BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-09-12
Company: CITIBANK, N.A.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
RE : Case # XXXX This complaint is in response to the lack of a response by Citibank in their answer to my prior CFPB complaint against them, dated XX/XX/2022. Although i am addressing the credit reporting agencies in a separate complaint, I shouldnt have to do that as the only recourse, as Citibank suggests in their response. They are furnishers of information, it is on them to know what data they are furnishing and if they are not certain as to the accuracy of the data they furnish, they are in violation of the law, in particular the FCRA and should cease furnishing such information. 

Citibank claims to have forwarded this alleged account to another company and that they were to notify me of the alleged delinquency. This was reported on my credit without any such notification. Reporting derogatory data is a form of collection activity, yet no notice was made of such activity. Citibank claims the amount owed was {$730.00}, yet they are reporting it as {$770.00}, which it was alleged to be in the hands of this third party company, and yet also the highest balance is listed as {$600.00}. Aside from the aspect that a third-party is allowing charges and interest on the alleged account, it seems there is much confusion on Citibanks part how the amounts listed were arrived at. Also, as Citibank asserts in their response that they forwarded the alleged account to a third party, and encourages me in their response to my complaint, to contact that third party for information related to the alleged account, there is no such account showing on my credit reports. The Citibank listing on my credit reports still shows a balance, indicating Citibank shows that they believe THEY are owed this money, not this third party. If this third party has the account, how are they allowed to charge interest and other fees on it, as Citibank alleges in their prior response? Who is the Holder in Due Course here? 
Again, Citibank continues to insist that the alleged account was closed at customers REQUEST, which is simply not true and is false and misleading. There is no evidence of my having requested to close any such account. 
The furnishers of data here, ( Citibank ), again show no clarity or ability to explain how the data is furnished among the three credit reporting agencies. The FCRA makes it clear that that information must be accurate and complete and Citibank, in their response, has not addressed not only the inconsistencies in the data reporting but the gaps. The alleged account here should be deleted.

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 2020-04-04
Company: LoanCare, LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
During the corona virus my mortgage company is only giving us one option for our mortgage payment. The only option is to file a forbarence and when we return to work they will add the amount to the existing payments til it is paid off. I can not afford to raise my mortgage payment and Im out of work now. They wont even speak to us its a recording and what I can find on their website. The company is called loancare llc.

