BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-15
Company: CITIBANK, N.A.
State: CO
Product: Credit card
Issue: Other

Complaint:
I have a Citi MasterCard credit card. I have no issues paying the full amount due ( and I charge most purchases on this credit card during the month, rather than use a debit card, just for safety 's sake ) each month. However the last several months I have noticed a problem with a practice they are starting to use. My payment is due on the XXXX of the month, so I generally pay as close to that date/time as possible, to include as many of my charges as possible. Lately ( last five months ) towards the end of my cycle, many of the items I have charged are held in a pending status much longer ( 2-5 days ) than they are at the beginning of my cycle. Citi will not allow me to pay any pending amounts online, and does not include them on mailed statements -- so I have no way to pay them. When I make my payment ... a miracle happens, and all the pending amounts changed to due AFTER the end of my cycle, with no chance for me to make a second, catch-all payment ... so, they charge me interest. This seems deliberate, and simply aimed at being able to charge me interest ( as normally, they would have no unpaid amounts to charge it on ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Lending Club Corp
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
During XXXX of 2016, I borrowed money from a private institution called " Lending Club. '' I needed the funds to pay off high-interest credit cards and to help with relocation for work. However, I am paying over 30 % in interest on a loan amount of a little over {$16000.00}. 

The interest rate seems too high and disproportionate. I have been making payments on time but it is becoming financially difficult to keep making these high-interest payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18
Company: AMA Advisors, LLC.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
New mortgage with Homebridge Financial ServicesXXXX XXXX NY NY XXXX phone XXXX ( put on hold for XXXX min and never talked with anyone ) paid XXXX XXXX payment with personal check, paid XXXX XXXX payment through virtual wallet, XXXX XXXX, it went through Paid XXXX XXXX through XXXX ... they never got or lost check. Waited til end of month to see if it would clear ... it did n't, so rewrote virtual wallet check out XXXX XXXX XXXX mortgage and XXXX XXXX, for XXXX mortgage ... they never got it. I have called and called and can not speak to a real person. I cant get on even to pay by phone I go on line and in order to make payment it says I have to fill out a 'hardship ' form? 
This is going to ruin our credit and I ; m trying to pay the mortgage. I emailed customer service and the man said we could set up auto pay ... great, I 'll do it ... cant get hold of anyone. 
WHen I do call them on the phone they say they are debt collectors???? we thought it was a mortgage company? 

Very frustrated and just want to make our payments on time ... please advise. 
XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MD XXXX I am hoping you can help us asap. thanks

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-17
Company: Experian Information Solutions Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I applied for a XXXX XXXX XXXX on XX/XX/2020. I was approved for a credit card through, XXXX XXXX. A letter was sent to my house several days later explaining my credit score and how the line of credit was established. On the letter, my credit score from Experian Credit Bureau was recorded as XXXX on XX/XX/2020, the date of the application. 

This information is incorrect. I tried several time on XX/XX/2020 and XX/XX/2020 to resolve this issue. Each time I asked to speak with a manager, the phone call ended. My credit score is near XXXX, I checked this information on XX/XX/2020. I am puzzled, why the credit bureau would fabricate in accurate information, jeopardizing my credit report. 

