXXX in Carrington Customer Service Dept. property foreclosure sale was put on hold and the modification request was under review. XXXX also stated the property foreclosure sale was put on hold. I called today XXXX to check the status of the modification request and was told the modification request was declined and my property would be sold at a property foreclosure sale XXXX. I have not received a declination letter for the modification request from Carrington, also was given the opportunity to appeal the modification declination.I didn't receive a letter from the foreclosure attorney or Carrington Mortgage stating the foreclosure date was Reset. I have not been given the 30 day notice prior to the property foreclosure sale as required per the Tennessee state law. I have resubmitted request for mortgage modification to Carrington with financials.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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:
Pursuant to 15 U.S. Code 1681c-2 - Block of information resulting from identity theft ( a ) Block - Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of - ( 1 ) appropriate proof of the Identity of the consumer : ( 2 ) a copy of an identity theft report : ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I have enclosed the following documents ; ( Copy of my Driver License for proof of identity & a copy of my identity theft report ) In my identity theft report I have identified the fraudulent account and fraudulent inquiry, along with my statement ).

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 2022-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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 have checked my credit report and there are multiple inquiries on all of my report under identity theft. I will list below the inquiries that are inaccurate. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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 2018-03-26
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
According to Citi, my Visa card provides a 3 % cash reward for charging travel purchases. 
On XX/XX/XXXX I used the card to pay XXXX {$3500.00} plus on the same date another {$6300.00} to XXXX. Both received the appropriate 3 % reward. 

But on XX/XX/XXXX I used the card to make 2 payments to XXXX for {$4300.00} and {$14000.00}. These were allowed only a 1 % reward. This results in a loss of about {$400.00}. 

When I called Citi on XX/XX/XXXX, I was told that this change is controlled by the merchant ( XXXX ) using a code called XXXX and that Citi can not change it. So I called XXXX and learned that the bank issuing the card assigns the XXXX, not the merchant. XXXX also said they have received numerous complaints from customers who follow the rewards promise/incentive to buy their travel packages using cards that promise higher rewards. 

So I called Citi again and the excuse that " the merchant controls which XXXX is to be used '' was repeated. The XXXX used last XXXX was for XXXX was 4722 = travel agencies. InXX/XX/XXXX Citi says it has been changed to 7991 for XXXX XXXX attractions ( other purchases category at 1 % ). [ I think Citi made the change to avoid giving customers the full 3 % reward. ] The Citi reps all claimed this change was made by XXXX. I was offered {$100.00} to compensate me for the inconvenience. I refused and said I thought I should pursue legal advice. The rep warned me that the card agreement permits Citi to change rewards at any time for any reason and that all disputes are settled by arbitration. 

Lesson : Beware of the bait and switch. If you use one card over another because it has higher rewards, you should check the XXXX assigned to your merchant first.

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 2021-03-01
Company: Credit Plus Inc
State: IL
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:
There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. XXXX-RISK RETAIL- XXXX Inquired on XX/XX/2020, XXXX XXXX XXXX Inquired on XX/XX/2020, CREDIT PLUS Inquired on XX/XX/XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an items on the report that are inaccurate. The account in question is listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below.

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 2018-03-06
Company: SYNCHRONY FINANCIAL
State: CT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
XXXX XXXX credit card for XXXX XXXX XXXX XXXX offered a promotional rate of 0 % for 24 months on a purchase. After 24 month period I was told by the staff member interest would start at a rate of around 27 %. Instead I received the full amount of interest charged throughout the 24 month period after expiration. {$2100.00} purchase now has {$1300.00} of interest due all at once. This was not explained at all. I call to question the charge and they said they offer a 30 day grace period after the promotion. They do not reach out to you or mention this anywhere so how could the consumer know it exists? My call was placed around 6 days after the grace period. They told me its too late. I offered to pay the full bill to avoid interest. They still said no and that I would have to pay. Its a rouse that needs to be addressed.

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 2021-09-07
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX , who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my accounts and needs to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: United We Collect, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I discovered a collection account on my credit for a medical debt. I reached out to the collection company because I was never informed of the debt and most importantly- I have medical insurance and so does my wife. That said, I don't know what the debt is for or why this company has choose to come after me and or place the account on my credit

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-24
Company: Global Lending Services LLC
State: GA
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:
on the date of XX/XX/2019 there was an inquiry made on my credit report by Global Lending Services that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received and inquiry on my credit from XXXX XXXX that I did not authorize. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail. 

on the date of XX/XX/2019 I received an inquiry that I did not authorize from XXXX XXXX XXXX XXXX. I disputed this inquiry. I attempted to reach out to the creditor to resolve this matter but to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Navient Solutions, LLC.
State: WI
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
No one seems to be able to answer questions about the payments being garnished from my paycheck! The original garnishment order lists XXXX XXXX which was the collection company for XXXX XXXX. When I call XXXX XXXX XXXXhey tell me that they no longer handle student loans and that I should contact XXXX XXXX. Contacting XXXX XXXX brings me to XXXX XXXX website with a message stating my account was moved from XXXX XXXX to XXXX XXXX. I log into XXXX XXXX and my account has a message that I should contact Navient. I contact Navient and they state that they can only assist me if I am calling to make payment in full. Otherwise I should call XXXX XXXX XXXX. Well here we are, stuck at approximately 17 hours of total holding time over a 5 day period trying to get someone on the phone at XXXX. 
I checked with my payroll department and wanted to inform them that they are sending money from my garnishment to a company who no longer handles my account. They stated that they can't change anything on the garnishment without an order ( understandably so ). XXXX   XXXX stated that they can't send anything regarding the garnishment even though they are the ones listed on the garnishment. I checked with Department of Education who transferred me to the XXXX who in turn transferred me to Navient. I just want to know that my money is going to the correct company! Also, the amount listed does not reflect a credit for the canceled amount of {$2000.00}. Any information would be appreciated! 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 explanation
Consumer complaint received 2021-09-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on XXXX, Transunion, and 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 2021-09-07
Company: Experian Information Solutions Inc.
State: PA
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 submitted disputes as well as an FTC report for this fraudulent account. 