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 2020-04-04
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I followed the TD Banks instructions to close my account, emptied the account and called them. They are saying that they are locked out of my account on the phone, that I should send a secure message through the app. I did that. No answer for two weeks. I tried to go to a branch but they are appointment only. Their online queue system for appointments dropped me. Someone did call be about resolving my issue but then never followed up. I'm at a loss.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-19
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
In XX/XX/XXXX, I filed a billing dispute with Barclay Card for a {$99.00} charge to my credit card on XX/XX/XXXX by a merchant called XXXX. I informed Barclay Card that I had tried to resolve the issue with the merchant but the merchant was unresponsive. I provided Barclay Card with documentation in the form of a XX/XX/XXXX XXXX e-mail stating that if I signed up for XXXX on that day, the second month would be free to me and XXXX would not charge me a monthly membership fee until XX/XX/XXXX. I also provided Barclay Card with an e-mail confirmation proving that I did in fact sign up with Class Pass on XX/XX/XXXX. Subsequently, I received a XX/XX/XXXX letter from Barclay Card which stated that Barclay Card 's investigation could take up to 45 days. I waited well over 45 days and when I did not hear back, I called Barclay Card around XXXX/XXXX/2015 and was told that Barclay Card had closed my case without resolving it and without informing me. Misleadingly, my Barclay Card billing statements still included an untruthful note that they were still investigating my billing dispute. Then, I faxed Barclay Card again and asked that my billing dispute be re-opened. Unfortunately, Barclay Card responded by sending a letter to me on XX/XX/XXXX stating that " Due to the length of time that has passed since this charge posted to your account, we are unable to take further action on this disputed charge. '' I timely filed my dispute yet Barclay Card is now saying that they can not do anything about the disputed charge because it is too late.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-02-19
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I am a victim of an online dating scam and an unauthorized payment scam. Since XX/XX/XXXX, my chase account has been frozen due to the detection of funds deposited in my account that was supposed to be directed to someone else. Due to the scam, Without sending any notification email or phone call, Chase froze my account and funds which caused significant stress and suffering for me to get by. I called and spoke to many different people at Chase, each of them giving me a different story about what actions Chase will take to assist me, to include sending me a check with my money so that I could open a new account and get by. 
After speaking to many representatives that my account had been frozen on XX/XX/XXXX, Chase continued to accept the funds which are the only source of income that I have. My frozen Chase account accepted my funds on : XX/XX/XXXX for the amount {$800.00} coming from XXXX XX/XX/XXXX for the amount {$380.00} coming from XXXX XXXX XXXX for the amount {$650.00} coming from XXXX XXXX 
XXXX XXXX for the amount XXXX coming from IRS Stimulus check I did not authorize any transactions on or after this date, and I did not authorize anyone else to use my account in any way. I was left completely unaware of these deposits because I was told that Chase would supposedly not accept it. 
I have a copy of each of the following documents upon request 1. A copy of my Identity Theft Report which includes : 2. My FTC Identity Theft Report Reference # XXXX 3. The police report about the theft of my identity case # XXXX XXXX County Sheriff 4. IC3 Complaint Referral ; XXXXnternet Crime Center Even after many trying phone calls to Chase and all the immense strain this has put on my ability to get by, I have not received any help or assistance from Chase. Not a single phone call, email, or letter was received by me that showed that Chase would help or care.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-04
Company: Specialized Loan Servicing Holdings LLC
State: AL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
in 1998 we put our home in our sons name due to health problem. we knew he took a mortgage on it. we have lived in our home 31 years. when we saw it in the paper it had been foreclosed on we immediately went to our banker, got a loan approved had our insurance lined up. everything was ready all our banker needed was to know how much money to send and who to send it to. that is when the nightmare started. we couldn not get them to send us a pay off amount. Our banker and the closing lawyer was constantly sending emails and calling try to get it. once they sent XXXX it was only good till the next day. our banker told them he had to have 48 hours to finish the paper work and write the check. The next payoff they send was out of date when we received it. While we were trying our best to pay them their money they had the foreclosure sale now they are sueing to evict us from our home. We have plenty of documentation showing how hard we all worked trying to save our home. They would not cooperate with us at all. The closing attorney that was helping us was checking the paper work he could get his hands on said said there was a glitch in the deed. The deed they took the mortgage on has our physical address on it but the land description does not include the land our home is on I do not think they have the right to take our home we have owned for over 30 years

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: APR or interest rate

Complaint:
I was making month to month payments with care credit, my last payment was about to be made for close to {$400.00} then i realized that all the deferred interested had carried over, now making my balance close to {$1000.00}. Had I know this information, I would have not signed up for them. I assumed that if the balance was n't paid in full that I would owe the interest on just the balance and not the entire amount. This is very defective and complete theft! XX/XX/2016 INTEREST CHARGE ON PURCHASES Date Posted:XX/XX/2016 {$690.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-18
Company: SYNCHRONY FINANCIAL
State: CO
Product: Credit card
Issue: Late fee

Complaint:
Credit card was paid same day as due date I was told I was able to pay it same day and I would n't get late fee it was n't even XXXX yet and late fee was added I 've called to see if there 's anything I can do but they try getting you for anything I really regret getting this credit card.