Please assist me, 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 2015-05-26
Company: The Best Service Co.,Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On or about XXXX, XXXX the Best Service Company entered into the Victims XXXX Credit Report claiming an alleged debt was owed to them in the amount of {$1200.00}. Victim contacted the BSC on XXXX XXXX, XXXX via United States Post Office, Certificate of Mailing XXXX, with a letter of validation asking the BSC to provide proof of this alleged debt. To date the BSC has not responded to the Victims request for proof/validation. BSC has entered derogatory information into the Plaintiff 's Credit report and has continually updated this information by adding unauthorized interest and late charges through today 's date. The Plaintiff has verified with XXXX on or about XXXX XXXX, XXXX that they have confirmed that The Best Service Company has verified to them that the information is correct. The Debt Collection Practices Act states a debt collector must cease collection of a debt it they are asked to provide validation and must provide that validation or cease collection activity. BSC has not ceased collection activity by entering into Victims credit report on the following dates, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX, XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX XXXX, and has violated the LAW under Fair Debt Collection Practices Act 15 USC Section 1601, et seq and The Fair Credit Reporting Act 15 USC 1681, et seq by updating and knowingly reporting erroneous and damaging information to the Credit Reporting Agency XXXX XXXX damaging the Victims Credit Standing, Reputation and the Victims Credit Report. Recourse is demanded through the LAW as outlined in Fair Debt Collection Practices Act 15 USC 1601, et seq and Fair Credit Reporting Act 15 USC 1681, et seq.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
FCO Fair Collections & Outsourcing calling me and threatening me on the phone in collection of {$3600.00}. 
XXXX Apartments in XXXXCalifornia evicted me and my XXXX daughters out of apartment XX/XX/XXXX when l was injured XXXX XXXX in XXXXCalifornia.XXXX 
I was n't been paid properly by XXXX employer and l was XXXX at home XXXX on XX/XX/XXXX. 
I am respectfully on Permanent XXXX Retired XXXX. 
I will send evidence of collections and medical evidence to Consumers Financial Protection Bureau by emails. 
I am on XXXX for stress. 
I am a XXXX Military Veteran and XXXX XXXX XXXX Citizen. 
XXXXCalifornia and Fair Collections and Outsourcing has ruined my credit XXXX. 
I can not obtain a Consumer Loan for my XXXX daughters College Education, XXXX daughters wants to continue their education for XXXX Careers. 
My credit is ruined. 
FCO even sent me a document with a reduction of 50 % to pay {$1800.00} on XX/XX/XXXXI always paid rent on time and me and my daughters XXXX we have been Discriminated and Retaliated by XXXX FCO collections and Outsourcing.since XX/XX/XXXX till Present. 
FCO collections and Outsourcing XXXX in XXXXCalifornia XXXX staff Discriminated.Those Managers XXXX no longer with them. 
XXXX Apartments even hired Attorneys to collect debts and Evictions. 
I file complaints against FCO collections and Outsourcing. And XXXX Apartments. with Federal Trade Commission XX/XX/XXXX 
But nothing was done. 
I will send notifications to President Obama and Congress about Issues XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I had my verve credit card on automatic debit for {$50.00} per month, I had not used the card in approximately 4 months, when I went to use the card, the card declined. When I contacted verve customer service, I was told that I had late charges, return check fees and over the limit Fees. I asked them How is this possible since I am on automatic debit and have always had money in my bank account, additionally I never incurred any charges from my bank indicating that my account had insufficient funds nor overdraft protection fees. The customer service rep could not offer me a good explanation for this. I asked them to review the account and make the proper adjustments and she said that she could not do this. I told her that I would not be making anymore payments and I removed the card from automatic debit. They have placed my account with their collections department and continue to call at least 3 times per day.

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 2016-08-05
Company: Vermont Student Assistance Corporation
State: VT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I was unable to make the payments due to low wages for my job choice. I defaulted, brought the loan out of default paid on and off, took many forebearances, adding interest to principal. Since I was unable to make the payments, I believe the lender ( VSAC ) should not have provided all these ( 17 years worth ) forebearances, making my debt even less affordable. I borrowed {$30000.00}, paid back the expected total amount of the loan, but not on the originally anticipated schedule. I now owe, according to the nonprofit lender, an additional amount over {$60000.00}. But, I did make enough payments to pay the total amount I would have paid had I paid on time. I feel this type of situation is not much different from what payday lenders and their ilk do- force people into further debt. Somethings should be done to stop this and allow me at XXXX years old to get this " debt '' behind me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a very difficult time with Indy Mac. I have tried to submit for a loan modification. I was never able to communicate to the same person which always caused confusion. Indy Mac always seemed to lose my paper work, which I constantly had to re fax. My loan adjusted last year and was no help or information from Indy Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: Resurgent Capital Services L.P.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
LVNV FUNDING has placed errounous information on my credit report. I have been disputing this information for over 5 years. In 2011 I paid a company to remove the errouneous information, I was able to purchase my home back in 2011 and the debt went away. I sold my home several months back. Now that I am trying to purchase a home for my family the errounous debt pops up again. This has caused me to loose my earnest money, My interest rate is higher causing me hirer fees and it has prevented me from qualifiying for a desirable mortgage product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: R.A.Rogers, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Collection agency failed to respond to validation request per Texas finance code TFC 392. In retaliation, agency illegally reported to credit bureau. 