- XXXX XXXX ( listed on Experian, XXXX, and 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 2017-12-13
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: NV
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/2017, I received a debt collection letter from Professional Bureau of Collections of Maryland , Inc. regarding XXXX XXXX XXXX XXXX in the amount of {$120.00}. The letter is dated XX/X/2017. 
I have never agreed to contract, nor purchased anything from XXXX XXXX XXXX ever. I visited a personal trainer, XXXX XXXX, at this gym over a year ago, but paid HER for her services. I asked her today if she signed me up for anything, she said no, and to file a complaint with the Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-26
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient has repeatedly called me asking for payments. I understand I have to pay back my student loans. However everytime they call I explain this to them and they tell me i can qualify for {$0.00} for the year. When I fill out the forms it says my wife has to sign and when she logs into her FSA account there are no forms for her to sign. They use threatening language when speaking to me. Threatening me by saying my credit will be harmed by my lack of action, they tell me that my wages will be garnished. The things I have experienced with Navient are very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Consumer Portfolio Services, Inc.
State: KY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with the interest rate

Complaint:
I opened my auto loan with Consumer Portfolio Services in XX/XX/XXXX. I made my first payment in XX/XX/XXXX. As of today, XX/XX/XXXX, there have been 18 monthly payments made at {$500.00}. This totals {$9000.00}. In that same 18 month period, {$6400.00} has been applied to the interest on the loan and {$2500.00} has been applied to the principle. Somehow, 18 monthly payments on a {$17000.00} auto loan has reduced the principle balance to {$15000.00}. I would like the CFPB to investigate this. I can not figure out any way where 71.9 % of all payments should be going to interest while 28.1 % go to the principle. This car will never be paid off if that is the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: Google Compare Credit Cards Inc.
State: KS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I submitted multiple claims about multiple {$0.00} unauthorized charges to my card by Google on XXXX. I was told they researched and decided that there was nothing wrong. Then over the weekend I received 16 more charges of {$0.00} to the same card by the same " person '' at the same company so I've submitted unauthorized charge inquiries in regards to the charges and it is pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-07
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
On XX/XX/2021 I sent a letter to Portofolio Recovery Associates letting them know that the statue of limitation has past on account # XXXX and that I do not want to be contacted no more about this debt I will attach this letter that I sent to this dispute. My dispute is because Portfolio Recovery Associates has ignore my letter and break federal law and violate my rights under the FCDPA by sending me unrequested letters of validation every other week.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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 noticed that the XXXX XXXX Accounts on my credit report were reporting different information for all three credit bureaus. The inconsistent and inaccurate information ranged from different dates for the last payment, last activity, account status and more. I sent 5 letters to all 3 credit bureaus requesting they investigate the inaccuracies on the XXXX XXXX XXXX. XXXX has failed to respond to any of my requests. 

I sent a letter to TransUnion, XXXX and XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX requesting they do an investigation to ensure the accounts were reporting accurately ( letters attached ). 

XXXX is reporting in the balance history a balance of {$16000.00} starting in XX/XX/XXXX. They are also reporting that in XX/XX/XXXX a {$50.00} payment was made. However, the months to follow still show a balance of {$16000.00}. How is that possible? Why are they saying I made a payment? And if I did make a payment why is the balance still the same? I pointed this out in my last letter and they came back with the account being verified as accurate ( see XXXX error attachment ). TransUnion and XXXX is reporting the same balance. 

XXXX responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) TransUnion responded back XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX verifying the accounts as accurate ( see attached ) and XX/XX/XXXX questioning my identity. 

XXXX has not responded to any of my letters.

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 2018-06-08
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
I have been constantly receiving phone calls from a company called national credit adjusters trying to collect money from me. I have never heard of this company until a few weeks ago. They are calling me from a ( XXXX ) XXXX number and also from a ( XXXX  ) XXXX number. They have called me late in the evening on some occasions and won't stop even when you ask them too. On XX/XX/2018 they called my phone at XXXXXXXX XXXX and woke my husband up. He has to get up for work at XXXXXXXX XXXX and this company feels they can call you all times of the day and night! I have never owed them and i will not pay them XXXX dime of my money! These harassing phone calls started on XX/XX/2018 at XXXXXXXX XXXX I asked them to provide me with proof that i owe them and they didn't provide a contract with my signature showing I'm obligated to pay them when I've never heard of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-07
Company: DISCOVER BANK
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:
DISCOVER closed my credit card account that is in GOOD STANDING, WITHOUT prior notice other than the email I received on XX/XX/2020 advising me it was closed, effective immediately. When I called the Portfolio Verification Department it was closed during business hours " because of a meeting. '' After 2 hours of constantly calling, I finally got someone on the phone, and they told me " there is nothing we can do, the account is now closed due to inactivity. '' The account has {$0.00} Outstanding Balance and my credit score is 710+. I've had this account for 10 years without ever missing a payment. How does this effect my credit score and who will be responsible for this? Their answer was to call the Credit Bureau.

Company response to consumer: Closed with explanation