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 2022-04-14
Company: Mercedes Benz Financial Services
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX XXXX. I am filing this complaint for my self. THIS IS NOT A DUPLICATE COMPLAINT. THIS COMPLAINT HAS NOTHING TO DO WITH THE CARES ACTS. MERCEDES BENZ FINANCIAL SERVICES is in violation of 15 USC 1681a 2 ( A ) ( i ) by reporting late payments on my consumer report for an account with [ account # : XXXX ] EXCLUSIONS- : Except as provided in paragraph ( 3 ), the term consumer report does not include- ( A ) subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; MERCEDES BENZ FINANCIAL has been reporting late payments which are transactions. THE LAW CLEARLY STATES : Transactions between the consumer ( ME ) and the person ( YOU, MERCEDES BENZ FINANCIAL ) Making the report is NOT INCLUDED on my consumer report! A late payment is a transactional history. This is my HISTORY with your company and CONGRESS clearly states that the reporting of transactions or experiences between the CONSUMER and the PERSON making the report is not included on consumer reports! YOU HAVE VIOLATED THE FCRA 15 USC 1681a 2 ( A ) ( i ) by reporting these transactions and experiences on my consumer report which CONGRESS clearly states IS NOT included on my CONSUMER REPORTS. You have 10 calendar days to update my Payment History or delete all late payments from the accounts [ account # : XXXX I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts. If MERCEDES BENZ FINANCIAL SERVICES continues to report late payments on my consumer report I will file for litigation for actual damages caused and MERCEDES BENZ FINANCIAL SERVICES will be held criminally liable for willful noncompliance pursuant to 15 USC 1681n. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
There is Public Record Information on my credit report that is inaccurate in its filing. As the term " Dismissed '' means that it is adjudicated by the law, the CB 's are reporting as still active or satisfied. My case concerned no form of solvency, nothing was placed under conservancy, examinership, liquidation or provisional debt reconstruction. There were no exemptions, no surrender of any kind as stated within the regulations of the XXXX " Means Test ''. The credit bureaus have retrieve my information from a third party entity without my authorization, therefore holding my identity and credit under " Consumer Lock '' for 10 years. The Bankruptcy Court has confirmed that they did not verify by documentation and the credit agencies have stated I can no longer challenge this negative entry. This discrepancy has prevented me in my personal life 's pursuit. Please advocate for me in this challenge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Other

Complaint:
I called in on XXXX/XXXX/2016 to make a payment on my QCard in the amount of {$110.00} at that point I was advised by the customer service representative that my credit limit decrease was only temporary due to none payment. I called again and spoke with a supervisor named XXXX who advised that my limit was dropped from {$1000.00} to {$470.00} due to a missed payment. I would like Qcard to raise my credit limit back to {$1000.00} because, the representative advised me per phone conversation on XXXX/XXXX/2016 before taking a payment that the limit would be readjusted. The decrease in credit limit without any notification from QVC caused my credit score to decrease by XXXX causing me financial hardships.

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 2015-11-30
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Walmart credit card I would use it and pay it off to help my credit score then I stopped using it for one month after I paid it off and when I tried using it they said the card was no longer active. When I called they said I had n't used it for a while so they closed my account and if I wanted I could re-apply but when I asked if I re-apply does that mean it checks my credit again she said yes so to avoid another inquiry I did n't. But I do n't like how they closed my account without even telling me just because I had paid it off and not used it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Quality Loan Service Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have already submitted a complaint regarding Alleged Mortgage Servicer " XXXX XXXX XXXX ''. This is a separate complaint regarding the same company as I have recieved documents from a Trustee indicating that the XXXX parties are involved in conspiracy to break the law : Most immediately, Quality Loan Service Corporation XXXX XXXX XXXX has informed me that they will be engaging in a non-judicial Foreclosure while at the same time Select Portfolio Servicing is humoring me in the loss mitigation process. This indicates that XXXX or XXXX parties are engaging in the crime of dual tracking. Ironically, this falls on the heels where I have been proactive in threatening a lawsuit against XXXX for various violations including a complaint failure to answer a Respa Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Billing disputes