Collection agency is NOT bonded for collection in Texas, thus is unlawfully attempting to collect an alleged debt. 

They must remove BOTH trade lines from credit report or will be sued.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: CIT BANK, NATIONAL ASSOCIATION
State: IL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Foreclose date incorrect on credit reports. CIT Bank reflects a foreclosure date on XXXX of XX/XX/XXXX, XXXX of XX/XX/XXXX, and XXXX XX/XX/XXXX. Date of foreclosure deed was transferred to trustee was XXXX and date stamped by circuit court clerk was XX/XX/XXXX. Reflects on my credit report under account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.

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 2015-10-19
Company: WLCC
State: DE
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Green circle is not a licensed Delaware lender. They have sent me an email stating that they are going to send a " wage assignment '' to my employer. They continue to call and send me emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I have a loan with One Main Financial in XXXX Oregon. My payments were set on auto pay, and my payments were being regularly taken every 2 weeks. I noticed recently that One Main had not taken their payment from my bank account when they were supposed to. I tried several times to contact them and left phone messages. I finally got through and they claimed they were trying to call me, and I asked what number they were trying to call and they told my my current number. If they had indeed called me I would have answered or returned any missed calls. Their number is programmed into my phone so I would know it was them. The problem they said, was that they had a copy of the voided check instead of a voided check, and that they could not take any payments from me because of that. The truth is that they had been taking the payment right along every 2 weeks for some time although they did n't have the actual voided check. During the time lapsed that they did not take my payment, they slapped me with a {$98.00} late fee. This is highly illegal and unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26
Company: The Stark Collection Agency, Inc.
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked for this company to validate debt with my signature on a legally binding contract between their company and me. They have failed to provide me with this information. I spoke to them on the phone on a recorded line and they said they do not have that info. Since they do not have that I do not owe a dime to this company. With this being said they are fraudulently reporting to the credit Bureau. 

I also requested the name, number, and any other contact info of the person who " validated '' that I owe this debt. This information has not been received or provided in their responses.

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 2017-02-28
Company: CIT BANK, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I 'm XXXX years old and I 'm scheduled to be foreclosed on XXXX XXXX. CIT Bank ( Financial Freedom ) has a reverse mortgage on my property. When I made this arrangement, it was with the intention that I would be able remain at my house for the rest of my life. I hve reached out ( or family has done so ) to come to a resolution whereby I can begin paying what CIT claims I owe in property taxes and thus avoid an unnecessary foreclosure. I have only Social Security, so losing my house would quite a challenge for me. I feel that I have not been offered or allowed to make an offer to help me remain in my house.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: BROKER SOLUTIONS, INC.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am trying to refinance my mortgage with another provider but because my current mortgage company switched servicers from a third party to in-house, they have stopped reporting to the credit agencies. They have not reported since XXXX 2015 and will not start again until XXXX 2015. They told me they wo n't report until XXXX but I am trying to refinance now. The credit agencies are reflecting my credit score as XXXX without a mortgage. Because of this, my score is lower. Because of the lower score ( XXXX without a mortgage ) I ca n't get the program I need to get a lower rate.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: Navient Solutions, LLC.
State: IN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
General Revenue is the company that bought my debt from Indiana XXXX University. I 've made several attempts to simply see my balance on paper or the internet and have called to find out where I can see this information. I spoke with XXXX XXXX when I called they 're company and he refused to help me locate the login section of their website and would not send me a letter. He sarcastically remarked that they 've sent me numerous letters then said he would transfer me, only to mute the phone and leave me with silence. I just want to see how much I owe and set up a reasonable payment plan but I can not get anyone there to help me.

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 2017-01-26
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.

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