Complaint:
I was contacted by by phone by someone at Synchrony Bank regarding my XXXX store card. I did not note the name. After being told about the issue, I asked to be transferred to a supervisor. After holding for quite a while I spoke with XXXX. My payment was due on XXXX. I made a payment for more than the amount due on XXXX. However, that payment was applied to XXXX ( which I had already paid in XXXX prior to the due date ). XXXX indicated the problem would be resolved by speaking with Customer Service. I held again, was transferred, spoke briefly to someone whose name I did not note, and then was disconnected. I then chose the " live chat '' option online, and was told by the representative that they would not be able to adjust my account to indicate that it was paid on time, that it would still show late for XXXX. I find it extremely unreasonable that a payment made prior to the due date can be considered late, and can be reported to the credit bureaus as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Diversified Consultants, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
DIVERSIFIED CONSULTANTS is failing to remove an account from my credit which has been paid. It should never have posted to my credit as we had an agreement which they claimed they would never post it to my report. They continue to damage my credit causing me XXXX & financial XXXX. I would like it removed immediately from my credit reports ...

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Long time care credit member, paid in time no issues. Suddenly I was charged interest going back to initial time of purchase. 
I was down to {$1500.00} & was going to pay off then next month statement doubled due to back interest. I did NOT know that would happen. 
Never was told. I called and rep stated they would adjust and send new statement out. Next month still no change, I have called numerous times and sent letters even and no help by rep to help with acct so I can leave in good standing, no response by my letters. Its almost 30 % interest, I cant even get my bill down for no one helps, this company is the worst ever. I cant even pay off with another card due to they dont allow it which makes sense for them for they are making a killing off of not being able to let members do so. I want to keep my credit in good standing but no one helps. What can I do, Im so lost and no assistance anywhere with this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-12
Company: General Motors Financial Company, Inc.
State: GA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Complaint:
I filed a CFPB complaint on XX/XX/XXXX case number XXXX requesting documentary evidence of this alleged debt between GM Financial / General Motors Financial Company/ General Motors , XXXX AmeriCredit XXXX XXXX, XXXX XXXX XXXX etc. and XXXX XXXX. After further review of the documents sent to me by GM Financial, I discovered fraudulent activity. Please note of my findings : 1. A {$500.00} down payment was accepted by XXXXXXXX XXXX  XXXX as no cash payment shall be included in a credit transaction per Truth in Lending. The {$500.00} dollars was added back to the Total Sale Price. 
2. The contract stated in clause f we will sell the vehicle if you do not get it back. If you do not redeem, we will sell the vehicle. We will send you a written notice of sale before selling the vehicle. The consumer never received a written notice of sale from GM Financial. However, Consumer has documentation that no letter was delivered to XXXX XXXX XXXX. According to O.C.G.A. 10-1-36 when any motor vehicle has been repossessed after default in accordance with Part 6 of Article 9 of Title 11, the seller or holder shall not be entitled to recover a deficiency against the buyer unless within ten days after the repossession he or she forwards by registered or certified mail or statutory overnight delivery to the address of the buyer shown on the contract or later designated by the buyer a notice of the sellers or holders intention to pursue a deficiency claim against the buyer. 
3. On the application from XXXXXXXX XXXX XXXXXXXX, consumer birthdate is wrong the application has XX/XX/XXXX however consumer birthdate is XX/XX/XXXX. The signature is not consumer signature. If you note on all pages the consumer does not sign name as such. 
4. On the assignment to retail installment contract, there is not date of contract between seller ( XXXX XXXX XXXX XXXX XXXX ) and buyer ( XXXX XXXX, XXXX XXXX ). Nor is there a signature between Dealer-Seller and AmeriCredit has state on assignment. Only one signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-01
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On 2017 i lost my high paying job and relize i coundnt pay the same house pay i was paying so i ask for loan mod, but was turn down so i hired a Layer to no avail, my back pay was XXXX XXXXnow its XXXX

Company response to consumer: Closed with explanation